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

In the world of personal finance, the Discover it Cash Back Credit Card stands out for its enticing blend of simplicity and rewards. As a savvy cardholder, you’ll enjoy the benefit of earning 5% cash back on everyday purchases in rotating categories each quarter, up to a quarterly maximum, when you activate. The card also offers an unlimited 1% on all other purchases, amplifying your cash-back potential.

But how do you go about making this valuable financial tool part of your wallet? Applying for the Discover it Cash Back Credit Card is a streamlined process designed to guide you smoothly from start to finish, making it accessible eve for first-time credit applicants. With a focus on convenience and clarity, understanding the steps to apply will empower you to take advantage of its lucrative rewards, all while building your financial future.

Top Benefits of Using the Discover it Cash Back Card

1. Cash Back Rewards

The Discover it Cash Back card offers an impressive 5% cash back on everyday purchases at different places each quarter, including grocery stores, restaurants, gas stations, and online shopping like Amazon.com, up to the quarterly maximum each time you activate.

Tip: Plan your purchases around the 5% categories for each quarter. Activate these bonuses ahead of time to ensure you’re maximizing your rewards. Remember to explore all the eligible spending categories so you can utilize this benefit fully.

2. Cashback Match

As an introductory offer, Discover will automatically match all the cash back you’ve earned at the end of your first year. This means if you earn $150 in cash back, Discover will match it, giving you a total of $300 without any minimum spending requirements!

Tip: Use your card for as many purchases as possible in your first year to maximize this unmatched earning potential.

3. No Annual Fee

The Discover it Cash Back card comes with no annual fee, which means more of your rewards stay in your pocket instead of being offset by hefty fees.

Tip: Compare cards with similar rewards but with annual fees to see how much you’re saving. This card gives you incredible value without any extra cost.

4. 0% Intro APR on Purchases

For the first 15 months, you can enjoy a 0% introductory APR on purchases. This can come in handy for managing expenses or large purchases over time without accruing interest.

Tip: Consider investing in big-ticket items like electronics or furniture during this period to take full advantage of the payment flexibility without interest charges.

5. Enhanced Card Security

Discover provides robust security features like **Freeze it**, an on/off switch available via mobile app or website that allows you to freeze your account in seconds if you misplace your card. Plus, they offer free alerts with every transaction.

Tip: Always monitor your account for unfamiliar transactions and leverage the Freeze it feature as a quick security measure if needed.

SEE HOW TO GET YOUR DISCOVER IT CASH BACK

This table outlines key advantages of the Discover it Cash Back card, enticing readers to dive deeper into its benefits. With cash back rewards that adapt to your spending and no annual fee, this card is designed to enhance budget management while rewarding you for your purchases.

Requirements to Apply for the Discover it Cash Back Credit Card

• Minimum Age: To apply for the Discover it Cash Back credit card, you must be at least 18 years old. This is a legal requirement to ensure applicants can enter into a binding financial agreement.
• Credit Score: A good to excellent credit score, typically 670 or above, is recommended. This score indicates to lenders that you have a history of managing credit responsibly.
• Income Verification: Applicants must demonstrate a reliable income source. This can include salary, wages, or regular income from other sources. Providing proof like pay stubs or tax returns helps validate your ability to pay off any credit extended to you.
• U.S. Residency: You need to be a U.S. resident with a valid Social Security Number. This ensures that the card issuer can verify your identity and credit history.
• Identification Documents: Be prepared to submit identification documents such as a driver’s license or passport to prove your identity and age during the application process.

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 Website

To begin your application for the Discover it Cash Back credit card, you need to go to the official Discover website. Open your preferred web browser and type in https://www.discover.com/credit-cards/cash-back/it-card. From this page, you have direct access to all the important details about the card’s features, benefits, and terms.

Step 2: Understand the Card Details

Before proceeding with the application, it’s important to familiarize yourself with the card’s benefits. The Discover it Cash Back credit card offers rotating cash back categories where you can earn rewards on your spending. Read through the terms and conditions, and make sure this card aligns with your financial habits and goals. Pay special attention to any introductory offers or specific requirements you need to meet.

Step 3: Start Your Application

Once you are ready, click the “Apply Now” button, which you will find on the Discover webpage. You will be directed to the application form. Be prepared to provide personal information such as your full name, address, Social Security number, and employment details. Ensure the information is accurate to avoid any potential delays in the approval process.

Step 4: Review and Submit Your Application

After filling out the form, take a moment to review all the information you’ve entered. Accurate and complete information increases your chances of getting approved. If everything looks good, submit your application. You may receive an instant decision, but in some cases, Discover might need additional time to review your information.

Step 5: Await Approval

Once your application is submitted, your part is done for the time being. If approved, you will receive your Discover it Cash Back credit card in the mail within a few business days. If any follow-up is needed, Discover will contact you directly.

SIGN UP TO GET YOUR DISCOVER IT CASH BACK

Frequently Asked Questions about the Discover it Cash Back Credit Card

What are the cash back rewards available with the Discover it Cash Back card?

The Discover it Cash Back card offers a unique rewards structure where you can earn 5% cash back on rotating quarterly categories. These categories could include places like grocery stores, restaurants, or gas stations, up to a quarterly maximum each time you activate. In addition to this, you will earn 1% cash back on all other purchases automatically, making it a versatile choice for everyday spending.

How does the first-year cash back match work on this card?

One of the standout features of the Discover it Cash Back card is its introductory offer, known as the cash back match. At the end of your first year as a cardholder, Discover will automatically match all the cash back you’ve earned. For example, if you earned $200 in cash back, Discover will match that amount, giving you a total of $400 for the year, with no cap on the amount they match.

Are there any annual fees associated with the Discover it Cash Back card?

No, the Discover it Cash Back card does not come with an annual fee, which means you can take advantage of the cash back rewards without worrying about the costs typically associated with maintaining a credit card. This makes it an appealing option for budget-conscious consumers looking to maximize their rewards without extra expenses.

What is the interest rate for the Discover it Cash Back card?

The Discover it Cash Back card offers a 0% introductory APR for 15 months on purchases and balance transfers. After the introductory period, your APR will become a variable rate depending on your creditworthiness. It’s important to review the current rates and terms provided by Discover when you apply, as they can vary over time.

How can I redeem the cash back rewards from the Discover it Cash Back card?

Redeeming your cash back rewards with the Discover it Cash Back card is flexible and can be tailored to suit your needs. You can redeem your rewards for a statement credit, direct deposit into your bank account, as an Amazon purchase, or you can use them to pay through PayPal. Discover provides multiple options to fit how you prefer to manage and utilize your rewards.

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.