How to apply to Discover it Cash Back Credit Card

The Discover it Cash Back credit card allows cardholders to earn generous cash back rewards on everyday purchases.

By activating rotating 5% cash back categories each quarter and taking advantage of unlimited 1% cash back on other transactions, this no-annual-fee card can help maximize savings.

Introduced by Discover Financial Services in 1986, the Discover it® line of credit cards aim to provide simple cash back rewards to consumers. The Cash Back card specifically features category bonuses and an unlimited matching program to help cardholders earn more.

Benefits of Discover it Cash Back Credit Card

The Discover it Cash Back credit card comes packed with valuable benefits that can save cardholders money and earn them rewards. By taking advantage of all its perks, customers can maximize the value they get from the card. Here’s an overview of some of the top benefits cardmembers can unlock with Discover it® Cash Back:

• 5% cash back on rotating quarterly categories (up to quarterly maximum, activation required)
• Unlimited 1% cash back on other eligible purchases
• Discover will match all cash back earned after 12 months
• 0% Intro APR for 15 months on purchases and balance transfers
• No annual fee

Prerequisites

While approval requirements can vary, there are a few key qualifications to meet if you want to apply for the Discover it Cash Back credit card.

First, Discover recommends applicants have a minimum credit score of 700. This card is looking for applicants with good to excellent credit history. Having a higher credit score signals responsible usage and on-time payments with other credit accounts.

It’s also important to have a consistent income stream when applying for the Discover card. Proof of income will be required during the application process, whether through pay stubs, tax documents, or other statements. Stable income represents your ability to make the required minimum payments.

Finally, one must meet eligibility requirements per federal law to open a credit card account. This includes being at least 18 years old and having a United States mailing address, as well as agreeing to terms, conditions, and account policies.

Meeting these prerequisites indicates you’ll be a trustworthy cardholder able to handle monthly payments. Having them in order can lead to approval for the excellent cash back, intro rates, and perks offered by Discover.

Who is this card for?

The Discover it Cash Back card is a great option for anyone looking to earn cash back rewards with no annual fee. It’s best suited for those who enjoy tracking category bonuses and adjusting spending habits each quarter. Families, couples, and individual cardholders who spend routinely at popular gas stations, restaurants, grocery stores, and retail shops can maximize the 5% cash back categories.

Since the quarterly category rewards have caps, big spenders can also benefit from the unlimited 1% cash back earnings. Those with larger budgets across many categories can combine category bonuses with flat-rate unlimited earnings. This card is also a smart choice for people who want a lengthy 0% intro APR period for purchases and balance transfers.

Step by step to apply for the Discover it Cash Back card

You can apply for the Discover it Cash Back credit card online in just a few minutes:

1. Go to Discover’s application page
2. Provide personal information including name, address, date of birth, and Social Security Number to begin the application
3. Confirm application details like income, housing expenses, contact info etc.
4. Accept terms and conditions digitally
5. Submit application and wait for an instant decision from Discover
6. Verify identification if prompted after approval

TAP HERE TO APPLY TO DISCOVER IT CASH BACK CREDIT CAR

Positives and Negatives of the Discover it Cash Back Card

The Discover it® Cash Back card certainly has some excellent perks. The opportunity to earn 5% cash back in important spending categories each quarter can really add up over time. Combining category bonuses with 1% unlimited earnings makes this a very rewarding no-annual-fee cash back card. New cardmembers also get a dollar-for-dollar match after the first year, essentially doubling rewards. A lack of foreign transaction fees and 0% intro APR are nice perks too.

However, there are some negatives to consider as well. The rotating 5% categories require activation each quarter – so this card involves more effort than simple flat-rate cash back cards. You’ll need to set calendar reminders and routinely check spending limits. The regular purchase and balance transfer APR is also quite high, from 17.24% – 28.24% variable. That APR kicks in after the intro period ends.

How to unlock the Discover it Cash Back card

Follow these steps once you receive your new Discover credit card in the mail:

1. Call the number on the sticker found on the front of your card. This is typically 1-800-347-2683.
2. Verify your identity by providing personal information like SSN, date of birth, etc.
3. Choose a 4-digit PIN number to use with the card at ATMs and merchants
4. Your card will now be unlocked and ready to activate whenever you’re ready to start using it

Fees & Interest Rates

Here are the main costs to be aware of with the Discover it® Cash Back card:

• No annual fee
• 0% intro APR for 15 months on purchases & balance transfers
• 17.24% – 28.24% variable APR after the intro period
• 3% intro balance transfer fee (up to 5% fee after intro period)
• Up to $41 late fee
• Cash advance fee of $10 or 5% of the amount

About Discover

Discover Financial Services launched in 1986 as a subsidiary of Dean Witter and Morgan Stanley. It began offering the Discover credit card and merchant services before becoming an individual publicly traded company in 2007. The Discover it line of credit cards launched in 2010.

Today, Discover has over 50 million cardmembers. It offers credit cards, banking, personal loans, student loans and more. Discover is now one of the largest credit card issuers in the United States. Its cards do not charge annual fees or overlimit fees and come with free FICO scores for members.

To manage your new account, download the Discover mobile app for Android and iOS.

TAP HERE TO DOWNLOAD THE DISCOVER MOBILE APP ON IOS

TAP HERE TO DOWNLOAD THE DISCOVER MOBILE APP ON ANDROID

Customer Service

Discover it® cardholders have access to customer service 24/7:

• Phone: 1-800-347-2683
• Online chat
• Website

Discover other credit cards in our website, like the How to apply to Discover It Miles Credit Card