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

Essential Insights Before Applying for the Discover It Cash Back Credit Card

The Discover It card provides up to 5% unlimited cash back on purchases made in select categories that change every three months!

The Discover It card grants up to 5% unlimited cash back on purchases in selected categories that rotate every three months!

The 5% cash back rewards are part of the Discover Cashback Calendar.

Every three months, the bank updates its list of eligible categories for the 5%, often covering common everyday expenses.

Currently, Discover It includes categories like supermarkets, pharmacies, gas stations, streaming services, and travel. For all other transactions, you earn 1% cash back.

There are several ways to redeem your cash back, such as direct deposit 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 on all cash back earned at the end of your first year.

For example, if you earn $300 in cash back, you’ll receive another $300 as a long-term bonus for cardholders.

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

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

Eligibility for Application

Discover has specific criteria, such as being a lawful resident of the U.S. with an active bank account and Social Security number.

Moreover, applicants must be at least 18 years old, or 19 in certain states.

Providing proof of your annual income is essential, as it significantly affects the determination of your credit limit.

Individuals with good to excellent credit are typically more likely to be approved for the Discover It Cash Back card, usually indicated by a credit score from 670 to 850.

Those who haven’t reached this level of credit standing should focus on enhancing their credit. There are various credit cards designed to assist in this improvement.

How to Apply for the Discover It Cash Back Card?

To start the application process, visit Discover’s website and click on the “Apply Now” button.

The website will first ask for important details, such as your ZIP code, the last four digits of your Social Security number, and your date of birth.

As you proceed with your application, Discover may ask for more contact details and income information, including your full name, address, email, phone number, and monthly income.

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

Once the application form is filled out, Discover will carry out a thorough evaluation of the credit line, including a check on the applicant’s credit score.

Additional Information

The introductory 0% APR lasts for 15 months on purchases and 3% on 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 the availability of 25 different card designs for applicants to select. Plus, the application process is generally quick.

The Discover card also offers added benefits, including online privacy protection features that can be activated through the Discover app to keep your information safe.

If your card is lost or stolen, users can easily freeze all transactions using the Freeze It feature, accessible via the app or website.

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

Interested in exploring another option?

If you’re looking for a balance transfer service to cut down on debts, the Discover It card is designed just for that.

This card also offers features that enhance security and reliability, plus you can find out how to apply.

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