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

Applying for a credit card online can seem daunting, but the Discover it Cash Back card makes the process straightforward and rewarding. This card not only simplifies application but also offers impressive features, such as cashback on everyday purchases.
With every purchase, you earn 5% cash back in rotating categories each quarter, after activation, and 1% on all other purchases. Moreover, the card has no annual fee, making it an attractive option for savvy spenders who want to maximize their benefits without extra costs.
The Discover it Cash Back card also comes with a cashback match at the end of your first year, effectively doubling the rewards earned. Applying online is easy, secure, and gives you access to real-time updates on your application status. Experience reliable financial support and unmatched perks by choosing a card designed with the consumer in mind.
The Benefits of Discover it Cash Back Credit Card
1. Unlimited 1% Cash Back on All Purchases
The Discover it Cash Back credit card offers a straightforward unlimited cash back of 1% on all purchases. This means that every dollar you spend earns you cash back, which can quickly accumulate over time. Whether you’re buying groceries or booking a vacation, you’ll benefit from consistent cash back rewards.
2. 5% Cash Back on Rotating Categories
One of the standout features of the Discover it Cash Back card is earning 5% cash back on rotating categories. These categories change quarterly and include common spending areas like gas stations, restaurants, and Amazon.com. To maximize your rewards, keep an eye on these rotating categories and plan your purchases accordingly.
3. Dollar-for-Dollar Match at the End of Your First Year
Discover rewards new cardholders with an incredible offer: a dollar-for-dollar match of all the cash back earned at the end of the first year. This means if you earn $200 in cash back, Discover will match it, giving you a total of $400. This unique offer effectively doubles your rewards for the first year, making it a great choice for new users.
4. No Annual Fee
Many credit cards come with annual fees that can cut into your rewards. The Discover it Cash Back card comes with no annual fee, allowing you to maximize your cash back earnings without worrying about extra charges.
5. Free FICO® Credit Score and Fraud Protection
Trust in the Discover it Cash Back card is strengthened by its commitment to security and credit monitoring. Cardholders receive a free FICO® Credit Score on each monthly statement, helping you stay informed about your credit health. Additionally, Discover offers 24/7 fraud monitoring and allows you to instantly freeze your account if your card is lost or stolen, providing peace of mind.
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Requirements for Discover it Cash Back Card
- Age Requirement: You must be at least 18 years old to apply for the Discover it Cash Back credit card. This ensures that you have the legal capacity to enter into a credit agreement.
- U.S. Citizenship or Legal Residency: Applicants need to be U.S. citizens or permanent residents. This helps establish your creditworthiness and ties to the country.
- Credit Score: A good to excellent credit score is recommended. This typically means a score of 670 or higher. With a strong credit standing, you’ll be more likely to gain approval and access to better terms.
- Proof of Income: You should have a stable income source. This can be demonstrated through recent pay stubs, bank statements, or tax returns. An income source reassures the issuer of your ability to repay.
- Social Security Number: Providing a Social Security Number is essential for verifying your identity and assessing your credit history in the United States.
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How to Apply for the Discover it Cash Back Credit Card
Step 1: Visit the Discover Website
To start your application process for the Discover it Cash Back credit card, head over to the official Discover website. The platform is designed to ensure a smooth and user-friendly experience, providing all the necessary information you need. Look for the ‘Credit Cards’ section in the main menu and select the ‘Discover it Cash Back’ card.
Step 2: Carefully Review Card Details
Before proceeding with the application, it’s crucial to understand what the Discover it Cash Back card offers. It provides cash back rewards that ensure your spending contributes to future savings effortlessly. You can find details on interest rates, reward percentages, and any initial bonuses. Knowing these details allows you to make an informed decision.
Step 3: Begin Your Application Process
Once you’re on the card’s page, look for the ‘Apply Now’ button and click it to begin your application. You’ll be prompted to fill out personal information such as your name, address, and Social Security number. Ensure that you have these details ready to provide an accurate and quick application process.
Step 4: Submit the Application
After entering all required information accurately, review your application to confirm everything is correct. This is an important step to prevent any potential delays in processing. Once you are satisfied, click the ‘Submit’ button. The Discover team will then review your information and typically provide a decision within minutes.
Step 5: Await Approval and Enjoy Benefits
Once your application is approved, you will receive your Discover it Cash Back card in the mail within a few business days. With your new card, you can start enjoying the reliable support offered through cashback rewards on various purchases. The card’s benefits are designed to offer a simple and rewarding financial tool, tailored to help you grow your savings effectively.
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Frequently Asked Questions about the Discover it Cash Back Credit Card
What is the Discover it Cash Back Credit Card?
The Discover it Cash Back is a popular credit card that offers 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. You’ll earn 1% cash back on all other purchases automatically. This card is designed to provide valuable rewards, making your spending more rewarding.
How does the cash back program work?
The cash back program with the Discover it Cash Back credit card is straightforward. You earn 5% cash back on certain categories that change each quarter, up to the quarterly cap when you activate these offers. For all other purchases, you automatically earn 1% cash back. The best part is there’s no annual fee, and Discover will match all the cash back you’ve earned at the end of your first year automatically, allowing for even more savings.
Is there a foreign transaction fee with this card?
No, there is no foreign transaction fee with the Discover it Cash Back credit card. This means you can use your card for purchases outside of the United States without incurring additional charges, adding convenience and savings when traveling internationally.
What kind of support can I expect from Discover?
Discover provides 24/7 customer service to meet your needs. Whether you have a question about your account or need assistance while traveling, Discover’s representatives are always ready to help. The company also offers access to your FICO credit scores for free, allowing you to stay informed about your credit health.
What happens if my card is lost or stolen?
If your Discover it Cash Back card is ever lost or stolen, Discover offers a $0 Fraud Liability guarantee, meaning you won’t be responsible for unauthorized purchases. They also make it easy to freeze your account from a mobile app if you misplaced your card, adding a layer of security to your finances.