How to Apply for Discover it Cash Back Credit Card Step-by-Step Guide
Applying for a credit card can feel overwhelming, but with the right guidance, it becomes a straightforward process. The Discover it Cash Back credit card stands out with its appealing features designed to make your financial life simpler. This card not only offers a user-friendly application process but also extends a variety of perks you’re likely to appreciate. With the Discover it Cash Back card, you’ll enjoy 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, there’s unlimited 1% cash back on all other purchases. Importantly, there’s no annual fee, making it an attractive choice for budget-conscious consumers. Thinking of upgrading your wallet? Follow this guide to understand the step-by-step process of applying for this rewarding credit card, ensuring you don’t miss out on any benefits.
Unlock the Benefits of the Discover it Cash Back Card
1. Cash Back Rewards
The Discover it Cash Back card offers an exceptional cash back program that puts money back into your wallet every month. Earn 5% cash back at different places each quarter, such as grocery stores, restaurants, gas stations, and online shopping, on up to $1,500 in purchases, by activating. Plus, enjoy 1% unlimited cash back on all other purchases. To maximize this benefit, always pay attention to the quarterly rotating categories and plan your spending accordingly to make the most out of the 5% cash back.
2. First-Year Cashback Match
The Discover it Cash Back card offers a remarkable first-year incentive known as Cashback Match. At the end of your first year as a cardholder, Discover will automatically match all the cash back you’ve earned. This means if you earned $200 in cash back, you’ll end up with $400! To maximize this, aim to use the card regularly for both categories and everyday purchases throughout the year to build up a greater amount to be matched.
3. No Annual Fee
An attractive feature of the Discover it Cash Back card is its lack of an annual fee, which means more of your money stays in your pocket. Many credit cards charge fees that can diminish your rewards, but with Discover, every dollar of cash back you earn is truly yours to keep. Always review your credit card statement to ensure you fully understand your earnings and apply them wisely.
4. Introductory APR Offer
The Discover it Cash Back card extends a generous 0% intro APR on purchases and balance transfers for the first 15 months from account opening, followed by a variable APR. This is particularly helpful if you’re planning a large purchase and prefer to pay it off over time without incurring interest charges. Just remember to pay your balance before the introductory period ends to avoid the higher APR.
5. Enhanced Fraud Protection
Your security is a top priority with the Discover it Cash Back card. Enjoy peace of mind with zero liability fraud protection, meaning you’re never held responsible for unauthorized purchases. Additionally, Discover offers free alerts if your Social Security Number is found on any of thousands of Dark Web sites, helping to safeguard your identity. Ensure your contact information is up-to-date to receive these critical alerts promptly.
GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE
| Category | Details |
|---|---|
| Cash Back Rewards | Earn automated cash back on category purchases like groceries and gas. |
| Introductory Offer | Enjoy 5% cash back on various categories each quarter for the first year. |
Requirements for the Discover it Cash Back Credit Card
- Applicants must have a minimum credit score of around 670, as this card is designed for individuals with good to excellent credit.
- You should have a steady source of income to demonstrate financial stability. There isn’t a specific income threshold, but it helps establish your ability to manage credit responsibly.
- A valid Social Security Number is required, as it is crucial for verifying your identity and pulling your credit report.
- Prepare proof of identity, such as a driver’s license or passport, to verify your personal information.
- Ensure you provide accurate and truthful information on the application form to avoid any delays or issues in processing your request.
SEE HOW TO GET YOUR DISCOVER IT CASH BACK
Applying for the Discover it Cash Back Credit Card
Step 1: Visit the Discover Website or Local Bank
Begin by visiting the official Discover website or your nearest bank branch. If you prefer convenience, head to the website where you can easily find information about the Discover it Cash Back credit card. You can access this by navigating to the credit cards section and selecting the Discover it Cash Back option.
Step 2: Review the Card Details
Before applying, take a moment to review the card’s details. It’s important to understand the features, benefits, and any relevant terms associated with the card. Pay attention to the rewards program, cash back rates, and annual fees. All this information is typically available on the card’s dedicated page online.
Step 3: Prepare Your Information
To streamline your application process, gather all necessary information beforehand. You will need to provide personal details such as your Social Security number, income details, employment information, and any other financial data requested during the application. Having these details handy will make the process smoother and faster.
Step 4: Complete the Application
With your information in hand, proceed to complete the online application. Follow the instructions carefully, ensuring that all the details you enter are accurate and up-to-date. If you’re unsure about any part of the application, don’t hesitate to contact Discover’s customer support for assistance.
Step 5: Submit and Await Approval
Once your application is complete, submit it and patiently await a response. Generally, you should receive an initial decision within a few minutes. However, if Discover needs additional information, they will reach out to you. Upon approval, you’ll receive your new credit card via mail.
LEARN MORE DETAILS ABOUT DISCOVER IT CASH BACK
Frequently Asked Questions About Discover it Cash Back
What is the Discover it Cash Back card?
The Discover it Cash Back card is a credit card designed to reward users with cash back on purchases. It offers a unique feature where you earn 5% cash back on everyday purchases at different places each quarter, like grocery stores, restaurants, or gas stations, up to the quarterly maximum each time you activate.
How does the cash back program work?
With the Discover it Cash Back card, you’ll earn 5% cash back in rotating categories each quarter, up to a quarterly maximum (currently $1,500 in combined purchases), as long as you activate the offer. All other purchases earn 1% unlimited cash back automatically, so you’re always rewarded when using your card.
Are there any fees associated with the Discover it Cash Back card?
The Discover it Cash Back card has no annual fee. Additionally, there are no foreign transaction fees, which can be an advantage if you plan to travel internationally. It’s also worth noting that your first late payment fee is waived, offering some flexibility.
What is the introductory interest rate offer?
The Discover it Cash Back card often comes with a 0% introductory APR for purchases and balance transfers for the first 14 months. After the introductory period, the standard variable APR applies, which is currently from 16.24% to 27.24%, based on your creditworthiness. Be sure to check the terms when you apply, as these offers can change.
Does the Discover it Cash Back card offer any unique benefits?
One of the standout benefits of the Discover it Cash Back card is the Cashback Match at the end of your first year. Discover will match all the cash back you’ve earned at the end of your first year, which effectively means doubling your rewards without any additional effort on your part. It’s a great way to maximize the value from using your card.
