How to Apply for the Discover it Cash Back Credit Card Easy Guide
Maximizing your everyday purchases has never been easier with the Discover it Cash Back Credit Card. This card stands out by offering a generous cashback program, allowing you to earn rewards on both essential and leisure expenditures. Designed with simplicity and efficiency in mind, it’s an excellent choice for those seeking to get the most out of their spending while enjoying robust protection benefits.
Unlike some other cards, the Discover it Cash Back charges no annual fee, making it an attractive option for budget-conscious individuals. Its appeal is further enhanced by a user-friendly application process that ensures you can start reaping the rewards sooner rather than later. Plus, with its innovative cashback match program, your first-year rewards can see a significant boost. Stay tuned as we walk you through a straightforward guide to apply for this card and start enjoying its benefits today.
Benefits of the Discover it Cash Back Credit Card
1. Cashback Rewards
The Discover it Cash Back credit card offers a remarkable opportunity to earn cash back on your everyday purchases. You can enjoy 5% cash back on rotating quarterly categories like gas stations, groceries, or restaurants, up to the specified quarterly maximum, when you activate. Additionally, earn unlimited 1% cash back on all other purchases. By strategically planning your purchases, you can maximize your returns and make the most out of this benefit.
2. Cashback Match
One unique feature of the Discover it Cash Back card is the Cashback Match offer for new cardholders. At the end of your first year, Discover will automatically match all the cash back you’ve earned, meaning you can effectively earn double the rewards for that first year. This feature is especially beneficial if you take full advantage of the rotating categories and use the card for everyday expenses.
3. No Annual Fee
With this card, you get to enjoy all the benefits without the worry of an annual fee. This can lead to more savings over time as every dollar you earn in cash back goes straight to your pocket, not towards maintaining your card. It’s an excellent choice for budget-conscious individuals looking to maximize their savings.
4. 0% Intro APR
The Discover it Cash Back card offers a 0% introductory APR for 15 months on purchases and balance transfers. This allows you to finance larger purchases and pay them off over time without incurring interest, given you pay off the balance before the introductory period ends. After this period, a standard variable APR applies, so it’s wise to keep track of your spending and repayment plan.
5. Enhanced Security Features
Security is a primary concern for credit card users, and the Discover it Cash Back card takes it seriously. Enjoy features like a free Social Security number alert and an account freeze capability through the mobile app for additional peace of mind. It ensures that your finances are protected, giving you more confidence in using your card for online and offline transactions.
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| Category | Details |
|---|---|
| Cash Back Rewards | Earn 1% cash back on all purchases, plus 5% cash back on rotating categories. |
| No Annual Fee | Enjoy the benefits without a yearly fee, maximizing your savings. |
This card truly stands out for its exceptional cash back program. The rotating categories ensure that you’re rewarded more for spending in specific areas, which can result in significant savings over time. Plus, with no annual fee, you can keep your finances in check while still enjoying the perks of cash back rewards. If you’re looking to earn while you spend, this card is definitely worth considering.
Key Requirements to Apply for Discover it Cash Back Card
- Age Requirement: Applicants must be at least 18 years old. If you’re under 21, you’ll need to prove that you have independent income to manage credit card repayments.
- U.S. Residency: You must be a U.S. citizen or a permanent resident. Discover requires a Social Security Number for verification purposes.
- Credit Score: A good credit score is typically required. This means having a FICO score of at least 670. If you’re new to credit, consider providing additional documentation to support your application.
- Stable Income: It is important to have a consistent source of income. Although Discover does not disclose a specific minimum income, demonstrating ability to repay debts is crucial.
- Valid Personal Information: Accurate information, such as full name, address, and contact details, is needed when applying. Ensure your details match those on any identification documents.
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
Your first step in applying for the Discover it Cash Back credit card is to access the official Discover website. You can do this by opening a web browser on your computer or smartphone and visiting Discover.com. On the homepage, navigate to the credit cards section, where you will find various options, including the Discover it Cash Back card.
Step 2: Review the Card Features and Benefits
Before applying, it is important to understand the features and benefits of the Discover it Cash Back credit card. This card offers 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, you can earn 1% unlimited cash back on all other purchases. Reviewing these terms will help you decide if this card aligns with your financial needs.
Step 3: Click on “Apply Now”
Once you have thoroughly reviewed the card details, click on the “Apply Now” button next to the Discover it Cash Back card. This will redirect you to the application form, where you’ll need to provide some personal information such as your name, address, social security number, and employment details. Ensure that the information you provide is accurate to avoid any delays in your application.
Step 4: Submit Your Application
After filling out all the required fields in the application form, review the information for accuracy. Once you have confirmed that everything is correct, you can submit your application. Discover will then process your application, which might take a few minutes to a few days to evaluate.
Step 5: Wait for Approval
Once you have submitted your application, you will need to wait for approval. Discover may contact you for additional information if needed. If your application is approved, you will receive your Discover it Cash Back credit card in the mail along with instructions on how to activate it and start using your new card safely.
SEE HOW TO GET YOUR DISCOVER IT CASH BACK
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 several attractive benefits. Among these, cardholders enjoy 5% cash back on rotating quarterly categories such as groceries, restaurants, gas stations, and online shopping, up to a quarterly maximum, when they activate the offer. Additionally, you earn 1% unlimited cash back on all other purchases. Another great feature is the Cashback Match: at the end of your first year, Discover matches all the cash back you’ve earned, effectively doubling your cash rewards.
How does the Cashback Match work?
The Cashback Match is a distinctive offer only available to new Discover it cardmembers. For the first 12 consecutive billing cycles, you’ll earn cash back as you make purchases. At the end of your first year, Discover will automatically match all the cash back you’ve earned. For example, if you’ve accumulated $150 in cash back, Discover will match that amount, giving you a total of $300 in cash back rewards.
Are there any annual fees associated with this credit card?
One of the appealing aspects of the Discover it Cash Back card is that it comes with no annual fee. This allows you to take advantage of the rewards program without having to worry about any additional yearly cost.
What are the eligibility requirements for applying?
To apply for the Discover it Cash Back card, you need to be at least 18 years old and a U.S. resident. It is also important to have a good to excellent credit score, typically ranging from 670 to 850, to increase your chances of approval. Having a stable income source can also positively impact your application.
How can I maximize my cash back rewards?
Maximizing your cash back rewards with the Discover it Cash Back card is simple. Ensure you activate the 5% cash back categories each quarter through your online account or the Discover mobile app. Then, focus your spending in these categories when possible, up to the quarterly maximum. Additionally, use your card for everyday purchases to earn 1% cash back, ensuring that every spend counts towards your rewards balance.