Editor’s note: This is a recurring post with regularly updated card details.
Discover it® Cash Back Credit Card is a personal rewards credit card that offers several ways to save money. It comes with $0 annual fee and a 15-month long 0% annual percentage rate (APR) period on purchases and balance transfer transactions. On top of that, it lets you earn up to 5% cash back and an unlimited dollar-to-dollar match on all rewards earned by the end of your first year. Note that since it’s a personal credit card, you need to keep your personal and business expenses separate to avoid tax issues.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Discover it® Cash Back
BEST FOR:
Those who want double the cash back on your first year
Intro APR
0%
Regular APR
17.24% to 28.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 5% cash back in rotating categories for each quarter. For the months of January to March 31, 2023, you can earn 5% cash back at grocery stores, drug stores, and select streaming services on up to $1,500 in purchases after card activation.
- 1% cash back on all other purchases
Pros
- Premium rewards on rotating bonus categories
- Double your cash back for the first year
- With 0% introductory APR on purchases and balance transfers
Cons
- Bonus rewards are capped at $1,500
- Bonus rewards need to be activated every quarter
- Listed spending categories can be limiting to cardholders
- Freeze it®: You can freeze your account on the Discover mobile app or website to prevent new purchases, cash advances, and balance transfers if you misplace your card
- $0 fraud liability guarantee: Discover will hold you responsible for unauthorized purchases made with your Discover it® Cash Back Credit Card.
- Free FICO® credit score: Your FICO® credit score, key factors, and other credit information are available on Discover.com and your statement. Note that these are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus.
- Discover® identity alerts: You can get an alert from Discover on the following: Daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report, daily monitoring of dark websites and if your Social Security number is found on those sites.
Intro APR
0%
Regular APR
17.24% to 28.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 5% cash back in rotating categories for each quarter. For the months of January to March 31, 2023, you can earn 5% cash back at grocery stores, drug stores, and select streaming services on up to $1,500 in purchases after card activation.
- 1% cash back on all other purchases
Pros
- Premium rewards on rotating bonus categories
- Double your cash back for the first year
- With 0% introductory APR on purchases and balance transfers
Cons
- Bonus rewards are capped at $1,500
- Bonus rewards need to be activated every quarter
- Listed spending categories can be limiting to cardholders
- Freeze it®: You can freeze your account on the Discover mobile app or website to prevent new purchases, cash advances, and balance transfers if you misplace your card
- $0 fraud liability guarantee: Discover will hold you responsible for unauthorized purchases made with your Discover it® Cash Back Credit Card.
- Free FICO® credit score: Your FICO® credit score, key factors, and other credit information are available on Discover.com and your statement. Note that these are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus.
- Discover® identity alerts: You can get an alert from Discover on the following: Daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report, daily monitoring of dark websites and if your Social Security number is found on those sites.
When grading cash back business credit cards like the Discover it® Cash Back Credit Card, we first rated the ongoing rewards. We also evaluated the introductory rewards, annual fee, introductory and ongoing APRs, and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 30 |
Introductory Rewards | 15 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 5 | 15 |
Introductory APR | 10 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 78 | 100 |
Who the Discover it® Cash Back Credit Card Is Best For
- Business owners who cannot qualify for a business credit card: Discover it® Cash Back Credit Card is a personal credit card that can also be used for business purposes—just keep your business and personal transactions separate to avoid problems come tax season. Read our article on how to separate your business and personal finances for guidance.
- Business owners who need to make a large purchase or consolidate debt: This is one of the few credit cards that come with a long interest-free financing period on both purchases and balance transfers—you can enjoy 0% APR on both transactions for 15 months.
Check out our recommended alternatives below if this card doesn’t fit the bill. You may also see our roundup of the best small business credit cards to find more suitable options.
Discover it® Cash Back Credit Card Rewards
- 5% cash back in rotating categories each quarter on up to $1,500 in purchases Activation required. This excludes Walmart and Target purchases. . Note that activation is required:
- 1% cash back on all other eligible purchases
- Unlimited cash back match: Automatically receive an unlimited dollar-to-dollar match of all the cash back you earn by the end of your first year as a welcome offer
Discover it® Cash Back Credit Card Rewards Calculator
Find out how much cash back you can possibly earn with Discover it® Cash Back Credit Card. Input your expected expenses based on the categories in our calculator below. Note that the “premium categories” will change every quarter. Check the expense categories considered as premium for each quarter to ensure that you’re getting the correct calculations.
How To Redeem Your Discover it® Cash Back Credit Card Rewards
You may redeem your cash back at any time as a statement credit, a charitable donation to select charities, and an electronic deposit to an eligible checking or savings account that you designate. You can also redeem your cash back to pay at select merchants (visit www.discover.com/redeem for available merchants) or for rewards for gift cards at popular brands, starting at $5.
Discover it® Cash Back Credit Card Features
Security
- $0 fraud liability guarantee: Discover will not hold you responsible for unauthorized purchases made with your card.
- Free Social Security number alerts: You will receive alerts if your Social Security number is found on any of thousands of dark websites.
- Free online privacy protection: Discover will regularly remove your personal info from select people-search websites that could sell your personal data.
- Freeze it®: You can freeze your account on the Discover mobile app or website to prevent new purchases, cash advances, and balance transfers if you misplace your card.
Other Services
- Free FICO® credit score: Your FICO® credit score, key factors, and other credit information are available on Discover.com and your statement. Note that these are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus.
- Experian® credit report monitoring: Discover will monitor your Experian® credit report and you will be notified when a new inquiry or account is listed on your report.
- Instant lost card replacement: You can request free overnight shipping to replace a lost card.
Discover it® Cash Back Credit Card Fees
APR
- Introductory on purchases: 0% APR on purchases for the first 15 months after opening an account
- Introductory on balance transfers: 0% APR for 15 months from the date of the first transfer—transfers must be posted to your account by Jan. 10, 2024, for this to apply
- Ongoing on purchases and balance transfers: 17.24% to 28.24% variable—adjusts with the prime rate (minimum interest charge is 50 cents)
- Cash advance: 29.99% variable—adjusts with the prime rate
- Penalty and when it applies: None
Fees
- Annual: None
- Balance transfer: Intro fee of 3% of the transfer amount until Jan. 10, 2024, with the 0% intro APR balance transfer offer—then 5% thereafter
- Cash advance: $10 or 5% of the amount of each cash advance, whichever is greater
- Late payment: None for the first time you pay late; up to $41 thereafter
- Returned payment: Up to $41
Your due date is at least 25 days after the close of each billing cycle (at least 23 days for billing periods that begin in February).
How To Make Payments
- Online: Log in to your online account to make an online payment. You may make up to two payments per day using different bank accounts. You can also use the online bill pay service from your bank account.
- Discover mobile app: Use the Discover iOS or Android mobile app to make on-the-go payments.
- Phone: Pay your credit card by calling (800) DISCOVER or (800) 347-2683 at any time. Discover has no pay-by-phone convenience fee.
- Nearest Discover branch: Visit the nearest Discover branch during normal business hours.
- Mail: Mail your check to the address on the payment coupon at the bottom of your statement. Alternatively, if you can’t find the address, you can mail your check with your account number on the “memo” line to:
Discover Financial Services
PO Box 6103
Carol Stream, IL 60197-6103
Discover it® Cash Back Credit Card Alternatives
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
When To Consider U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You prefer a business credit card with a long 0% APR: If you don’t want to use a personal credit card for your business but you need a long introductory 0% APR, consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. It comes with interest-free financing on both purchases and balance transfers for 15 billing cycles.
- You need to carry a balance from time to time: On top of the long introductory 0% APR, the card also features the U.S. Bank ExtendPay® Plan, which allows you to divide your balance into equal monthly payments without interest. You only need to pay a fixed small monthly fee.
Other Benefits
- Offers $500 bonus cash back when you spend $4,500 or more in the first 150 days after opening an account
- Lets you earn up to 5% cash back, depending on expense categories
- Offers $100 statement credit for recurring software subscriptions, making it an ideal choice for those who spend on business software and accounting tools
- Charges $0 annual fee
Its generous rewards and long 0% APR period are few of the reasons why it is our best business credit card with no annual fee. Check out our leading U.S. Bank business credit cards for more options from this provider.
American Express Blue Business Cash™
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
When To Consider American Express Blue Business Cash™
- You need to spend over your credit limit: The American Express Blue Business Cash™ features Expanded Buying Power, which lets you spend over your credit limit when you need to. The amount you can spend adjusts based on your credit card spending, payment history, credit score, and other financial factors.
- You prefer straightforward rewards: If you don’t want to monitor spending categories, this card is a great option. You can earn 2% cash back on the first $50,000 purchases per calendar year, regardless of expense categories—then 1% cash back when the cap is met.
Other Benefits
- Offers a $250 statement credit after you spend $3,000 in purchases within the first three months of card ownership
- Comes with 0% introductory APR on purchases for 12 months after opening an account
- Charges $0 annual fee
It is our top-recommended cash back business credit card because of its simplicity and flexibility. If you want another alternative from American Express, refer to our guide on the best American Express business credit cards.
Bank of America® Business Advantage Customized Cash Rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
When To Consider Bank of America® Business Advantage Customized Cash Rewards
- You want to choose your premium rewards category: The Bank of America® Business Advantage Customized Cash Rewards offers a unique rewards structure—it lets you choose the expense category where you’ll earn 3% cash back. Your choices include:
- Gas stations and electric vehicle (EV) charging stations (default)
- Office supply stores
- Travel
- TV/telecom and wireless
- Computer services
- Business consulting services
- You have an existing Bank of America business checking account: You will earn up to 75% more rewards if you have a business checking account with Bank of America and qualify for the Preferred Rewards for Business Platinum Honors tier.
Other Benefits
- Charges $0 annual fee
- Offers $300 statement credit when you spend $3,000 or more in the first three months of card ownership
- Comes with 0% introductory APR on purchases for the first nine billing cycles
Note that you’ll receive 3% and 2% cash back on your choice category and on dining, respectively, only on the first $50,000 combined purchases per year. When the cap is met, you’ll get 1% cash back. This unique rewards program is why the card is one of our top business credit cards for consultants. See our guide to the best Bank of America business credit cards for other options from this issuer.
Frequently Asked Questions (FAQs)
Cash back match is Discover’s way of rewarding you for opening a credit card account. It will match all the cash back you earn at the end of your first year automatically. For instance, if you earn $200 cash back after your first year, you will receive another $200 as a bonus.
The good news is that you don’t have to sign up to be eligible for a cash back match. You just need to use your Discover it® Cash Back Credit Card for purchases, and you’ll get a cash back match on all rewards you earn at the end of your first year automatically.
Yes, you can redeem your earned cash back at any time and still receive a full cash back match at the end of your first year. Discover will match all your earned cash back (without maximum limits), regardless of whether or not they were already redeemed.
Bottom Line
The Discover it® Cash Back Credit Card allows you to save on costs through its long 0% APR period, no annual fee, and lucrative rewards. Since it’s a personal credit card, you need to be mindful of what you charge to the card. It is a great option if you know how to organize your finances carefully, and to avoid confusion, it’s best to use it solely for business purposes and have another card dedicated to your personal expenses.
