Discover How to Apply for the Discover It Cash Back Credit Card
Key Considerations Before Applying for the Discover It Cash Back Credit Card
The Discover It card allows you to earn up to 5% unlimited cash back on purchases in select categories that change every three months!
CREDIT CARD
Discover It Cash Back
Ready for limitless cashback? Submit your application today.
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With the Discover It card, you can earn unlimited 5% cash back on purchases in selected categories updated quarterly!
The 5% cash back is facilitated through the Discover Cashback Calendar.
Every quarter, Discover revises the qualifying categories for the 5% cash back, offering various everyday items to accommodate common purchasing habits.
Categories include grocery stores, pharmacies, gas stations, streaming services, and travel expenses. Other purchases earn a flat 1% cash back.
You can redeem your cash back rewards in several ways, like transferring to your bank account, getting statement credit, or using it for Amazon.com and PayPal purchases.
Additionally, the card matches the cash back you earn during your first year, with no cap on the amount.
For instance, if you earn $300 in cash back, you’ll receive an additional $300 as a bonus reward.
You don’t have to enroll in Cashback Match; just use your card, and the match will be applied automatically.
If you believe Discover’s Cash Back could benefit your daily life, keep reading!
Eligibility Criteria
To apply for the Discover card, you must meet certain criteria such as being a legal U.S. resident, having an active bank account, and possessing a Social Security number.
Moreover, applicants need to be at least 18 years old, or 19 in certain states.
It’s essential to provide proof of your annual income, as it plays a crucial role in determining your credit limit.
If your credit score ranges from 670 to 850, you’re more likely to get approved for the Discover It Cash Back card, which is typically granted to those with good to excellent credit.
For those who haven’t reached this credit level, it’s advisable to work on improving your credit score. There are many credit cards tailored for this purpose, providing excellent options.
How to Apply for the Discover It Cash Back Credit Card?
To begin your application, head over to the Discover website and click on the “Apply Now” button.
Upon visiting the site, users will need to provide key information such as their ZIP code, the last digits of their Social Security number, and their date of birth.
During the application, Discover may require additional contact and income information. This could include your full name, address, email, phone number, and monthly income.
Applicants might also need to submit further documents, such as proof of address and income, like recent pay stubs and bank statements.
Once the application form is submitted, Discover will carry out a comprehensive review of the credit line, including an assessment of the applicant’s credit score.
CREDIT CARD
Discover It Cash Back
GO TO OFFICIAL WEBSITE* You will be directed to an external website
Further Details
During the introductory phase, new purchases feature a 0% APR for 15 months, while balance transfers incur a 3% APR. After this period, the standard variable APR ranges from 17.24% to 28.24% for purchases, and 5% for balance transfers.
Discover also offers 25 unique card designs and an efficient application process that sets it apart.
One of the perks of using Discover is the added benefits such as online privacy protections that users can activate through the Discover app.
If your card happens to be lost or stolen, you can swiftly halt all transactions by using the Freeze It feature available in the app or on the website.
Additionally, cardholders are safeguarded against fraudulent charges for any unauthorized transactions.
Interested in a different option?
Are you seeking a better way to handle your debts through a balance transfer? The Discover It card is tailored for this need.
Explore the benefits of this card that prioritize safety and reliability, and find out how to apply.
