How to Apply for Discover it Cash Back Credit Card Step-by-Step Guide

Are you ready to take control of your spending while earning rewards along the way? The Discover it Cash Back credit card might just be the perfect financial tool for you. Known for its unique rewards structure, this card allows you to earn 5% cash back on everyday purchases at different places each quarter, like Amazon.com, grocery stores, restaurants, and more, up to the quarterly maximum when you activate. Plus, enjoy unlimited 1% cash back on all other purchases, making it an attractive option for savvy spenders.

Not only does this card offer generous cash back opportunities, but it also caters to those looking for flexibility and support during their credit journey. With features like a free FICO® Credit Score and robust customer service, you’ll have the tools needed to stay on top of your credit game. Whether you’re new to credit cards or a seasoned user, understanding how to strategically apply can maximize these benefits.

The Benefits of the Discover it Cash Back Card

Earn Cash Back on Every Purchase

With the Discover it Cash Back card, every time you make a purchase, you can earn cash back. This fantastic feature allows you to accumulate cash back on all your spending. Specifically, you get 5% cash back on everyday purchases at different places each quarter, such as Amazon.com, grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum each time you activate. All other purchases earn 1% unlimited cash back automatically.

Tip: Keep an eye on the rotating categories to plan your spending and make sure you activate them each quarter for maximum rewards!

Cash Back Match at the End of Your First Year

One of the most exciting benefits is Discover’s Cashback Match. At the end of your first year as a cardholder, Discover will automatically match all the cash back you’ve earned, dollar-for-dollar. This means if you earned $200 in cash back, Discover will match it, giving you a total of $400 in cash back.

Tip: Use your card for regular purchases throughout the year to maximize the total you receive from the Cashback Match!

No Annual Fee

Many credit cards come with annual fees that can chip away at the value of the rewards you’re earning. With the Discover it Cash Back card, you’ll enjoy no annual fee, which means more money stays in your pocket. This benefit adds significant value, especially when you compare it to other cards that might charge hefty fees.

Free FICO® Credit Score

Knowing your credit score is an essential step in managing your financial health. The Discover it Cash Back card offers the benefit of viewing your FICO® Credit Score for free on your monthly statement or online account page. This allows you to monitor your credit score regularly and make informed financial decisions.

Tip: Regularly check your score and understand factors that might be impacting it, so you can take steps to improve it over time.

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This table highlights essential benefits of the Discover it Cash Back card, showcasing how it rewards users for everyday spending while maintaining a low-cost structure. The 1% cash back on non-category purchases means every transaction counts towards your rewards, and the rotating 5% categories encourage smart shopping throughout the year. Additionally, the absence of an annual fee allows you to reap these rewards without worrying about hidden costs. These features make it an appealing credit card for anyone looking to maximize their cash back potential effectively.

Requirements for Discover it Cash Back Card Application

• A minimum credit score of around 670 is typically required. This demonstrates that you have a good credit history and suggests financial responsibility, important factors in the approval process for a credit card.
• Proof of income is necessary. Applicants should have a steady source of income that supports timely payment of credit card balances. This can be your salary, wages, or any other form of steady income.
• Be a U.S. resident. The card is specifically designed for individuals residing in the United States, and you’ll need to provide a valid address within the country.
• You must have a Social Security Number (SSN). This is essential for identity verification and credit checks, which are part of the application process.
• A valid identification, such as a government-issued ID or driver’s license, is also required to verify your identity and personal details during the application.

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Steps to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Discover Website

To start your application for the Discover it Cash Back credit card, the first step is to visit the official Discover website. You can do this by opening your preferred web browser and typing www.discover.com into the address bar. Once on the homepage, navigate to the credit card section to find the Discover it Cash Back option.

Step 2: Review Card Details and Eligibility

Before applying, it is essential to understand the features, benefits, and requirements of the Discover it Cash Back credit card. Look for information about the cash back rewards, introductory APR offers, and any annual fees associated with the card. Ensure that you meet the eligibility criteria, such as having the necessary credit score and income level.

Step 3: Complete the Online Application

Once you are ready to apply, click on the “Apply Now” button for the Discover it Cash Back credit card. Fill out the online application form with accurate personal information, including your full name, address, Social Security number, and employment details. Carefully review each section to ensure all information is correct before submitting your application.

Step 4: Submit the Application and Wait for Approval

After you have completed the application, submit it by following the on-screen instructions. Discover will then review your application, and you may receive an instant decision. If additional verification is required, it might take longer. Be sure to monitor your email and mail for any correspondence from Discover regarding your application’s status.

Step 5: Receive and Activate Your Card

If your application is approved, you will receive your Discover it Cash Back credit card in the mail. When your card arrives, follow the included instructions to activate it. This allows you to start using your card for everyday purchases and enjoy the benefits of cash back rewards.

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Frequently Asked Questions about 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 known for its rewarding cash back program. Cardholders earn 5% cash back on everyday purchases at different places like grocery stores, restaurants, and gas stations each quarter up to the quarterly maximum when they activate. Plus, they earn 1% unlimited cash back on all other purchases automatically.

How does the cash back program work?

The Discover it Cash Back credit card offers a rotating cash back program, with 5% cash back on up to $1,500 in purchases in categories that change every quarter. After reaching the $1,500 limit, you still earn 1% cash back on purchases in the bonus categories, as well as on any other purchases. Remember to activate the categories each quarter to receive the 5% cash back.

Is there an annual fee for this credit card?

No, the Discover it Cash Back credit card comes with no annual fee. This means you can enjoy the card’s benefits, including cash back rewards, without having to worry about an added yearly cost. It’s a great way to maximize your savings without any hidden fees.

Are there any introductory offers associated with this card?

Yes, there are special introductory offers available for new cardholders. For instance, Discover offers a ‘Cashback Match’ where all the cash back you’ve earned during your first year will be matched at the end of your first year of card membership. For example, if you earn $200 in cash back, Discover will match it, bringing your total to $400. This is a significant benefit, especially for those who plan to utilize the card frequently in their first year.

How can I redeem the cash back I earn?

Redeeming cash back with the Discover it Cash Back card is easy and flexible. You can redeem your cash back for a statement credit, direct deposit into your bank account, or even for gift cards and charitable donations. There’s no minimum in terms of how much cash back you can redeem at any time, allowing you to use your rewards whenever it suits you best.

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 the our platform. Her goal is to empower readers with practical advice and strategies for financial success.