How to Apply for the Discover it Cash Back Credit Card Online

Applying for a credit card can seem daunting, but it’s easier than ever with the Discover it Cash Back Credit Card. This card offers an impressive combination of features tailored for those who want to make the most of their spending. With 5% cash back on rotating quarterly categories like gas stations, grocery stores, and online shopping, you’ll find rewards adding up quickly. The Discover it Cash Back card also offers the rare benefit of doubling your cash back earned in the first year. That means, if you accumulate $200 in cash back, it automatically becomes $400 after 12 months. Additionally, applying online streamlines the process, allowing you to benefit from Discover’s user-friendly platform right from the comfort of your home. Whether you’re planning a big purchase or looking to maximize everyday spending, learning to apply for this credit card online can unlock a world of financial benefits.

Benefits of Discover it Cash Back Credit Card

1. Generous Cash Back Rewards

With the Discover it Cash Back card, you can earn a robust 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 when you activate. Additionally, you earn 1% unlimited cash back on all other purchases automatically. To maximize this benefit, be sure to track the rotating categories and activate them each quarter. This way, you can plan your spending accordingly and maximize your rewards.

2. Dollar-for-Dollar Match

One of the standout benefits of the Discover it Cash Back card is the cash back match program. Discover will match all the cash back you’ve earned at the end of your first year as a cardholder. So if you’ve earned $200 in cash back, you’ll actually end up with $400. This unique offer makes your cashback rewards really add up, especially in your first year.

3. No Annual Fee

The Discover it Cash Back card comes with no annual fee. This means you can enjoy all the benefits and rewards without worrying about a yearly charge eating into your savings. It’s a great feature for those who are budget-conscious and want to get the most from their credit card without additional costs.

4. Introductory APR Offer

Take advantage of the introductory APR offer of 0% interest for 15 months on purchases and balance transfers. This feature is particularly useful if you’re planning on making a large purchase or consolidating debt. After the introductory period, a variable APR applies, so make sure to pay off your balances to avoid interest charges.

5. FICO® Credit Score Access

This card provides complimentary access to your FICO® Credit Score online and with your monthly statements. Monitoring your credit score regularly helps you stay informed about your financial health, which is crucial for making smart financial decisions. If you’re actively working to improve your credit score, this tool can be incredibly beneficial.

LEARN MORE DETAILS ABOUT DISCOVER IT CASH BACK

The Discover it Cash Back card stands out for its rewarding cash back system that can significantly benefit your spending habits. With the ability to earn 5% on categories that change quarterly, the potential for saving money on purchases is substantial. Moreover, the absence of an annual fee makes this card an attractive option for consumers who want to avoid extra costs while enjoying benefits.In addition to these aspects, you can take advantage of promotional offers like the cashback match for new cardholders, where Discover doubles the cash back earned in your first year. This feature encourages users to engage with the card actively and reap greater rewards, potentially resulting in significant savings on purchases made throughout the year.

Requirements for the Discover it Cash Back Credit Card

• The first step in qualifying for the Discover it Cash Back credit card is having a good to excellent credit score. Generally, a score of 670 or higher is recommended to enhance your approval chances.
• Another significant requirement is proof of a steady income. This is essential because it demonstrates your ability to manage and repay obligations incurred through credit use.
• Applicants must be at least 18 years old and a resident of the United States. Meeting these age and residency requirements is fundamental to proceeding with the application process.
• A valid Social Security Number (SSN) is required. It plays a crucial role in identity verification, ensuring the security and authenticity of the application.
• You’ll also need to provide basic personal information, including your full name, address, and contact details to verify identity and ensure proper communication regarding the card application process.

VISIT THE WEBSITE TO LEARN MORE

How to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Discover Website

Begin your application journey by navigating to the official Discover website. If you’re looking to apply for the “Discover it Cash Back” credit card, make sure to visit the specific section dedicated to this card. The website is user-friendly and offers a clear pathway to start your application process. If you prefer an in-person experience, you might consider visiting a Discover branch if one is available near you.

Step 2: Review the Card Details

Before starting your application, it’s crucial to understand the features and benefits of the Discover it Cash Back credit card. Look out for details such as the cash back rewards, interest rates, and any annual fees, although the Discover it Cash Back card typically has no annual fee. Also, check the bonus offer details if available, which typically requires spending a certain amount in the initial months to earn extra rewards.

Step 3: Start the Online Application

To apply online, access the application form from the Discover it Cash Back page. Here, you’ll need to provide personal information such as your full name, address, and Social Security Number. You’ll also be asked about your employment status and income details. Be prepared to include accurate and up-to-date information to avoid any processing delays.

Step 4: Submit Your Application

After filling in all the required fields, review your application to ensure there are no mistakes. Once you’re satisfied, proceed to submit your application. Discover will then process your information and assess your eligibility. This may take a short time, and you could receive an immediate response regarding your approval status.

Step 5: Await Your Card Approval

If your application is approved, Discover will send your new credit card to the address you provided. Your card will typically arrive within 7-10 business days. Upon receiving your card, follow the instructions to activate it, which will confirm your account and allow you to start making purchases.

GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE

Frequently Asked Questions About Discover it Cash Back

What is the Discover it Cash Back credit card?

The Discover it Cash Back is a popular credit card known for its 0% introductory APR on purchases and balance transfers for the first 14 months. After the introductory period, the APR will be between 17.24% and 28.24% based on your creditworthiness. A standout feature of this card is its 5% cash back on rotating quarterly categories when you activate, on up to $1,500 in purchases, and 1% unlimited cash back on all other purchases.

How does the rotating 5% cash back categories work?

The Discover it Cash Back card offers rotating 5% cash back categories every quarter. To take advantage of these categories like grocery stores, restaurants, or gas stations, you need to activate the bonus each quarter either through your online account or the Discover app. Keep in mind that the 5% cash back is limited to $1,500 in purchases per quarter. Once you reach the cap, you will receive unlimited 1% cash back on additional purchases in that category.

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

A major benefit of the Discover it Cash Back card is that it has no annual fee. This makes it an appealing choice for those looking to maximize their rewards without worrying about an additional yearly charge impacting their potential savings.

What is the Cashback Match offered by Discover?

One of the unique features of the Discover it Cash Back card is the Cashback Match, which automatically matches all the cash back you’ve earned at the end of your first year. So, if you’ve earned $200 in cash back, Discover will double it to make it $400. This bonus is only available for new cardholders in their first year.

Linda Carter

Linda Carter is a writer and financial expert specializing in personal finance and financial planning. With extensive experience helping individuals achieve financial stability and make informed decisions, Linda shares her knowledge on our platform. Her goal is to empower readers with practical advice and strategies for financial success.