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Learn How to Apply for the Discover It Cash Back Credit Card

Discover It Cash Back is a highly efficient credit card that offers comprehensive day-to-day management with a 5% benefit. How do I apply?

What do You Need to Know Before Applying for the Discover It Cash Back Credit Card?

The Discover It card offers up to 5% unlimited cash back on purchases in selected categories chosen every three months by Discover!

CREDIT CARD

Discover It Cash Back

5% on selected categories 1% on all purchases 100% cashback match Unlimited rewards

Want unlimited cash back? Apply now.

GO TO OFFICIAL WEBSITE

* You will be directed to an external website

The Discover It card offers up to 5% unlimited cash back on purchases in selected categories chosen every three months by Discover!

The 5% cash back rewards come in the form of the Discover Cashback Calendar.

Every 3 months, the bank releases a set of eligible categories for the 5%, often varying to encompass everyday categories as the benefit aims to cover the most common purchases.

Therefore, Discover It has already selected categories such as supermarkets, pharmacies, gas stations, streaming services, and even travel. For all other purchases, unlimited cash back is 1%.

There are various methods available for cash back redemption, including direct deposit to your bank account, applying it as a credit on your statement, or using it for purchases on Amazon.com and PayPal.

Furthermore, the card provides an unlimited dollar-for-dollar match of all cash back received by the cardholder at the end of the initial year.

For instance, if you earn $300 in cash back, you’ll receive an additional $300 as a sort of long-term bonus for customers.

Enrollment for Cashback Match isn’t necessary; simply use the card for purchases, and the unlimited match will be automatically applied.

If you believe that Discover’s Cash Back could benefit your daily life, continue reading.

Who can Apply?

See how to receive up to 5% cash back. Photo by Freepik.

Discover has specific requirements, including being a lawful resident of the United States with an active bank account and Social Security number.

Furthermore, it’s necessary to be an adult aged 18 or older, or 19 in certain states.

Regarding income, providing proof of annual earnings is crucial, as this detail heavily influences the credit limit determination.

Approval for the Discover It Cash Back card is more likely for individuals with good or excellent credit, typically reflected by a credit score ranging from 670 to 850.

Hence, individuals who haven’t yet attained this level of creditworthiness are advised to concentrate on improving their credit. There are several cards tailored for this purpose, providing viable options.

How do I Apply for the Discover It Cash Back Credit Card?

To begin the application procedure, navigate to Discover’s website and select the “Apply Now” option.

Initially, the website will prompt users to input necessary information, such as their ZIP code, the last digits of their Social Security number, and their date of birth.

As the application progresses, Discover may request additional contact details and income-related information, including the applicant’s full name, complete address, email address, phone number, and monthly earnings.

Throughout this process, applicants may be required to provide supporting documentation, such as proof of residency and income, such as recent pay stubs and bank statements.

Upon completion of the form, Discover conducts a comprehensive assessment of the credit line, which includes a review of the applicant’s credit score.

CREDIT CARD

Discover It Cash Back

Privacy protection Free alerts Freeze It system Fraud liability

Liked the card? Apply now.

GO TO OFFICIAL WEBSITE

* You will be directed to an external website

More Details

The initial 0% APR introductory period spans 15 months for purchases and 3% for balance transfers. Following this timeframe, the standard variable APR ranges from 17.24% to 28.24% for purchases and 5% for balance transfers.

One distinctive feature of Discover is its provision of 25 unique card designs for applicants to choose from. Furthermore, the application process is notably swift.

The Discover card provides additional perks, such as online privacy protection measures to safeguard your information, which can be activated via the Discover app.

In the event of card loss or theft, users can swiftly block all transactions using the Freeze It feature, accessible by toggling the on/off button within the app or website.

Moreover, cardholders benefit from fraud liability protection for unauthorized purchases made with the card.

Want to learn another option?

If your focus is on a balance transfer service to save on debts, Discover It offers a card specifically tailored for that purpose.

And the card also comes with benefits to provide security and reliability, and you can see how to apply.

Gabriel Gonçalves
Written by

Gabriel Gonçalves