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

Essential Insights Before You Apply for the Discover It Cash Back Credit Card

The Discover It card provides an impressive 5% cash back on select purchases across various categories updated every three months by Discover!

This card gives you up to 5% cash back on purchases in select categories updated every three months!

Your 5% cash back rewards are tracked through the Discover Cashback Calendar.

Every quarter, Discover unveils new eligible categories for the 5% cashback, often featuring everyday spending areas to maximize benefits.

Categories may include supermarkets, drugstores, gas stations, streaming services, and even travel. For everything else, you earn 1% cash back.

Cash back can be redeemed in various ways: direct deposit to your account, as a statement credit, or for purchases on Amazon or PayPal.

Additionally, at the end of your first year, you’ll receive an unlimited dollar-for-dollar match on all cash back earned during that period.

For example, if you earn $300 in cash back, Discover will give you another $300 as a long-term bonus.

There’s no need to enroll for Cashback Match; just use your card, and the match will be automatically applied.

If you think Discover’s Cash Back could enhance your everyday spending, keep reading.

Eligibility Criteria for Applicants

Discover has certain criteria, including being a legal resident of the U.S. with an active bank account and Social Security number.

You also need to be at least 18 years old, or 19 in some states.

When it comes to your income, presenting proof of your annual earnings is essential, as this significantly impacts the determination of your credit limit.

Getting approved for the Discover It Cash Back card is more attainable for those with good or excellent credit, usually indicated by a credit score between 670 and 850.

Thus, individuals who have not yet reached this creditworthiness are encouraged to focus on enhancing their credit scores. There are various cards specifically designed to help with this.

What Is the Process to Apply for the Discover It Cash Back Credit Card?

To initiate the application process, head over to Discover’s website and click on the “Apply Now” button.

At first, the site will ask users to enter required information, including their ZIP code, the last four digits of their Social Security number, and their birth date.

As the application continues, Discover may ask for more contact info and income details, including the applicant’s full name, address, email, phone number, and monthly income.

During this stage, applicants might need to provide supporting documents, like proof of residency and income, such as recent pay stubs and bank statements.

Once the form is filled out, Discover performs a thorough evaluation of the credit line, including a review of the applicant’s credit score.

Additional Information

The introductory APR of 0% lasts for 15 months on purchases and 3% on balance transfers. After this period, the variable APR will be between 17.24% to 28.24% for purchases and 5% for balance transfers.

One unique aspect of Discover is its offer of 25 distinct card designs for applicants to select from. Additionally, the application process is very quick.

The Discover card also comes with extra benefits, such as online privacy protection features to secure your information, which can be activated through the Discover app.

If the card is lost or stolen, users can easily block all transactions using the Freeze It feature, which is accessible via the on/off toggle in the app or website.

Additionally, cardholders enjoy fraud liability protection against unauthorized transactions made using the card.

Interested in another option?

If you’re looking for a balance transfer service to help manage your debts, Discover It has a card designed just for that.

This card also offers security and reliability benefits, and you can find out how to apply.

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