How to Easily Apply for the Discover it Cash Back Credit Card
In today’s fast-paced world, finding a credit card that combines simplicity with substantial rewards can feel like chasing a mirage. Enter the Discover it Cash Back Credit Card, a solution designed to make every dollar count. This card offers 5% cash back on rotating categories each quarter, like groceries, gas, or restaurants, allowing you to maximize savings on your everyday purchases.
Beyond its lucrative rewards program, the Discover it Cash Back Credit Card eliminates common consumer pain points with its $0 annual fee and 0% introductory APR on purchases and balance transfers for the first 15 months. Imagine being able to spend with confidence, knowing your spending is under control and your budget can stretch further. Discover’s user-friendly application process and exceptional customer service ensure you’re guided each step of the way, turning what often feels like a daunting task into a straightforward journey.
Benefits of Discover it Cash Back
1. Unlimited Cash Back Rewards
One of the standout features of the Discover it Cash Back card is the ability to earn 5% cash back on everyday purchases each quarter at different places like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum each time you activate. On all other purchases, you get a steady 1% cash back. To maximize this benefit, pay attention to the categories each quarter and plan your spending accordingly. For instance, if the current quarter features grocery stores, you might consider doing your bulk shopping during this period.
2. Cash Back Match in the First Year
What sets Discover apart is their cash back match feature at the end of your first year as a cardholder. Discover automatically matches all the cash back you’ve earned dollar for dollar, with no limit. This essentially doubles your cash back earnings, making the first year particularly rewarding. To best utilize this, try to charge as much of your routine everyday expenses to your card and pay off the balance in full each month to avoid interest charges.
3. No Annual Fee
Another attractive aspect of the Discover it Cash Back card is that it comes with no annual fee. Many credit cards charge fees simply for owning the card, but Discover allows you to keep more of your money in your pocket. This makes it an excellent choice for anyone looking to avoid unnecessary costs while still reaping rewards from their purchases.
4. Introductory 0% APR for Purchases
The card offers a 0% introductory Annual Percentage Rate (APR) on purchases for the first 15 months. This can be particularly beneficial if you’re planning a big purchase and would like more time to pay it off without incurring interest. Just make sure to understand when this introductory period ends to avoid sudden interest charges on any outstanding balances.
5. Comprehensive Security Features
Discover it Cash Back card also provides robust security measures including zero dollar fraud liability and free alerts for any potential signs of fraudulent activity. This ensures peace of mind when using your card for transactions. For added security, consider setting up account alerts for transactions over a certain amount.
LEARN MORE DETAILS ABOUT DISCOVER IT CASH BACK
| Category | Details |
|---|---|
| Cash Back Rewards | Earn 5% cash back on rotating categories, and 1% on all other purchases. |
| Bonus Offer | Get a cash back match on your first year’s cash back earnings. |
When you choose the Discover it Cash Back card, the opportunity to maximize your rewards is evident through its flexible cash back categories. Each quarter, you can earn 5% cash back on specific spending categories, which allows you to tailor your earning potential to fit your lifestyle. For instance, if you often shop at grocery stores or gas stations, you can strategically plan your purchases to take advantage of the higher cash back rate.Moreover, the extra incentive with the cash back match during your first year means that your earnings are doubled, providing a significant boost to your rewards. This unique feature distinguishes it from many other credit cards, making it easier for you to achieve your financial goals faster. Overall, the Discover it Cash Back card not only provides attractive rewards but also encourages smart spending habits.
Requirements to Apply for Discover it Cash Back Card
- Credit Score: To increase your chances of approval, a good credit score is typically required. This usually means a score of 670 or above. Having a strong credit history can demonstrate your ability to manage credit responsibly.
- Age Requirement: Applicants must be at least 18 years old. This is a standard requirement for most credit card issuers in the United States.
- Proof of Income: You’ll need to show that you have a reliable source of income, which can include employment wages or other income sources. This helps the issuer assess your ability to pay off your credit balance.
- U.S. Citizenship or Legal Residency: To apply for the Discover it Cash Back card, you need to be a U.S. citizen or have legal resident status.
- Social Security Number: A valid Social Security number is necessary for the application process. This helps verify your identity and credit history.
SEE HOW 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’ll need to visit Discover’s official website. This is where you will find all the relevant information about the card’s features, rewards, and application process. Make sure you are on a secure and private device when accessing the website to ensure your personal information is safe.
Step 2: Review Card Details and Eligibility
Before applying, take a moment to thoroughly review the card benefits and eligibility requirements. The Discover it Cash Back card offers various perks such as cash back rewards on everyday purchases. Ensure you meet the basic eligibility criteria, which typically include being at least 18 years old and having a valid Social Security number.
Step 3: Start Your Application
Once you’re familiar with the card details, you can start your application by clicking on the “Apply Now” button found on their webpage. You will be prompted to fill out a form with personal information such as your name, address, income details, and employment status. Be sure to provide accurate and up-to-date information to increase the chances of approval.
Step 4: Submit Your Application
After completing the application form, review all your entries to ensure accuracy. Once verified, you can submit the application for processing. Discover typically provides a prompt response, which can range from immediate approval to requests for additional information.
Step 5: Receive Approval or Further Instructions
After submitting your application, you will receive feedback on whether you have been approved for the Discover it Cash Back card. If approved, you will receive your new card in the mail along with instructions on activation. If additional information is needed or if your application is not approved, you will be notified with the necessary steps to follow.
VISIT THE WEBSITE TO LEARN MORE
Frequently Asked Questions about Discover it Cash Back
What are the main benefits of the Discover it Cash Back card?
The Discover it Cash Back card offers a variety of benefits. One of the standout features is the 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 each time you activate. Plus, you earn 1% unlimited cash back automatically on all other purchases.
How does the cash back reward system work?
The cash back reward system is straightforward. You earn a percentage of cash back on each purchase, which varies depending on the category. Every three months, the card offers rotating categories for 5% cash back on up to $1,500 in combined purchases. To earn this, you’re required to activate the categories each quarter. Remember, all other purchases earn you a flat rate of 1% cash back.
Is there a fee for using the Discover it Cash Back card?
One of the attractive features of the Discover it Cash Back card is that it has no annual fee. Additionally, there are no foreign transaction fees, which makes it a great option for travelers. However, be mindful of other fees like late payment fees, though your first late payment will not have a fee charged.
What is the introductory APR offer for the Discover it Cash Back card?
For new cardholders, the Discover it Cash Back card offers an introductory 0% APR for 15 months on purchases and balance transfers. After this introductory period, the APR for both will vary between 17.24% and 28.24%, based on your creditworthiness. This can be particularly helpful if you plan to make a large purchase and pay it off over time.
Does the Discover it Cash Back card have any special offers for new holders?
Yes, new cardholders can benefit from the Cashback Match program, where Discover matches all the cash back you’ve earned at the end of your first year automatically. For example, if you’ve earned $200 in cash back, Discover will match it and you’ll get a total of $400. This is an excellent incentive for new users to maximize their spending in the first year.
