How to Apply for the Discover It Cashback Card

If you want a credit card that rewards you for every purchase, while still giving you a long 0% intro APR period, the Discover It® Cashback Card is an excellent choice.

It combines the convenience of digital access with generous cashback rewards and transparent terms — making it one of the most popular choices for those who want both flexibility and financial return.

The best part? You can apply directly from your phone or computer, and once approved, you can start using your digital card instantly through your mobile wallet — fast, secure, and ready to go from day one.

Who Can Apply for the Discover It Cashback Card?

To apply, you must be at least 18 years old, have a valid U.S. address and Social Security Number, and provide a working email and phone number.

Discover’s approval process is fully digital and fair, analyzing your credit and financial history in real time.

This ensures that applicants with a solid or growing credit profile can qualify without unnecessary complications.

There’s no need to upload pay stubs or income proof — everything is automated, quick, and secure.

Step-by-Step: How to Apply for the Discover It Cashback Card

Getting your Discover It® Cashback Card is fast and straightforward:

1️⃣ Visit the Discover website — Go to discover.com/it-cashback to start your application.
2️⃣ Fill out your personal details — Enter your information for a secure, instant credit review.
3️⃣ Receive your approval decision — Most applicants get a response within minutes.

4️⃣ Review your offer — Check your APR, credit limit, and terms before accepting.
5️⃣ Start using your digital card immediately — Your Discover It® Cashback Card will be ready in your mobile wallet right after approval.

From there, you can track your spending, redeem cashback rewards, and manage your account directly from the Discover Mobile App — everything safely and conveniently in one place.

Why Choose the Discover It Cashback Card

The Discover It® Cashback Card stands out because it gives you real rewards for your everyday spending — not just convenience.

With 5% cashback on rotating categories (such as groceries, gas stations, restaurants, and Amazon.com — up to the quarterly limit when activated) and 1% unlimited cashback on all other purchases, this card turns your regular expenses into real financial benefits.

Even better, Discover automatically matches all cashback earned at the end of your first year — meaning if you earned $300 in cashback, you’ll actually receive $600.

It also offers 0% intro APR for 15 months on purchases and balance transfers, followed by a competitive variable APR based on your credit profile.

Everything is designed to make your credit experience simple, rewarding, and transparent — with no annual fee, no hidden costs, and zero liability protection against unauthorized charges.

Discover It® Cashback vs. Wells Fargo Reflect® Card

While both the Discover It® Cashback and Wells Fargo Reflect® Card offer strong features, they cater to different financial goals.

The Discover It® Cashback is focused on rewards and long-term benefits. It’s the ideal choice if you want to earn cashback on everyday purchases while still enjoying a 0% intro APR for 15 months.

The Cashback Match program — which doubles all your rewards after your first year — makes it one of the most generous reward cards on the market.

In contrast, the Wells Fargo Reflect® Card doesn’t offer cashback or rewards, but instead focuses on saving money through one of the longest 0% intro APR periods available — up to 21 months.

This makes Reflect® perfect for users who want to consolidate balances, pay off debt, or make large purchases without interest for nearly two years.

So, if your goal is to earn and save simultaneously, Discover It® Cashback gives you an advantage with real rewards and flexibility.

But if your main concern is avoiding interest entirely for the longest time possible, the Reflect® Card has the edge.

If you want to know the Wells Fargo Reflect Card, we have a complete article to help you. Check it out.

Written by

Gabriel Gonçalves