Apply for Discover it Cash Back Easy Steps to Get Approved Fast

Looking to maximize your spending rewards? The Discover it Cash Back card might just be the financial companion you need. This credit card stands out for its generous cash back rewards program, offering up to 5% on rotating categories each quarter. Imagine earning substantial rewards on everyday purchases such as groceries, dining, or fuel, effectively putting money back into your pocket.

But it’s not just about the rewards. The Discover it Cash Back card also features a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, creating an enticing opportunity to boost your savings. Plus, with no annual fee, it’s a fantastic choice for those mindful about avoiding extra expenses.

Interested in discovering how easy it is to apply and get approved? Stay tuned as we unfold the steps to securing this valuable financial tool swiftly, ensuring you don’t miss out on these lucrative benefits.

Benefits of Using Discover it Cash Back Credit Card

1. Earn Cash Back on Every Purchase

The Discover it Cash Back card lets you enjoy 1% cash back on all purchases, every day. Additionally, you can earn 5% cash back on rotating categories each quarter, such as groceries, gas stations, restaurants, and more, up to the quarterly maximum when you activate. To maximize your rewards, plan your spending around the categories that offer 5% cash back each quarter.

2. First-Year Cashback Match

With Discover’s Cashback Match, you get an incredible bonus at the end of your first year. Discover will automatically match all the cash back you’ve earned in your first year, dollar for dollar. For example, if you’ve earned $200, they will double it to $400, with no limit on how much is matched. To take full advantage of this benefit, utilize your card for as many of your regular spending needs as possible.

3. No Annual Fee and Other Fees

Unlike many other credit cards, the Discover it Cash Back card comes without an annual fee. This enhances your cash back benefits even further, as you are not offsetting rewards with a high yearly charge. Additionally, there’s no foreign transaction fee, making this card a great companion for international travel.

4. Introductory APR Offer

The Discover it Cash Back card provides an introductory 0% APR for 15 months on both purchases and balance transfers. This can be highly beneficial if you’re planning to make a large purchase or want to consolidate existing credit card debt without accruing interest initially. Ensure you understand the terms around balance transfers to maximize this benefit.

5. Flexible Redemption Options

You have the flexibility to redeem your cash back in a way that suits you best. Whether you choose to apply it as a statement credit, deposit it directly into your bank account, or even use it to shop at Amazon.com, Discover makes it easy. To make the most of your cash back, consider aligning your redemption method with your financial goals, whether to reduce future bills or save for a specific purpose.

SIGN UP TO GET YOUR DISCOVER IT CASH BACK

The “Discover it Cash Back” card offers exciting features that can enhance your financial experience. With its cash back rewards system, you can effortlessly earn cash back for every dollar spent, and the rotating categories allow you to maximize your earnings. Registration for these categories is straightforward and can significantly augment your returns on grocery shopping, dining out, and much more.Another considerable benefit is the absence of an annual fee. Since many credit cards come with hefty fees, the “Discover it Cash Back” card provides a unique opportunity for users to benefit without additional costs. This makes it an enticing choice for budget-conscious consumers looking to get the most out of their spending. Whether you use the cash back rewards strategically or simply enjoy the peace of mind that comes with having a no-fee card, this option is undoubtedly worth considering.

Requirements for the Discover it Cash Back Credit Card

• Minimum Age: Applicants must be at least 18 years old. If you are younger, you will need a co-signer to qualify.
• Credit Score: A good credit score is essential. Ideally, you should have a FICO score of 670 or above to boost your chances of approval.
• Proof of Income: Be prepared to show proof of a steady income. This could be through recent pay stubs or an offer letter if you’ve just started a new job.
• U.S. Residency: You must be a legal resident of the United States to apply for the Discover it Cash Back card.
• Social Security Number: You will need to provide your Social Security Number during the application process for identity verification.

GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE

How to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Discover Website

Start your application journey by navigating to the Discover website. You can do this from the comfort of your own home using a computer or mobile device. Simply open your preferred web browser and enter the web address: www.discover.com. Once you’re on the homepage, search for the Discover it Cash Back Credit Card in the credit cards section.

Step 2: Explore the Card Features

Before diving into the application, take a moment to explore the features and benefits of the Discover it Cash Back Credit Card. This card offers a unique 5% cash back on rotating categories each quarter, up to a quarterly maximum, when you activate. Additionally, there’s 1% unlimited cash back on all other purchases. Knowing the perks can help you decide if this card suits your financial lifestyle.

Step 3: Start Your Application

To begin the application process, locate the “Apply Now” button on the Discover it Cash Back page and click it. You will be directed to fill out an online application form. Be prepared to provide personal information such as your full name, address, date of birth, and Social Security number. You’ll also need to include details about your employment and income. Having this information handy can streamline the process.

Step 4: Review and Submit

After completing the form, carefully review all your entries to ensure that everything is accurate and up-to-date. This step is crucial as any discrepancies may delay the approval process. Once you’re satisfied, submit your application. Discover might ask for additional documentation to verify your identity or income, so keep an eye on your email for any follow-up instructions.

Step 5: Await Approval

Once you’ve submitted your application, the waiting process begins. The decision might be instant, or it could take a few business days. Discover will notify you of their decision via email. If approved, your new Discover it Cash Back Credit Card will be mailed to you typically within 7-10 business days.

SIGN UP TO GET YOUR DISCOVER IT CASH BACK

Frequently Asked Questions about the Discover it Cash Back Card

What is the Discover it Cash Back card?

The Discover it Cash Back is a credit card that offers a great opportunity to earn cash back on your purchases. This card is particularly known for its 5% cash back on rotating quarterly categories like gas stations, grocery stores, restaurants, and more, on up to $1,500 in purchases each quarter. For all other purchases, you can earn 1% cash back.

How do the rotating categories work?

The Discover it Cash Back card features a unique structure where you can earn 5% cash back in different categories each quarter. To take advantage of this, you must activate the categories each quarter either online or through your Discover account. After activation, you will earn 5% cash back on your purchases in those categories, up to the quarterly maximum.

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

One of the significant benefits of the Discover it Cash Back card is that it comes with no annual fee. This means you can enjoy all the perks and rewards of the card without worrying about an additional yearly cost.

How does the cash back match work during the first year?

Discover offers a unique feature called the Cashback Match in your first year as a cardholder. At the end of your first year, Discover will match all the cash back you’ve earned. For instance, if you’ve earned $200 in cash back, Discover will match that, giving you a total of $400.

What should I consider before applying for the Discover it Cash Back card?

Before applying, consider your spending habits to ensure they align with the rotating categories. Also, maintaining a good to excellent credit score will increase your chances of approval and help you secure the most favorable terms. It’s always wise to assess the card’s features to see if they match your financial goals and lifestyle.

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.