How to Apply for the Discover it Cash Back Credit Card Today
The Discover it Cash Back Credit Card offers a compelling blend of rewards and features that make it a standout choice for savvy consumers. Designed with user-friendly perks, the card promises more value with each swipe, especially for those who enjoy earning rewards on everyday spending.
One of the primary highlights of this card is its 5% cash back on rotating categories each quarter, like groceries, gas, or restaurants, up to the quarterly maximum once activated. Furthermore, cardholders enjoy unlimited 1% cash back on all other purchases, ensuring that no expense goes unrewarded.
What’s more, Discover amplifies the benefits with no annual fee, and a 100% U.S.-based customer service team to assist you whenever needed. Plus, as a first-year cardholder, every dollar you earn in cash back will be automatically matched, turning your rewards into a powerful financial tool. Ready to unlock these benefits? Let’s dive into how you can apply today.
Benefits of the Discover it Cash Back Credit Card
1. Earn Generous Cash Back Rewards
One of the standout features of the Discover it Cash Back credit card is its ability to earn cash back on everyday purchases. Cardholders can enjoy 5% cash back on rotating quarterly categories such as gas stations, grocery stores, restaurants, and more, up to a quarterly maximum, upon activation. Additionally, you receive 1% cash back on all other purchases. To maximize your earnings, keep track of the quarterly categories and plan your spending accordingly. For example, during a quarter where grocery stores offer the 5%, aim to purchase household supplies to fully benefit from the bonus.
2. First Year Cash Back Match
A unique perk of this card is its Cash Back Match offer for new cardmembers. At the end of the first year, Discover matches all the cash back you’ve earned, effectively doubling your rewards for that period. To make the most out of this benefit, consider using your Discover it Cash Back card for both essentials and larger purchases, particularly in the categories that offer enhanced rewards throughout the year.
3. No Annual Fee
The absence of an annual fee means you can enjoy all the benefits of the Discover it Cash Back card without worrying about offsetting the cost of maintaining the card. This makes the rewards you earn even more valuable as there are no fees eating into your cash back savings. It’s an ideal option for budget-conscious consumers who want to maximize value without additional costs.
4. Flexible Redemption Options
The Discover it Cash Back card offers versatile redemption options for your accumulated rewards. You can apply your cash back towards your statement, deposit it directly into your bank account, use it for gift cards, or even make purchases on Amazon.com or PayPal. This flexibility allows for easy access to your rewards, ensuring they fit seamlessly into your lifestyle. To ensure you’re maximizing your rewards, consider redeeming them for statement credits to reduce your outstanding balance.
SEE HOW TO GET YOUR DISCOVER IT CASH BACK
| Category | Key Features |
|---|---|
| Cash Back Rewards | Earn 1% cash back on all purchases, with bonus categories that can offer up to 5%. |
| No Annual Fee | Enjoy the benefits without the worry of an annual fee, making this card cost-effective. |
| Category | Key Features |
|---|---|
| Flexible Redemption | Redeem your rewards for cash back, gift cards, or travel, enhancing your experience. |
| Introductory Offer | Enjoy an introductory 0% APR on purchases for the first 14 months, helping you save on interest. |
This table captures key advantages of the Discover it Cash Back card, emphasizing its attractive features such as cash back and flexibility in rewards.
Requirements for the Discover it Cash Back Card
- Minimum Credit Score: To be eligible for the Discover it Cash Back Card, you generally need to have a good to excellent credit score, which typically means a FICO score of 670 or higher.
- Proof of Income: Applicants are required to provide proof of a stable income source. This could include recent pay stubs, W-2 forms, or tax returns if self-employed, to demonstrate your ability to pay back any borrowed credit.
- Age Requirement: You must be at least 18 years old to apply for a credit card in the United States. For applicants under 21, there may be a need to prove independent income unless a co-signer is involved.
- United States Residency: The Discover it Cash Back Card is available to United States residents. You will be required to provide a valid Social Security Number and a U.S. mailing address.
- Existing Debts: Your current debts, such as other credit cards, loans, or mortgages, may be considered. A low debt-to-income ratio can positively influence your application.
VISIT THE WEBSITE TO LEARN MORE
How to Apply for the Discover it Cash Back Credit Card
Step 1: Visit the Discover Website
To start your application for the Discover it Cash Back credit card, first, you’ll need to visit the official Discover website. Open your web browser and type in “www.discover.com” into the address bar. Once you’re on the homepage, navigate to the “Credit Cards” section to locate the Discover it Cash Back card.
Step 2: Review Card Features and Benefits
Before applying, take a moment to review the card’s features and benefits. The Discover it Cash Back card offers 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum, when you activate. Familiarize yourself with these perks to ensure this card meets your financial needs.
Step 3: Start Your Application
After reviewing, click on the “Apply Now” button, typically located near the card details. You will be prompted to begin your application process. Be ready to provide personal information, including your Social Security Number, income details, and employment information. Make sure all the information is accurate to avoid delays in processing.
Step 4: Submit Your Application
Carefully review all the information you’ve entered in your application. Double-check for accuracy to prevent any errors that could affect approval. Once confirmed, submit your application. You’ll receive a decision quickly, often within minutes, but on occasion, it may take longer for Discover to process your request.
Step 5: Await Approval and Receive Your Card
After submission, keep an eye on your email for updates from Discover regarding the status of your application. Upon approval, you will receive your Discover it Cash Back card in the mail. Follow any additional instructions provided to activate your card and start enjoying the benefits.
GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE
Frequently Asked Questions about Discover it Cash Back
What are the key benefits of the Discover it Cash Back credit card?
The Discover it Cash Back credit card offers several attractive features. One of the primary benefits is the 5% cash back on everyday purchases at different places each quarter, like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum after activation. Additionally, the card provides unlimited 1% cash back on all other purchases, making it a versatile option for various spending habits.
Are there any annual fees associated with the Discover it Cash Back card?
No, the Discover it Cash Back credit card has no annual fee. This makes it a cost-effective choice for those who want to maximize their rewards without worrying about extra yearly charges eating into their savings.
How does the Cashback Match feature work for new cardholders?
The Cashback Match feature is automatically applied at the end of your first year as a new cardholder. Discover will match all the cash back you’ve earned, dollar for dollar, at the end of your first year. For example, if you earned $200 in cash back during your first year, you’ll receive an additional $200 match from Discover, giving you a total of $400 in cash back.
What is the APR for the Discover it Cash Back card?
The interest rate, known as the APR (Annual Percentage Rate), can vary based on individual creditworthiness and market conditions. Typically, the Discover it Cash Back card offers a 0% introductory APR for purchases and balance transfers for the first 15 months. After that, the standard APR will apply, which is subject to change and determined by your credit profile at the time of application.
Does Discover offer any protections or benefits besides cash back?
Yes, the Discover it Cash Back card comes with several additional protections and benefits. These include free access to your FICO® Credit Score, protection against unauthorized purchases, and a U.S.-based customer service team available 24/7. Furthermore, Discover offers a wide range of fraud protection services to ensure your account is always safe and secure.
