Learn How to Apply for the Discover It Cash Back Credit Card
Explore the Discover It Cash Back card, a fantastic option for everyday financial management that rewards you with a 5% cash back. What’s the application process like?
Essential Insights Before You Apply for the Discover It Cash Back Credit Card
The Discover It card provides up to 5% unlimited cash back on purchases across various categories that Discover updates every three months!
CREDIT CARD
Discover It Cash Back
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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 are outlined in the Discover Cashback Calendar.
Every three months, eligible categories for the 5% cash back are announced, often changing to reflect everyday spending needs.
Discover It often includes categories like supermarkets, pharmacies, gas stations, streaming services, and travel. For all other purchases, you’ll earn 1% cash back.
You can redeem your cash back in various ways: through direct bank deposits, as credits on your statement, or for purchases on Amazon.com and PayPal.
Additionally, the card offers an unlimited dollar-for-dollar match on all cash back earned at the end of the first year.
For example, if you earn $300 in cash back, you’ll receive an extra $300 as a bonus for loyal customers.
No need to enroll for the Cashback Match; just make purchases, and the match will be applied automatically.
If you think Discover’s Cash Back could enhance your daily spending, keep reading.
Who is Eligible to Apply?
Discover has particular criteria, which include being a legal U.S. resident with an active bank account and a Social Security number.
Moreover, applicants must be at least 18 years old, or 19 in some states.
When it comes to income, demonstrating your annual earnings is essential, as this factor significantly impacts the determination of your credit limit.
Individuals with strong or excellent credit are more likely to get approved for the Discover It Cash Back card, usually indicated by a credit score between 670 and 850.
Therefore, those who haven’t reached this credit level should focus on boosting their credit profile. There are various cards available that cater to this need, offering practical options.
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 you to provide essential details, like your ZIP code, the last four digits of your Social Security number, and your date of birth.
As you continue with the application, Discover may ask for further contact details and information about your income, including your full name, complete address, email, phone number, and monthly income.
During this procedure, you might need to submit supporting documents, such as proof of residence and income, like recent pay stubs and bank statements.
After you finish filling out the form, Discover will perform a thorough evaluation of your credit line, which includes examining your credit score.
CREDIT CARD
Discover It Cash Back
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Additional Information
The introductory 0% APR lasts for 15 months on purchases and 3% for balance transfers. After this period, the standard variable APR will be between 17.24% and 28.24% for purchases and 5% for balance transfers.
A unique aspect of Discover is its offering of 25 distinct card designs for applicants to select from, plus a notably quick application process.
The Discover card also includes additional 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 easily block all transactions using the Freeze It feature, available by toggling the on/off switch in the app or on the website.
Additionally, cardholders enjoy protection against fraud for any unauthorized transactions made with their card.
Interested in exploring another choice?
If you’re looking for a balance transfer option to manage your debts, the Discover It card is designed just for that.
This card also offers features that enhance security and dependability, plus guidance on how to apply.
