How to Apply for Discover it Cash Back Credit Card Step-by-Step Guide
Applying for a new credit card can seem daunting, but the Discover it Cash Back card makes the journey worthwhile with its rewarding features. Imagine earning cash back on every purchase without any annual fee – that’s the kind of value this card offers. The Discover it Cash Back card promises more than just convenience; it’s designed to put money back into your pocket with its unique cash back program. With categories that rotate each quarter, you can earn 5% cash back at popular places like grocery stores or gas stations. Plus, unlimited 1% cash back on all other purchases means your everyday expenses still contribute to your savings. The card’s first-year bonus, where Discover matches all the cash back you’ve earned, is an added advantage to consider. If you’re ready to take control of your finances with these benefits, learning how to apply is your next step.
Explore the Advantages of the Discover it Cash Back Card
1. Earn Cashback on Every Purchase
The Discover it Cash Back card offers a unique benefit of earning 5% cashback on everyday purchases at different places each quarter, like grocery stores, restaurants, gas stations, and even online shopping, up to the quarterly maximum when you activate. Additionally, you get 1% unlimited cashback on all other purchases. To fully take advantage of this, plan your purchases around quarterly categories and remember to activate your 5% cashback each quarter.
2. Cashback Match at the End of Your First Year
As a new cardholder, the Discover it Cash Back card stands out with a Cashback Match. This means Discover will match all the cashback earned at the end of your first year with no limit on how much is matched. For example, if you earn $200 in cashback, you will get an additional $200, totaling $400 at the end of the year. To maximize this benefit, actively use your card for purchases during your first year.
3. No Annual Fee
Unlike many other credit cards, the Discover it Cash Back card charges no annual fee. This benefit helps cardholders save money annually, making it easier to keep within their budgets. When combined with other perks, the lack of an annual fee makes this card a financially sound choice for anyone looking to maximize their rewards without incurring yearly costs.
4. Robust Security Features
This card offers excellent security features without extra charges. It provides free alerts if your Social Security number is found on any of thousands of Dark Web sites, and you can instantly freeze your card from the Discover website or mobile app to prevent new purchases in case it’s lost or stolen. Ensure your peace of mind by enabling these security features as soon as you receive your card.
VISIT THE WEBSITE TO LEARN MORE
| Category | Details |
|---|---|
| Cash Back Rewards | Earn 1% cash back on all purchases and 5% in rotating categories each quarter. |
| No Annual Fee | Keep more of your money with no yearly fees. |
The Discover it Cash Back card is an excellent choice for those looking to earn rewards while managing their expenses. With its generous cash back structure, users can benefit from both steady rewards on everyday purchases and enhanced earnings in designated categories. This card not only encourages smarter spending habits but also ensures that you’re rewarded for your loyalty. Furthermore, the absence of an annual fee means you can maximize your rewards without incurring additional costs.
Requirements for Applying for Discover it Cash Back
- Credit Score: One of the main requirements is having a decent credit score. Generally, an applicant should have a minimum credit score of 670, which falls into the ‘Good’ range. This indicates to lenders that you are a reliable borrower who can manage credit responsibly.
- Income Verification: Applicants must demonstrate sufficient income that will allow them to meet the credit card payments. Although there is no specific minimum income requirement, your income should reasonably cover your ordinary living expenses plus any debt.
- US Residency: You must be a legal resident of the United States. This requirement is crucial as Discover it Cash Back is tailored for residents within the country who meet certain legal requirements.
- Age Requirement: To apply for the Discover it Cash Back card, you need to be at least 18 years old. This is the legal age at which you can enter into a credit agreement in most states.
- Documentation: Be prepared to provide necessary documentation such as a Social Security Number (SSN), proof of income, and identifying information like a valid driver’s license or government-issued ID.
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 get started with your Discover it Cash Back application, first head over to the official Discover website. It’s important to ensure you are on the genuine site, as this will help protect your personal information. Look for the “Credit Cards” section on the homepage, usually found in the top menu bar, and select “Cash Back Credit Card” from the list.
Step 2: Review the Card Details
Before you proceed with your application, take a moment to review the card details and benefits. The Discover it Cash Back card offers various rewards and features that you should be aware of. By understanding the card’s terms, such as interest rates, annual fees, and cash back rewards, you can make an informed decision. Make sure this card fits your financial needs and spending habits.
Step 3: Start Your Application
Once you’re ready to apply, click on the “Apply Now” button. You’ll be directed to a secure application page where you’ll need to fill in your personal information. This will include your full name, address, Social Security number, employment information, and income details. Ensure all information is accurate to avoid delays in the processing of your application.
Step 4: Review and Submit Your Application
After entering your details, take a moment to review all the information you’ve provided. It’s crucial to double-check everything for errors. Once you’re confident that everything is correct, submit your application. You’ll typically receive a decision within minutes, but in some cases, it may take longer if additional verification is needed.
Step 5: Receive Your Approval and Card
If your application is approved, Discover will notify you and send your new Discover it Cash Back card to the address you provided. Expect to receive your card within 7-10 business days. Once you receive it, follow the instructions to activate your card, and you can start using it to earn cash back on your purchases.
LEARN MORE DETAILS ABOUT DISCOVER IT CASH BACK
FAQs About the Discover it Cash Back Credit Card
What is the Discover it Cash Back credit card?
The Discover it Cash Back credit card is a popular credit card in the U.S. known for its unique cashback rewards program. This card offers 5% cash back in specific categories that rotate each quarter, such as groceries, gas stations, or restaurants, and 1% cash back on all other purchases. It’s a great option for those who enjoy earning rewards while spending.
How do the rotating categories work?
With the Discover it Cash Back card, you earn 5% cash back on purchases made in specific quarterly rotating categories. These categories change every three months and can include a variety of popular spending areas like grocery stores, gas stations, or online shopping. To earn the enhanced cash back, you need to activate the categories each quarter, which can easily be done through your online account or the Discover app.
Is there an annual fee for 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. This means you can enjoy all the benefits and rewards without the worry of an annual charge eating into your cashback earnings, making it a cost-effective option for budget-conscious cardholders.
How does the cash back match work during the first year?
As a special introductory offer, Discover provides a Cashback Match for new cardmembers at the end of their first year. This means Discover will automatically match all the cash back you’ve earned at the end of your first year—effectively doubling your cash back. For example, if you’ve earned $200 in rewards, Discover will match that with an additional $200, giving you a total of $400 in cash back.
Are there any foreign transaction fees with the Discover it Cash Back card?
For those who travel internationally, the Discover it Cash Back card offers another benefit: there are no foreign transaction fees. This means you won’t incur additional charges when using your card for purchases outside the United States, making it a convenient and economical choice for international travel.
