How to Apply for Discover it Cash Back Credit Card A Step-by-Step Guide

In today’s fast-paced world, having a versatile credit card can make all the difference in managing your daily expenses seamlessly. The Discover it Cash Back Credit Card is a popular choice among savvy spenders in the United States, offering an enticing array of benefits designed to enhance your purchasing power.

One standout feature of this card is its 5% cash back on everyday purchases at different places each quarter, such as Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Additionally, everything else you buy earns an unlimited 1% cash back, making it easy to rack up rewards on all your spending.

Beyond these rewards, Discover provides exceptional customer support and no annual fee, ensuring that managing your finances remains a smooth and stress-free experience. Whether you’re looking to make the most of your everyday purchases or simply want a reliable card in your wallet, understanding how to apply can set you on the path to financial savviness.

Benefits of the Discover it Cash Back

1. Cashback Rewards Program

The Discover it Cash Back card offers a generous cashback rewards program, allowing cardholders to earn up to 5% cash back on everyday purchases. Each quarter, the categories rotate and include areas like groceries, gas stations, restaurants, and even select online retailers. By spending strategically based on these rotating categories, you can maximize the rewards you earn.

2. Cashback Match

In your first year, Discover matches all the cash back you’ve earned, automatically doubling your rewards. For instance, if you earn $200 in cashback, Discover will match it, giving you a total of $400 by the end of your first year. This unique offer provides a great incentive to start using your card right away.

3. No Annual Fee

Many credit cards charge a yearly fee for their benefits, but the Discover it Cash Back card comes with no annual fee. This allows you to take full advantage of the cashback program without worrying about offsetting the benefits with a hefty annual charge.

4. 0% Intro APR Period

The Discover it Cash Back card offers a 0% intro APR on purchases and balance transfers for the first 15 months. This feature is particularly beneficial if you plan to make a large purchase or wish to transfer a balance from another card. It’s also a good opportunity to save on interest and pay down your balance faster.

5. Flexible Redemption Options

Once you’ve reaped the rewards, Discover makes it simple to redeem your cash back. You can apply it as a statement credit, deposit it into your bank account, or even use it to shop directly with partners such as Amazon.com. This flexibility allows you to tailor the rewards to your personal financial habits and goals.

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Requirements to Apply for the Discover it Cash Back Credit Card

• Credit Score: A good to excellent credit score is typically required for approval. This usually means a FICO score of 670 or higher. It’s important to check your credit score before applying, as this will give you a good idea of your likelihood of approval.
• Age Requirement: Applicants must be at least 18 years old. If you are younger, you will need a co-signer. Remember, applying for a credit card before you’re ready can impact your financial health, so it’s important to be well-prepared.
• Income Proof: You’ll need to show proof of income, such as pay stubs or bank statements, to confirm your ability to pay back any credit you utilize. This helps the issuer assess your financial stability and determine your credit limit.
• Social Security Number: When applying, you’ll be required to provide your Social Security number (SSN). This is used to verify your identity and run a credit check.
• US Residency: Only U.S. residents can apply for the Discover it Cash Back card. Permanent residents or those on certain types of visas may also be eligible, but they must have a valid U.S. address.

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How to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Official Discover Website

To start your application for the Discover it Cash Back credit card, navigate to the official Discover website. You can do this by typing “Discover it Cash Back” into your preferred search engine and clicking on the official Discover link, or directly visiting the Discover credit cards section. Once there, locate the Discover it Cash Back card from the list of options available.

Step 2: Review Card Details and Understand the Benefits

Before proceeding with your application, take a moment to carefully review the card’s features and benefits. The Discover it Cash Back card offers a unique feature of 5% cash back on rotating categories each quarter, while earning 1% on all other purchases. It’s important to ensure these rewards align with your spending habits. Understanding any fees, interest rates, and introductory offers is essential before moving forward.

Step 3: Gather Required Information

Before filling out the application, gather the necessary information to streamline the process. This includes your personal details such as name, address, and Social Security Number, as well as financial information like your income and any current debts. Having these details on hand will make your application process smoother and quicker.

Step 4: Complete and Submit the Online Application

With all required information ready, proceed to fill out the online application form on the Discover website. Ensure all entered details are accurate and check for any errors before submitting. Once submitted, Discover will process your application, and you will receive a decision shortly. This decision may involve a follow-up for additional verification if needed.

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Step 5: Receive Your Card and Start Earning Cash Back

Upon approval, your Discover it Cash Back card will be mailed to your registered address. Once received, activate the card online or via phone as instructed. You can now start using it to make purchases and earn cash back rewards. Make sure to pay your credit card bill on time and take full advantage of the cash back offers to maximize your savings.

Frequently Asked Questions about the Discover it Cash Back Card

What are the primary benefits of the Discover it Cash Back card?

The Discover it Cash Back card offers numerous benefits that can make it a valuable tool for managing your finances. One of the primary benefits is the 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum when you activate. Additionally, unlimited 1% cash back is available on all other purchases, automatically. Moreover, Discover matches all the cash back you’ve earned at the end of your first year, giving you an extra boost to your rewards.

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

No, the Discover it Cash Back card has no annual fee. This means you can enjoy the benefits and rewards of using the card without worrying about an additional yearly cost. This can be a significant advantage for cardholders who want a high-rewards card without the added expense.

How does the Discover it Cash Back card handle interest rates?

The Discover it Cash Back card offers a 0% introductory APR for 15 months on purchases and balance transfers, which can be beneficial if you plan on taking some time to pay off large purchases. After the introductory period, a variable APR of 13.99% to 24.99% applies based on your creditworthiness. This structure provides an opportunity to save on interest, especially if you take advantage of the introductory offer.

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

No, the Discover it Cash Back card charges no foreign transaction fees. This is particularly useful if you frequently travel internationally or make purchases from foreign merchants online, ensuring you won’t be hit with extra costs for those transactions.

How does Discover protect my account and information?

Discover offers robust security features to protect your account and personal information. These include fraud monitoring, alerts to notify you of suspicious activities, and a $0 fraud liability on unauthorized purchases. You can also rely on secure account sign-ins and authentication measures to ensure that your data remains safe.

Linda Carter

Linda Carter is a writer and financial consultant specializing in economics, personal finance, and investment strategies. With years of experience helping individuals and businesses make complex financial decisions, Linda provides practical analyses and guidance on the AsanTime platform. Her goal is to empower readers with the knowledge needed to achieve financial success.