The Discover it® Cash Back Credit Card offers a rewarding experience with a multitude of benefits. With a solid 4.7 average rating based on 33,648 reviews, cardholders praise its outstanding cash back rewards, excellent customer service, and the flexibility to choose from 25 colorful designs.
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Earn 5% cash back on everyday purchases at different places each quarter, such as grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when activated. The cash back never expires, and for every dollar earned, you get a dollar to redeem, providing a straightforward and transparent reward system.
Main information about the Discover it® Cash Back Card
The Discover it® Cash Back Card features a variety of highlights that make it appealing to consumers. Some of the key highlights include:
Generous Cash Back Rewards
Enjoy 5% cash back on everyday purchases at rotating categories like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when activated.
Transparent Redemption
Earned cash back is straightforward to redeem, with $1 cash back equivalent to $1 to spend. The redemption process is simple, providing a clear and user-friendly experience.
No Annual Fee
The card offers a wealth of benefits without any annual fees, making it an attractive option for those seeking rewards without additional costs.
Security Features
The Discover it® Cash Back Credit Card prioritizes security with a $0 Fraud Liability Guarantee, ensuring cardholders are not held responsible for unauthorized purchases. The Freeze it® switch on the mobile app adds an extra layer of security, allowing users to quickly turn their account on/off to prevent unauthorized transactions.
Introductory APR
Benefit from a 0% Intro APR for 15 months on both purchases and balance transfers, with a 3% Intro Balance Transfer Fee until May 10, 2024. This feature is advantageous for those looking to make significant purchases or transfer balances without incurring interest.
Requirements for obtaining the Discover it® Cash Back Card
The Discover it® Cash Back Credit Card is ideally suited for:
Fit for Your Lifestyle If:
- Cash Back Enthusiasts
Individuals who prioritize earning cash back on their everyday purchases will find the rotating 5% cash back categories a lucrative feature.
- Cost-Conscious Consumers
The card’s “No Annual Fee” policy makes it an excellent choice for those who want to maximize rewards without incurring additional costs.
- Balance Transfer Seekers
With a 0% Intro APR for 15 months on both purchases and balance transfers, this card is advantageous for those looking to consolidate balances or make substantial purchases without immediate interest charges.
- Security-Conscious Users
The card’s security features, including the $0 Fraud Liability Guarantee and the Freeze it® switch for account control, appeal to individuals who prioritize safeguarding their financial information.
Not Your Ideal Match If:
The Discover it® Cash Back Credit Card may not be the ideal choice for the following individuals:
- Frequent Travelers
If your spending patterns are primarily focused on travel-related expenses, a travel rewards credit card might offer more benefits and higher rewards for your specific needs.
- Fixed Category Spenders
Individuals who consistently spend in specific categories that don’t align with the rotating 5% cash back categories may not maximize the card’s rewards potential.
How to apply
Here is a detailed step-by-step guide on how to apply for the Discover it® Cash Back Credit Card:
- Visit Discover’s Official Website: Go to the official Discover website using your web browser.
- Navigate to Credit Cards Section: Once on the website, locate the “Credit Cards” section. You may find this in the main navigation menu or as a prominent feature on the homepage.
- Explore Discover it® Cash Back Card: Within the credit cards section, look for the Discover it® Cash Back Credit Card. Click on the card to access detailed information.
- Review Card Details: Take the time to thoroughly review the card details, including cash back rewards, features, fees, and any promotional offers.
- Click on “Apply Now”: If you decide to proceed, click on the “Apply Now” button. This will initiate the application process.
- Provide Personal Information: You’ll be directed to a secure application page where you’ll need to provide personal information. This includes your full name, address, date of birth, Social Security number, and employment details.
- Submit Application: Once you’ve completed all required fields and reviewed your information, submit the application. The system will typically prompt you to confirm your submission.
- Receive Decision: If approved, you’ll receive details about your credit limit and other important information. If declined, Discover will provide information on the reasons for the decision.
- Receive Your Card: If approved, your Discover it® Cash Back Credit Card will be sent to the address you provided during the application process. Activation instructions will be included.
