How to Apply for the Discover it Cash Back Credit Card Online

Unlock a world of rewards and benefits with the Discover it Cash Back Credit Card. Whether you’re looking to maximize your everyday spending or simply enjoy the convenience of a credit card, this offering stands out with its unique perks. One of the card’s most enticing features is the 5% cash back on rotating quarterly categories like groceries or gas stations, making it perfect for savvy shoppers eager to optimize their spending habits. Additionally, the card provides unlimited 1% cash back on all other purchases, ensuring you get rewarded with every swipe.

Applying for the Discover it Cash Back Credit Card online is straightforward and designed with user-friendliness in mind. As an added bonus, Discover offers a unique first-year perk: they’ll match all the cash back you’ve earned after 12 months. This means if you earn $150 in cash back, you’ll actually get $300! Dive into the details to learn how to effortlessly apply online and start reaping the benefits today.

Benefits of the Discover it Cash Back Credit Card

Generous Cashback Rewards

One of the standout features of the Discover it Cash Back credit card is its 5% cashback on rotating categories each quarter, such as groceries, restaurants, and gas stations, up to a specified limit. Beyond these categories, you earn 1% cashback on all other purchases. This makes everyday spending much more rewarding.

Tip: To maximize your rewards, keep track of the rotating categories and plan your big purchases accordingly within those periods. This way, you’ll ensure you’re always in the right category at the right time to earn the highest cashback possible.

Automatic Cashback Match

As a unique bonus for new cardholders, Discover offers to match all the cashback you’ve earned at the end of your first year, without any limit. This means if you’ve earned $200 in cashback during the year, Discover will match it, giving you a total of $400.

Tip: Use this first-year match to your advantage by using the card frequently for expenses you were already planning to make. Every dollar spent translates into more cashback rewards, and therefore, more money matched at year-end.

No Annual Fee

Unlike many other credit cards with similar benefits, the Discover it Cash Back charges no annual fee. This feature alone increases the value of the card, making it cost-effective to hold onto, even if your spending fluctuates year to year.

Tip: Keeping your credit card open for a long time with no annual fee can help improve your credit score by increasing your credit history’s length. This is important if you’re planning significant future financial moves, like applying for a mortgage.

0% Intro APR Offer on Purchases and Balance Transfers

The Discover it Cash Back card offers a 0% intro APR for 15 months on both purchases and balance transfers. This can be a valuable tool for managing cash flow efficiently without incurring interest charges during the promotional period.

Tip: Use the intro APR period to spread out payments on large purchases or to consolidate higher-interest debt onto one card, potentially saving on interest costs. Always pay at least the minimum on time to avoid penalties and keep enjoying the 0% APR offer.

Robust Account Management Tools

Discover provides cardholders with a suite of online and mobile account management tools. You can track your spending, set up alerts, freeze your account, and even request a FICO® Credit Score for free. These tools empower you with more control over your finances and help maintain financial health.

Tip: Regularly checking these tools can help you identify spending patterns and find areas to save money, which complements the cashback earning potential of the card.

SIGN UP TO GET YOUR DISCOVER IT CASH BACK

The Discover it Cash Back credit card offers a unique structure with its cash back rewards program, which stands out among other credit cards. You get a flat rate of 1% cash back on all your purchases, ensuring that no matter where you shop, you are rewarded. Additionally, certain categories may offer enhanced rewards during promotional periods, allowing you to earn more on everyday purchases like groceries or gas.One of the most appealing features of this card is that there is no annual fee. This means you can take advantage of the cash back rewards without worrying about incurring extra costs just for having the card. The absence of an annual fee makes it particularly suitable for individuals who are looking to manage their credit use wisely, making this an excellent choice for both new and experienced cardholders.

Key Requirements for Discover it Cash Back Card

• Your credit score is one of the most critical factors. Aim for a minimum credit score of 670 to increase your chances of approval, as this suggests a good credit history. Checking your credit score regularly for accuracy can also be beneficial.
• A steady income will help demonstrate your ability to handle credit responsibly. While Discover does not specify an exact income requirement, showing regular wages, whether through pay stubs or bank statements, can support your application.
• Applicants must be at least 18 years of age and a legal resident of the United States. Ensure you have the necessary identification documents, such as a Social Security number and a U.S. address.
• Have a clean financial history. Avoid recent bankruptcies or delinquent accounts, as these can negatively impact your application. Lenders look for patterns of responsible financial behavior.
• Be ready to provide personal and financial information. This typically includes details of your current employment, income, and existing debts, to help determine your creditworthiness.

LEARN MORE DETAILS ABOUT DISCOVER IT CASH BACK

How to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Discover Official Website

Begin your application process by visiting the official Discover website. You can easily find this by typing “Discover it Cash Back credit card” into a search engine or directly entering www.discover.com. Ensure you’re on the legitimate Discover website by checking the URL and looking for secure site indications, like a padlock icon in the address bar.

Step 2: Gather Your Personal Information

Before applying, gather all necessary personal information. You will need details like your Social Security number, income information, and employment details. Having these prepared will speed up the application process. Additionally, consider checking your credit score beforehand using a credit score service, as Discover often requires a good to excellent credit score for approval.

Step 3: Complete the Online Application

Once on the Discover website, navigate to the Discover it Cash Back credit card section. Click on the “Apply Now” button to access the application form. Carefully fill out all required fields, ensuring accuracy to avoid processing delays. This may include providing your full name, address, employment status, and financial information.

Step 4: Review Terms and Submit Your Application

Before submitting your application, take the time to review the card terms and conditions. This includes understanding the interest rates, fees, and rewards program specifics. Once you are comfortable with these details, submit your application by clicking the submit button. You may receive an instant decision, or it might take a few days if additional review is necessary.

Step 5: Await Approval and Receive Your Card

After submitting, you’ll receive a confirmation that your application is under review. If approved, you will subsequently receive your Discover it Cash Back credit card in the mail, usually within 7-10 business days. Once received, activate it using the instructions provided, and you’re ready to start enjoying your cash back rewards.

SIGN UP TO GET YOUR DISCOVER IT CASH BACK

Frequently Asked Questions about Discover it Cash Back

What are the cashback rewards offered by Discover it Cash Back?

The Discover it Cash Back credit card offers a unique rewards program where you can earn 5% cash back on everyday purchases at different places each quarter, such as Amazon.com, grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum when you activate. All other purchases earn 1% unlimited cash back automatically. For example, if you often shop online or have recurring needs like groceries, this card could help you save money efficiently.

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

One of the appealing features of the Discover it Cash Back card is that it has no annual fee. This means you can enjoy the benefits of earning cash back without worrying about an extra charge each year. It’s perfect for those who want to keep their costs low while maximizing rewards.

How does the Cashback Match feature work?

The Cashback Match is a special feature for new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year, without any limits. For instance, if you earn $200 in cash back, Discover will match it, giving you a total of $400. It’s a valuable opportunity to double your rewards in the first year of card ownership.

Are there international transaction fees when using this card abroad?

Using the Discover it Cash Back card for international purchases is convenient because it has no foreign transaction fees. This means you can use your card for purchases outside of the United States without incurring additional charges, making it a great option for travelers looking to manage expenses abroad.

What credit score is required to qualify for the Discover it Cash Back card?

Typically, the Discover it Cash Back card requires a good to excellent credit score for approval. This generally means having a credit score in the range of 670 and above. It’s important to check your credit score before applying to understand your likelihood of approval and to review your credit report for any inaccuracies.