A Guide to Applying for the Discover It Cashback Card

If you’re looking for a credit card that rewards your spending while offering a generous introductory 0% APR, the Discover It® Cashback Card is a fantastic option.

This card merges the ease of online access with substantial cashback benefits and clear terms — making it a top choice for those seeking flexibility and financial gains.

The best part? You can apply right from your phone or computer, and once you’re approved, you can use your digital card instantly via your mobile wallet — quick, secure, and ready from the start.

Who Can Apply for the Discover It Cashback Card?

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

Discover’s approval method is completely digital and equitable, reviewing your credit and financial background in real-time.

This process makes sure that those with a solid or improving credit profile can qualify without facing unnecessary hurdles.

There’s no requirement to upload pay stubs or income verification — the entire process is automated, fast, and secure.

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

Getting your Discover It® Cashback Card is quick and easy:

1️⃣ Visit the Discover website — Head to discover.com/it-cashback to kick off your application.
2️⃣ Provide your personal information — Fill in your details for a secure, immediate credit assessment.
3️⃣ Get your approval status — Most applicants receive a decision within minutes.

4️⃣ Review your offer — Take a look at your APR, credit limit, and terms before saying yes.
5️⃣ Start using your digital card right away — Your Discover It® Cashback Card will be activated in your mobile wallet immediately after approval.

From there, you can monitor your spending, redeem cashback rewards, and manage your account directly through the Discover Mobile App — all securely and conveniently in one spot.

Why Choose the Discover It Cashback Card

The Discover It® Cashback Card is exceptional as it provides you with genuine rewards for your daily expenditures — rather than just convenience.

Enjoy 5% cashback on changing categories (like groceries, gas stations, dining, and Amazon.com — up to the quarterly cap when activated) and 1% unlimited cashback on all other purchases, making this card a valuable asset for turning regular expenses into true financial gains.

What’s even more appealing is that Discover will match all cashback earned at the end of your first year — so if you’ve earned $300 in cashback, you’ll end up receiving $600.

This card also provides a 0% introductory APR for 15 months on both purchases and balance transfers, transitioning to a competitive variable APR based on your credit score afterward.

Every aspect is crafted to ensure your credit experience is straightforward, rewarding, and clear — featuring no annual fee, no hidden charges, and zero liability protection against unauthorized transactions.

Discover It® Cashback vs. Wells Fargo Reflect® Card

Both the Discover It® Cashback and Wells Fargo Reflect® Card provide excellent features, but they target distinct financial objectives.

The Discover It® Cashback prioritizes rewards and long-term advantages. It’s perfect for those who wish to earn cashback on regular purchases while enjoying a 0% introductory APR for 15 months.

The Cashback Match initiative — which doubles your rewards after the first year — positions it as one of the most generous rewards cards available.

On the other hand, the Wells Fargo Reflect® Card doesn’t provide cashback or rewards, instead emphasizing saving money with one of the longest 0% introductory APR periods — up to 21 months.

This makes the Reflect® card ideal for those looking to consolidate balances, lower their debt, or make significant purchases without interest for nearly two years.

Therefore, if your aim is to earn rewards while saving, Discover It® Cashback provides significant benefits with real rewards and flexibility.

However, if your priority is to avoid interest for the longest duration possible, the Reflect® Card has the advantage.

If you’re interested in learning more about the Wells Fargo Reflect Card, we have a comprehensive article available for you. Take a look.