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

Exploring the world of cash back credit cards can lead you to some rewarding opportunities, and one standout option is the Discover it Cash Back Credit Card. Whether you’re looking to boost your savings on everyday purchases or simply want a card that offers great perks, this card has something to offer. With a unique rotating cash back category system, it lets you earn as much as 5% on select purchases, all while maintaining a straightforward approach to rewards.

Plus, Discover’s generous feature of matching all the cash back you’ve earned at the end of your first year can be an added benefit that elevates your rewards experience. Applying online for this card is a convenient process designed to help you get started quickly on your journey to enhanced savings. So, if you’re ready to simplify your credit card choice and reap impressive benefits, it might be time to explore how to apply for this card.

Benefits of the Discover it Cash Back Credit Card

1. Earn Generous Cash Back Rewards

The Discover it Cash Back card offers a robust rewards program, allowing you to earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, groceries, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, you earn 1% cash back on all other purchases automatically.

Tip: Be sure to activate your rewards each quarter to ensure you’re maximizing your cash back potential. Setting a calendar reminder can help you remember this important step.

2. First-Year Cash Back Match

New cardholders will enjoy Discover’s signature Cashback Match. At the end of your first year, Discover will match all the cash back you’ve earned, automatically, without any restrictions or caps. This means that if you earn $200 in cash back, you’ll get an additional $200 for a total of $400!

Tip: Use your card for as many purchases as possible in the first 12 months to get the most out of this matching benefit.

3. FICO Credit Score for Free

Stay informed about your creditworthiness with the free FICO credit score offered to Discover it Cash Back cardholders. Access your score on monthly statements, online, or through the mobile app, providing you a comprehensive understanding of your financial health.

Tip: Monitoring your credit score regularly can help you track your financial progress and spot any errors or fraudulent activity early.

4. No Annual Fee

One of the standout features of the Discover it Cash Back card is that it comes with no annual fee. This allows you to enjoy rewards without worrying about an additional cost offsetting your savings.

Tip: Utilize the savings from this no-fee feature to invest in other financial goals or set aside as extra savings.

5. Introductory 0% APR

Take advantage of the introductory offer of 0% APR for 15 months on purchases and balance transfers. This can be significantly beneficial if you’re planning large purchases or want to pay down credit card debt without paying high-interest fees during the introductory period.

Tip: Plan your large purchases or transfers strategically during this period to make full use of the interest-free timeframe.

GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE

The “Discover it Cash Back” card is designed to reward every dollar you spend. With its unique structure offering 5% cash back on categories that change every quarter, cardholders can strategically use the card to maximize earnings based on their spending habits. For those who frequently shop in these rotating categories, this translates to significant savings and excellent rewards.Additionally, the absence of an annual fee makes this card even more appealing. Unlike many cash back cards that charge yearly fees, the “Discover it Cash Back” allows users to accumulate cash back without any cost, making it a very accessible option for those looking to enhance their financial management while enjoying their purchases. It’s designed to be straightforward and rewarding, appealing to a wide audience ranging from students to seasoned credit users.

Requirements to Apply for Discover it Cash Back

• Applicants should have a minimum credit score of 670. This indicates a good credit standing, as the Discover it Cash Back card is designed for individuals with good to excellent credit.
• A steady income is essential. While there is no explicit minimum income requirement, lenders generally seek assurance that you can manage future card payments. Income sources could include salaries, wages, or pensions.
• You must be at least 18 years old. This is the general legal age to apply for any credit products in the United States.
• Applicants are required to provide personal identification documents. This typically includes a Social Security number, a valid ID such as a driver’s license, and proof of address.
• Ensure that you have a permanent U.S. address. This is necessary for correspondence and will serve as your billing address. Only residents of the U.S. are eligible for this card.

VISIT THE WEBSITE TO LEARN MORE

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, the first thing you need to do is visit the official Discover website. Navigating directly to their site ensures you’re dealing with Discover directly, which is both safe and secure. You can find the necessary application links and additional information about the credit card features here.

Step 2: Review Credit Card Features

Before applying, it’s crucial to understand what the Discover it Cash Back card offers. Review the card benefits like the cashback rewards program, introductory APR offer, and any associated fees. Knowing these details helps ensure this card aligns with your financial goals. The better informed you are, the more confidence you’ll have in your choice.

Step 3: Ensure Eligibility Requirements

Confirm that you meet the eligibility requirements before proceeding with the application. This typically includes being at least 18 years old, having a valid Social Security number, and residing in the United States. It’s also advisable to check your credit score since a fair score can improve your chances of approval.

Step 4: Complete the Online Application

Once you’ve verified your eligibility and are satisfied with the card’s features, you can proceed to fill out the online application form. Provide accurate personal information, such as your full name, contact details, and employment status. Be sure to double-check your entries before submitting to avoid any processing delays.

Step 5: Await Approval

After your application is submitted, Discover will review the information you provided. You might receive an immediate decision; alternatively, they may contact you for further details. Once approved, the credit card will be sent to your mailing address, typically within 7-10 business days.

GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE

Frequently Asked Questions about the Discover it Cash Back Card

What are the main features of the Discover it Cash Back card?

The Discover it Cash Back card offers a unique rewards structure with 5% cash back on rotating categories throughout the year, up to the quarterly maximum when you activate it. These categories can include dining, grocery stores, gas stations, or even Amazon.com. You also earn 1% unlimited cash back on all other purchases. Plus, there’s no annual fee, making it a cost-effective option for those who want to earn rewards without extra charges.

How does the cash back bonus work in the first year?

Discover provides a competitive benefit known as the Cashback Match. At the end of your first year, Discover will automatically match all the cash back you’ve earned. For instance, if you accumulated $200 in cash back, Discover will double it, resulting in a total of $400 in cash back. This is a significant perk for cardholders looking to maximize their earnings during the first year.

Are there any foreign transaction fees with this card?

No, the Discover it Cash Back card does not charge any foreign transaction fees. This makes it an excellent choice for travelers who wish to use their card abroad without worrying about extra costs impacting their transactions in foreign currencies.

How can I redeem the cash back rewards?

Redeeming your cash back rewards is flexible and straightforward. You can choose to apply your cash back as a statement credit, deposit it directly into your bank account, donate to a charity, or even use it to shop at Amazon.com. There’s no minimum redemption amount, allowing you to use your rewards whenever you see fit.

What should I do if I lose my Discover it Cash Back card?

If you lose your Discover it Cash Back card, you should contact Discover immediately by calling their customer service number, which can be found on their website. They offer a 24/7 customer service hotline to assist with situations like lost or stolen cards, and they will work with you to provide a replacement card as quickly as possible while monitoring for any unauthorized transactions.

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.