How to Apply for Discover it Cash Back Credit Card Easily

Unlock the potential of your everyday spending with the Discover it Cash Back credit card. This powerful financial tool offers rewarding cash back benefits that make every purchase more rewarding. Imagine earning 5% cash back at different places each quarter, such as grocery stores, restaurants, or gas stations, up to the quarterly maximum when you activate. Plus, enjoy an unlimited 1% cash back on all other purchases, making every swipe a step toward savings.

But the perks don’t stop there. New cardholders can benefit from a CASHBACK MATCH at the end of their first year, where Discover automatically matches all the cash back you’ve earned—putting money back in your pocket just for using your card. With no annual fee and a user-friendly online application process, obtaining the Discover it Cash Back is stress-free and straightforward. Ready to learn how easily you can start enjoying these benefits?

Benefits of the Discover it Cash Back Credit Card

1. Generous Cash Back Rewards

The Discover it Cash Back credit card is well-known for its attractive cash back rewards structure. Cardholders can earn 5% cash back on everyday purchases at different places each quarter, such as grocery stores, restaurants, gas stations, and even certain online retailers, up to a quarterly maximum. Beyond this, you’ll enjoy 1% cash back on all other purchases. To get the most out of these rewards, plan your spending around the quarterly categories and maximize the 5% cash back rate whenever possible.

2. Cash Back Match for New Members

A standout feature for new cardholders is the unlimited cash back match at the end of your first year. This means that Discover will automatically match all the cash back you’ve earned. If you’ve earned $200 in cash back throughout your first year, Discover will match it, giving you a total of $400. It’s wise to make the most of this by using your card strategically throughout the year to maximize your matched earnings.

3. No Annual Fee

Another significant benefit of the Discover it Cash Back card is the lack of an annual fee. This can save you money over time compared to other rewards credit cards that charge annual fees. Without this added expense, it’s easier to enjoy the benefits and cash back earnings without worrying about offsetting a fee. Always calculate your cash back earnings and fees on other cards to see how much you truly benefit from a no-annual fee structure.

4. Introductory APR Offer

The Discover it Cash Back credit card offers a competitive introductory APR on purchases and balance transfers, allowing cardholders to manage their finances without accruing interest during this period. This benefit is particularly useful if you need to transfer high-interest balances from another card, as it can help you save on interest costs. Remember to pay off your balance before the introductory period ends to fully capitalize on this offer.

5. Comprehensive Security Features

Providing peace of mind, the Discover it Cash Back card offers comprehensive security features, including free Social Security number alerts and the ability to freeze your account through the mobile app if you misplace your card. Staying vigilant and utilizing these tools can help protect your finances and identity.

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The Discover it Cash Back card is a smart choice for those looking to maximize their spending with rewards. Its rotating categories keep earning potential fresh, ensuring that cardholders get the most value from their purchases. Not to mention, with no annual fee, this card is accessible for everyone, making it an attractive option for daily spending or larger purchases.

Requirements for Discover it Cash Back Card

• Credit Score: To enhance your chances of approval, a good to excellent credit score is typically required. This generally means having a score of around 670 or higher. It’s essential to check your credit score beforehand to ensure it meets the necessary requirements.
• U.S. Residency: You must be a legal resident of the United States to apply for the Discover it Cash Back card. This is crucial as the card is primarily available for use by those residing within the country.
• Age Requirement: You must be at least 18 years old to apply. This age requirement ensures that applicants are legally recognized as adults who can enter into a financial agreement.
• Regular Income: Providing proof of a steady income is necessary to ensure you can manage any potential credit card debt. Regular income acts as evidence of your ability to handle monthly payments responsibly.
• Social Security Number: A valid Social Security number is required for identification and credit check purposes. This helps Discover evaluate your financial history accurately.

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How to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Discover Website

Begin your application by visiting the official Discover website. You can do this by opening your preferred web browser and entering www.discover.com in the address bar. Once you’re on the homepage, navigate to the credit cards section and look for the Discover it Cash Back card. This will provide you with detailed information regarding its features, benefits, and requirements.

Step 2: Start Your Application

After you’ve landed on the Discover it Cash Back card page, you’ll find an option to apply online. Click on this button to start your application. You will be prompted to enter your personal details such as your full name, address, and social security number. Make sure to provide accurate information to avoid any issues during the verification process.

Step 3: Verify Your Identity

Once you’ve filled out your personal details, you’ll move on to verifying your identity. This typically involves answering a few security questions based on your credit report especially designed to protect your privacy. Be prepared to verify your income and employment status as well, as this information is crucial for credit card approval.

Step 4: Review and Submit Your Application

Before submitting your application, carefully review all the information you’ve entered. Ensure that everything is correct and up-to-date. Making mistakes here can delay the approval process. Once you’re satisfied, click the Submit button to finalize your application.

Step 5: Await Approval

After submission, Discover will process your application. You might receive an instant decision; however, sometimes it can take a few days. If approved, your Discover it Cash Back card will be mailed to you, and you’ll receive instructions for activating it once it arrives.

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Frequently Asked Questions About the Discover it Cash Back Credit Card

What is the cash back rate offered by the Discover it Cash Back card?

The Discover it Cash Back card offers a 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 limit. All other purchases automatically earn 1% cash back. To maximize your rewards, be sure to activate the 5% categories each quarter.

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

No, there is no annual fee for the Discover it Cash Back card. This means you can enjoy all the rewards and benefits without worrying about an additional yearly cost. It’s a great feature for cardholders who want to focus on earning rewards without the burden of extra fees.

How does the cash back matching work at the end of the first year?

As a special introductory offer, Discover will match all the cash back you’ve earned at the end of your first year, automatically. For example, if you earn $200 in cash back during the year, Discover will match it and give you another $200, making your total cash back for the first year $400. This is a compelling benefit for new cardholders who maximize their spending categories.

Does the Discover it Cash Back card offer any introductory APR for purchases or balance transfers?

Yes, the Discover it Cash Back card offers a 0% introductory APR on purchases and balance transfers for the first 15 months. After this period, the standard variable APR will apply. Keep in mind that there is a balance transfer fee, so ensure to factor that into your decision when considering transferring balances.

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.