How to Easily Apply for Discover it Cash Back Credit Card
Looking to save money while you spend? The Discover it Cash Back Credit Card might be just what you need. This card offers a generous 5% cash back on rotating categories like groceries, gas, restaurants, and even online shopping each quarter, up to a quarterly maximum, when you activate. For all other purchases, you’ll enjoy an automatic 1% cash back.
Even more enticing for new cardholders is the introductory offer: Discover matches all the cash back you’ve earned at the end of your first year, effectively doubling your rewards. Additionally, this card boasts no annual fee, making it an attractive option for budget-conscious consumers.
Besides rewards, the Discover it Cash Back Credit Card features exceptional customer service, fraud protection, and convenient account management tools, which enhance your financial experience. Let’s dive into how you can easily apply for this rewards-packed card and start enjoying its abundant benefits today.
Benefits of the Discover it Cash Back Credit Card
1. Cash Back on Every Purchase
One of the standout features of the Discover it Cash Back card is its incredible cash back program. Cardholders earn 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 when you activate. Plus, enjoy 1% unlimited cash back on all other purchases automatically. This means whether you’re fueling up for a road trip or buying a coffee, you’re earning money back on your expenses.
2. Match Your Cash Back
Another noteworthy benefit is Discover’s Cashback Match. This unique offer doubles all the cash back you’ve earned at the end of your first year for new cardmembers—automatically. For instance, if you earned $200 in cash back during your first year as a cardholder, Discover will match that to make it a total of $400. This effectively enhances your savings potential and rewards your loyalty from the get-go.
3. Introductory APR Offer
The Discover it Cash Back card provides an attractive introductory APR of 0% for purchases and balance transfers for the first 15 months. This can be a great opportunity to manage large purchases or transfer higher-interest balances without incurring extra interest charges. Remember, balance transfers must post to your account by a specified date to qualify for the introductory APR, and a balance transfer fee applies.
4. No Annual Fee
Unlike many other credit cards that charge a hefty annual fee, the Discover it Cash Back card comes with no annual fee. This feature allows cardholders to take advantage of all the benefits without worrying about added costs eating into the rewards they earn. It’s an excellent way to maximize the value of the card over time.
5. Social Security Number Alerts
In today’s world, keeping your information secure is of utmost importance. Discover protects its cardmembers by providing free Social Security number alerts if any new credit inquiries are detected on your Experian credit report. This proactive feature helps safeguard against identity theft, giving you peace of mind whenever you use your card.
SEE HOW TO GET YOUR DISCOVER IT CASH BACK
| Category | Details |
|---|---|
| Cash Back Rewards | Earn up to 5% cash back on rotating categories, making spending more rewarding. |
| Introductory Bonus | Get a $200 bonus after spending a specified amount in the first three months. |
The “Discover it Cash Back” credit card stands out in the financial market primarily due to its attractive cash back features. With this card, cardholders can earn a substantial 5% cash back in popular categories that change quarterly. This structured reward system allows individuals and families to maximize their savings on everyday purchases such as groceries, gas, and dining out. Additionally, new customers are welcomed with an enticing introductory bonus of $200 after meeting a spending threshold within the first three months. This bonus not only provides immediate rewards but also encourages sensible spending habits. Overall, this card is designed to offer flexibility and substantial returns, making it a compelling option for anyone looking to enhance their credit card experience.
Requirements for Discover it Cash Back Credit Card
- To apply for the Discover it Cash Back credit card, you typically need a minimum credit score of 670. This score is considered good and shows lenders that you have a responsible credit history.
- The application process also requires proof of a steady income. While there isn’t a set minimum income, having a job or a reliable source of income is important to assure the credit card issuer that you can manage monthly payments.
- Applicants must be at least 18 years old and have a valid Social Security number. This requirement is standard across most credit card applications in the United States.
- You will need to provide personal identification such as a driver’s license or another government-issued ID. This helps to verify your identity during the application process.
- Having a clean credit history, meaning no recent bankruptcies or defaults, can also enhance your chances of approval. Lenders prefer applicants who demonstrate financial stability and responsibility.
GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE
How to Apply for the Discover it Cash Back Credit Card
Step 1: Visit the Discover Website
To begin your application for the Discover it Cash Back credit card, start by accessing the Discover official website. You can do this by opening your preferred web browser and typing in www.discover.com in the address bar. Once on the homepage, navigate to the ‘Credit Cards’ section to locate the Discover it Cash Back card.
Step 2: Review Card Details
Once you find the Discover it Cash Back card, take the time to carefully read the card details. This includes understanding the terms and conditions, the rewards program, any applicable fees, and the interest rates. Ensure it aligns with your financial situation and credit needs. Reviewing these details helps you make an informed decision before proceeding with your application.
Step 3: Complete the Online Application Form
After understanding the card’s features, click on the ‘Apply Now’ button to access the online application form. You’ll need to fill in your personal information such as your name, address, Social Security number, income details, and employment information. Make sure to check all the entries before submitting to avoid any errors that could delay the process.
Step 4: Consent to Terms and Submit Application
Before submitting your application, you’ll be required to consent to several terms and conditions. This often includes allowing the issuer to perform a credit check. Once everything is in order, hit the submit button. You may receive an immediate decision, but in some cases, it could take a few days to process.
GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE
Step 5: Await Approval and Receive Your Card
After your application is submitted, wait for the approval decision. If approved, you’ll receive your Discover it Cash Back card via mail, typically within 7 to 10 business days. Remember, once you receive your card, activate it as instructed to start enjoying your cash back rewards.
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 users a competitive 5% cash back on selected categories that rotate each quarter, such as groceries, gas stations, restaurants, and online shopping. All other purchases earn 1% cash back. Another key benefit is Discover’s Cashback Match at the end of your first year, where they match all the cash back you’ve earned dollar-for-dollar, giving new cardholders a significant reward boost.
Are there any fees associated with the Discover it Cash Back card?
The Discover it Cash Back card has no annual fee, making it an appealing choice for those who want to avoid yearly costs. Additionally, there are no foreign transaction fees, which is great for international travelers. However, it is important to be aware of potential late fees if payments are not made on time, although the first late payment fee is waived as a courtesy.
How does the cash back system work for the Discover it Cash Back card?
The cash back system offers 5% cash back in eligible categories that change quarterly, like travel or dining out, up to a maximum spend of $1,500 per quarter. After reaching the limit, or for purchases outside of the special categories, cardholders will receive 1% cash back on all other purchases. To optimize your cash back, you need to activate the categories each quarter.
What is required to apply for the Discover it Cash Back card?
Applicants typically need to have a good to excellent credit score, generally considered to be a FICO score of 670 or higher. The application process is straightforward and can often be completed online. Discover’s pre-approval process allows potential cardholders to see if they qualify without affecting their credit score, making it a useful step before applying.
How can I redeem rewards earned on the Discover it Cash Back card?
Rewards can be redeemed in a variety of ways, offering flexibility to cardholders. You can apply cash back as a statement credit, deposit into a bank account, use it for purchases at select retailers, or even donate to charity. These flexible redemption options make it easy to use your rewards in a way that suits your personal preferences and lifestyle.
