How to Apply for Discover it Cash Back Credit Card Easy Guide

When it comes to selecting a credit card, the right choice can not only support your purchasing needs but also enhance your financial wellbeing. The Discover it Cash Back Card stands out with its rewarding features designed for savvy consumers. Known for its cash back rewards, this card offers an exceptional 5% cash back on rotating categories throughout the year, such as groceries or gas stations, and an unlimited 1% on all other purchases. This means more savings with every swipe, easing your monthly expenses.

Aside from rewards, the Discover it Cash Back Card is appreciated for its no annual fee—allowing cardholders to maximize their cash back without worrying about extra costs. Plus, Discover’s renowned customer service adds another layer of trust, ensuring users feel supported. Embrace a journey of smart spending by learning how to seamlessly apply for this financially empowering tool.

Discover the Benefits of the Discover it Cash Back Credit Card

Generous Cashback Rewards

The Discover it Cash Back card offers a compelling 5% cashback on rotating categories each quarter. This applies when you activate categories such as groceries, gas stations, restaurants, and online shopping. All other purchases earn 1% cashback automatically. To maximize these rewards, plan your spending around these rotating categories and take advantage of every opportunity to earn increased cashback.

Cashback Match At The End of The First Year

An exceptional benefit of this card is the Cashback Match promise. Discover will automatically match all the cashback you’ve earned at the end of your first year. This means if you’ve earned $200 in cashback, you’ll end up with $400 in total rewards. To make the most of this offer, use your card for everyday purchases to increase your potential cashback by the end of the first year.

No Annual Fee

The Discover it Cash Back card does not charge an annual fee. This can save you money compared to other cards that do. As you won’t have to worry about recovering a yearly fee with your cashback rewards, every dollar you earn stays in your pocket. Consider this especially if you’re looking to minimize your costs while maximizing rewards.

Introductory APR Offer

Enjoy a 0% introductory APR for the first 15 months on purchases and qualifying balance transfers. This feature can be particularly beneficial if you’re planning a large purchase or looking to consolidate high-interest debt. Be mindful of the APR that kicks in after this period to avoid unexpected charges.

SEE HOW TO GET YOUR DISCOVER IT CASH BACK

This table highlights two significant advantages of the Discover it Cash Back card. The cashback rewards offer a substantial incentive for regular spending, particularly during promotional periods that allow you to maximize earnings on everyday purchases. Meanwhile, the benefit of having no annual fee ensures that the card remains a practical choice for anyone looking to avoid unnecessary costs, while still enjoying the perks associated with credit cards. These features make this card an appealing option for savvy consumers seeking value in their financial choices.

Key Requirements for Discover it Cash Back Credit Card

• Credit Score: Typically, you will need a good to excellent credit score to qualify for the Discover it Cash Back credit card. This usually means having a FICO score of 670 or higher. It’s an indication to lenders that you’re reliable in managing your credit obligations.
• Age Requirement: Applicants must be at least 18 years old. This is a standard age requirement for most credit cards in the United States, ensuring that the applicant can enter into a legally binding contract.
• Proof of Identity: You will need to provide a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). These are essential for verifying your identity and running credit checks.
• Income Verification: While there isn’t a specified minimum income, you should have a regular source of income. Lenders want to ensure that you can manage monthly payments, so having a stable job or source of funds is crucial.
• U.S. Resident Status: Applicants must be U.S. residents to apply. This includes citizens and permanent residents, enabling the assessment of your financial history in the country.

SIGN UP TO GET YOUR DISCOVER IT CASH BACK

How to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Discover Website

Start your application process by navigating to the Discover website. It’s important to ensure you are visiting the official site to avoid any scams. You can do this by typing “Discover.com” directly into your browser’s address bar. Once there, search for the Discover it Cash Back credit card.

Step 2: Review Eligibility Requirements

Before proceeding with your application, take a moment to review the eligibility requirements. Discover typically requires applicants to be at least 18 years of age, a U.S. resident, and to have a valid Social Security number. Having a good credit score can also improve your chances of approval.

Step 3: Fill Out the Application Form

Once you have confirmed your eligibility, proceed to fill out the online application form. This form will ask for personal information such as your name, address, income, and Social Security number. Ensure that all the information is accurate and up-to-date. Any discrepancies could delay or impede the approval process.

Step 4: Submit the Application

After completing the application form, double-check your details for accuracy. Once you are satisfied, submit the form. The Discover it Cash Back card application process is quick, and you should receive a confirmation email shortly after submission. Some applications are approved instantly, while others may take a few days for a decision.

Step 5: Receive Your Credit Card

If your application is approved, you will receive your Discover it Cash Back card in the mail within 7-10 business days. Once you receive your card, be sure to activate it following the instructions provided. This activation step is crucial to start enjoying the benefits associated with your new credit card.

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Frequently Asked Questions about Discover it Cash Back

What are the main benefits of the Discover it Cash Back credit card?

The Discover it Cash Back credit card offers a unique rewards structure where cardholders can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum each time you activate. Plus, earn 1% unlimited cash back on all other purchases, automatically.

Is there an annual fee for the Discover it Cash Back card?

No, there is no annual fee for the Discover it Cash Back credit card. This makes it a great choice for those looking to maximize their rewards without the burden of additional yearly costs.

How does the introductory APR offer work on the Discover it Cash Back card?

The Discover it Cash Back card offers a 0% introductory APR for 15 months on purchases and balance transfers. After the introductory period, the standard variable APR of 16.24% – 27.24% will apply. This feature can be particularly helpful if you are planning a large purchase and want to pay it off over time without interest.

What is the Cashback Match program offered by Discover?

Discover will match all the cash back you’ve earned at the end of your first year, automatically. For example, if you’ve earned $150 in cash back, Discover will match that to make it a total of $300. This is available only for new cardmembers as a special promotion in their first year.

How can I redeem my cash back from the Discover it Cash Back card?

You can redeem your cash back for a statement credit, direct deposit, charitable donations, or for gift cards. Discover offers flexible redemption options without minimum redemption requirements, allowing you to use your cash back rewards however and whenever you prefer.

Linda Carter

Linda Carter is a writer and financial expert specializing in personal finance and financial planning. With extensive experience helping individuals achieve financial stability and make informed decisions, Linda shares her knowledge on the our platform. Her goal is to empower readers with practical advice and strategies for financial success.