Apply for Discover it Cash Back Credit Card Your Step-by-Step Guide

Are you searching for a credit card with rewarding benefits and exceptional convenience? The Discover it Cash Back Credit Card might be your answer. Packed with flexible reward options, this card offers rotating categories where you can earn 5% cash back on your purchases, making each transaction more rewarding.

What makes it stand out is the unlimited 1% cash back on all other purchases, along with no annual fee, enhancing its appeal for those looking to save more. Additionally, for new cardholders, there’s an enticing feature where all cash back earned in the first year is doubled – a fantastic way to maximize your savings.

With a straightforward step-by-step application process, getting your hands on this card is hassle-free. Stay tuned as we guide you through applying for the Discover it Cash Back Credit Card, ensuring you make the most of its diverse benefits.

Benefits of the Discover it Cash Back Credit Card

1. Generous Cash Back Rewards Program

The Discover it Cash Back credit card offers a competitive cash back rewards program. Cardholders can earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum when they activate. This includes popular categories like groceries, gas stations, restaurants, and online shopping at Amazon.com. Additionally, cardholders automatically earn 1% cash back on all other purchases, making it a versatile choice for everyday use.

2. First Year Cash Back Match

One of the standout benefits of the Discover it Cash Back card is their unique first-year offer: the Cash Back Match. At the end of your first year as a cardholder, Discover will match all the cash back you’ve earned. For instance, if you earned $200 in cash back, Discover will double it to $400. This is a rare feature among credit cards and can significantly boost your rewards.

3. No Annual Fee

This card imposes no annual fee, allowing cardholders to earn rewards without the burden of extra costs typically associated with credit cards. This makes it accessible to those seeking a rewards card without the overhead of an annual fee, hence better preserving the value of the rewards earned.

4. Introductory APR for Balance Transfers

Discover it Cash Back offers an introductory 0% APR on balance transfers for the first 14 months from the date of account opening, allowing new cardholders to save on interest if they transfer high-interest balances from other credit cards. Take note, however, of the balance transfer fee that applies.

To maximize these benefits, plan your quarterly purchases according to the rotating categories, and transfer balances strategically to capitalize on the 0% introductory APR. Educate yourself on how the cash back match works and avoid carrying a balance to minimize interest charges.

SEE HOW TO GET YOUR DISCOVER IT CASH BACK

The Discover it Cash Back card stands out as a flexible and rewarding option for consumers seeking to maximize their cash back rewards. Its unique features, like the ability to earn 5% cash back in rotating categories, make it an attractive choice for those who engage in strategic spending. With no annual fees and straightforward reward redemption options, users can effortlessly enjoy the benefits while managing their finances wisely. Moreover, the enticing $150 sign-up bonus gives users an immediate incentive, positioning this card as a potential game-changer in budget-conscious decision-making. Exploring these features will reveal even more possibilities for enhancing your spending strategy.

Requirements for Applying for the Discover it Cash Back Card

• Minimum Credit Score: Applicants should have a good credit score, generally around 670 or higher, to increase their chances of approval.
• Proof of Income: Demonstrating a stable source of income is crucial. While Discover doesn’t specify a precise minimum, showing consistent earnings can bolster your application.
• U.S. Residency: Only U.S. citizens and permanent residents are eligible to apply for this credit card, ensuring they possess a valid social security number.
• Age Requirement: Applicants must be at least 18 years old to legally enter into a credit agreement, which is a standard requirement across credit card applications.
• Debt-to-Income Ratio: While not explicitly stated, maintaining a reasonable balance between debt and income can positively impact approval chances, as it indicates a strong financial standing.

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 Official Website

Begin your journey to cash back rewards by accessing the Discover official website. It’s as simple as typing “Discover it Cash Back” into your preferred search engine, or you can directly enter their URL. This first step opens the door to a world of benefits, as this card stands out with its rotating 5% cash back on different categories throughout the year.

Step 2: Locate the Application Section

Once you’re on the Discover site, navigate to the credit card section. Look for the “Discover it Cash Back” card, beautifully displayed among their offerings. Click through to the card’s dedicated page and let your eyes wander over the benefits and terms. At the forefront will be an “Apply Now” button, the gateway to starting your application process.

Step 3: Complete the Application Form

With anticipation, fill out the digital application form. You’ll need to provide personal information such as your name, address, social security number, and employment details. The form is designed to be user-friendly, guiding you through each field with intuitive prompts. It’s essential to review each entry to avoid errors that might delay processing.

Step 4: Review Terms and Submit

Before submitting your application, take a moment to thoroughly review the card’s terms and conditions. Understanding the APR, annual fees, and reward specifics can save you from surprises down the line. With confidence in the knowledge you’ve gathered, go ahead and click “Submit.” This action sends your application into the review process where it awaits approval.

Step 5: Receive Approval and Activate Your Card

With patience and a touch of excitement, await a decision from Discover. Approval is often swift, and once you’re accepted, you’ll receive your card by mail. Activate it promptly through the Discover website or by calling their service number. Your financial adventures in cash back rewards are now underway!

VISIT THE WEBSITE TO LEARN MORE

Frequently Asked Questions About the Discover it Cash Back Card

What is the Discover it Cash Back card?

The Discover it Cash Back is a credit card that offers a unique cash back rewards program. Users earn 5% cash back on rotating quarterly categories such as gas stations, grocery stores, restaurants, and online shopping, up to the quarterly maximum, each time you activate. Additionally, you receive 1% cash back on all other purchases, making it a versatile option for everyday spending.

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

No, one of the standout features of the Discover it Cash Back card is that it does not charge an annual fee. This makes it an attractive option for those who are looking to maximize rewards without the burden of yearly fees.

How does the cash back match work with this card?

Discover offers a unique feature called the Cashback Match. At the end of your first year as a cardholder, Discover will automatically match all the cash back you’ve earned, effectively doubling your first year’s rewards. For example, if you’ve earned $200 in cash back during your first year, Discover will match it, giving you a total of $400. This enticing offer is particularly beneficial for new cardholders aiming to maximize their rewards during the initial year.

What credit score is needed to apply for the Discover it Cash Back card?

While Discover does not publicly disclose exact credit score requirements, it is generally recommended that applicants have a good to excellent credit score, typically around 670 or higher, to improve their chances of approval. However, various factors are considered during the application process, including credit history and income.

Are there any foreign transaction fees with the Discover it Cash Back card?

No, the card does not charge any foreign transaction fees, which is beneficial for frequent travelers or those who make international purchases. This feature further enhances its value proposition for users who spend overseas or shop from international retailers.

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.