Discover the Steps to Apply for the Discover It Cash Back Credit Card
The Discover It Cash Back card is an incredibly effective credit option that provides thorough daily oversight with a rewarding 5% cash back. What steps should I take to apply?
Key Insights Before Applying for the Discover It Cash Back Credit Card
The Discover It card provides an incredible 5% unlimited cash back on purchases made in selected categories that Discover updates quarterly!
CREDIT CARD
Discover It Cash Back
Get unlimited cash back! Apply today.n
GO TO OFFICIAL WEBSITE* You will be directed to an external website
The Discover It card provides an incredible 5% unlimited cash back on purchases made in selected categories that Discover updates quarterly!
The 5% cash back rewards are managed via the Discover Cashback Calendar.
Every three months, the bank unveils a list of eligible categories for the 5%, which typically varies to include common everyday expenses.
Categories already selected by Discover It include supermarkets, pharmacies, gas stations, streaming services, and even travel. For everything else, you earn 1% unlimited cash back.
You can redeem cash back in various ways, like direct deposits to your bank, applying it as a credit on your statement, or using it for purchases on Amazon.com and PayPal.
Additionally, the card offers an unlimited dollar-for-dollar match of all cash back earned by the cardholder at the end of the first year.
For example, if you accumulate $300 in cash back, you’ll receive an additional $300 as a long-term bonus.
There’s no need to enroll for the Cashback Match; just use your card for purchases, and the unlimited match is automatically applied.
If you think Discover’s Cash Back could enhance your daily spending, keep reading on.
Who is Eligible to Apply?
Discover has specific eligibility criteria, which include being a legal resident of the United States with a valid bank account and Social Security number.
Moreover, applicants must be at least 18 years old, or 19 in some states.
When it comes to your income, showing proof of your yearly earnings is essential, as it plays a significant role in determining your credit limit.
People with solid or excellent credit—typically those with scores between 670 and 850—are more likely to get approved for the Discover It Cash Back card.
Therefore, those who haven’t reached this credit level yet should focus on enhancing their credit scores. There are various cards available specifically designed for this purpose.
How to Apply for the Discover It Cash Back Credit Card?
To start the application process, visit Discover’s website and click on the “Apply Now” button.
At first, the site will ask users to provide some essential details, including their ZIP code, the last digits of their Social Security number, and their birth date.
As the application continues, Discover might need extra contact information and income details, such as the applicant’s full name, address, email, phone number, and monthly income.
During this application phase, applicants may have to submit supporting documents, like proof of residence and income, which can include recent pay stubs and bank statements.
After the application form is filled out, Discover will perform a thorough evaluation of the credit line, including a check of the applicant’s credit score.
CREDIT CARD
Discover It Cash Back
Liked the card? Apply now.n
GO TO OFFICIAL WEBSITE* You will be directed to an external website
Additional Information
The introductory 0% APR lasts for 15 months on purchases and 3% on balance transfers. After this period, the typical variable APR is between 17.24% and 28.24% for purchases, and 5% for balance transfers.
A unique aspect of Discover is that it offers 25 different card designs for applicants to choose from. Additionally, the application process is quite fast.
The Discover card comes with extra benefits, such as online privacy protection features to keep your data safe, which can be activated through the Discover app.
If your card is lost or stolen, you can quickly block all transactions using the Freeze It feature, which you can access through the app or website.
Additionally, cardholders enjoy protection against fraud for unauthorized charges made with their card.
Curious about another option?
If you’re looking for a balance transfer option to ease your debt, the Discover It card is designed just for that.
This card also offers various benefits for security and peace of mind, and you can find out how to apply.
