How to Apply for Discover it Cash Back Credit Card online in 2025
Discover it Cash Back Credit Card: A Smart Choice for Savvy Shoppers
Applying for a credit card today is simpler than ever, particularly when it comes to the Discover it Cash Back Credit Card. This card stands out as a top choice for those who love earning cash back on their everyday purchases. Here’s why this card could be a perfect match for your financial needs.
Maximize Your Earnings with 5% Cash Back
The Discover it Cash Back Credit Card allows you to earn up to 5% cash back in rotating categories. Picture this: by simply spending on things you already buy—like groceries, dining out, or filling up your gas tank—you earn money back. Each quarter, Discover announces new categories, which might include popular shopping outlets or essential services. For instance, one quarter might focus on restaurants and gas stations, while another might highlight grocery stores and Amazon.com. The key is to activate these categories each quarter, which can be done easily through the Discover website or app.
No Annual Fee, More Savings
An attractive feature of this card is its no annual fee policy. Unlike some credit cards that charge an annual fee—which can be upwards of $100 just for the privilege of having the card—the Discover it Cash Back allows you to keep more money in your pocket. This makes it an excellent option for anyone aiming to maximize benefits without those pesky additional costs.
Simple Online Application Process
Applying for this card is straightforward and can be done from the comfort of your own home. With a few clicks, you can access the application on the Discover website, enter your personal and financial information, and submit your application. Discover typically offers a quick response time, so you won’t be left waiting long to find out if you’re approved.
Additional Perks
- Introductory APR Offer: New cardholders may benefit from a 0% introductory APR on purchases and balance transfers for a set period, providing breathing room for major purchases.
- Cash Back Match: At the end of your first year, Discover will match all the cash back you’ve earned. For example, if you earned $200 in cash back, they will match it, giving you a total of $400.
- Access to FICO Score: Cardholders get free access to their FICO Credit Score, ensuring you’re informed and in control of your
Benefits of the Discover it Cash Back Credit Card
Flexible Cash Back Opportunities
With the Discover it Cash Back credit card, you can enjoy an impressive 5% cash back on rotating categories each quarter, such as groceries, gas stations, and restaurants, up to the quarterly maximum, once you activate. For all other purchases, you earn a solid 1% cash back. This structure encourages strategic spending where you can maximize your cash back earnings by planning ahead for the quarterly categories.
Tip: To make the most of this structure, keep an eye on the rotating categories and plan big purchases accordingly. Setting reminders can help ensure you activate your cash back each quarter.
No Annual Fee
The Discover it Cash Back card comes with the advantage of no annual fee. This means you can enjoy all the benefits of the card without any yearly cost eating into your rewards. It’s a great option for those who want to accrue cash back without the pressure of an annual charge.
Tip: Use the money you save on annual fees to reinvest in your savings or to make an extra debt payment each year.
First-Year Cash Back Match
One of the standout benefits of the Discover it Cash Back card is its unique Cash Back Match for new cardholders. At the end of your first year, Discover will automatically match all the cash back you’ve earned, effectively doubling your rewards. This means if you earn $200 in cash back during your first year, Discover will match that, resulting in a total of $400 back.
Tip: To maximize this benefit, try to use your card for most of your purchases during the first year to take full advantage of the Cash Back Match.
SIGN UP TO GET YOUR DISCOVER IT CASH BACK
Category Description Cash Back Earn 5% cash back on rotating categories like groceries and gas. Introductory Offer Enjoy 1st year cash back matching, doubling what you earn. This table highlights two key features of the “Discover it Cash Back” card that can significantly benefit users. The cash back feature is an excellent way to earn rewards on everyday spending, while the introductory offer adds extra value by amplifying the total rewards you accumulate in the first year. These benefits make it an attractive option for those looking to maximize their rewards.
Requirements to Apply for the Discover it Cash Back Credit Card
- Ensure you have a minimum credit score of 670 or higher. This reflects a good to excellent credit rating and is typically needed for card approval.
- Provide proof of a stable income. There isn’t a strict minimum income requirement, but it’s important to demonstrate the ability to make credit payments.
- Be at least 18 years old (19 in some states) and a resident of the United States to apply for this card.
- Prepare necessary documentation such as a Social Security Number and identification to verify your identity when applying.
- Be prepared to disclose your existing debt obligations, as Discover will review your overall financial situation as part of the application process.
GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE
How to Apply for the Discover it Cash Back Credit Card
Step 1: Visit the Discover Website or a Local Branch
To begin your application for the Discover it Cash Back credit card, you will need to either visit the Discover website or head to a local Discover Bank branch. If you prefer applying online, go to the official Discover credit cards page. For in-person assistance, a quick lookup will help you find the nearest branch.
Step 2: Navigate to the Credit Card Section
On the Discover website homepage, look for the credit cards section and click on the link. This will direct you to a page showcasing a variety of Discover card offerings. Here, search for the Discover it Cash Back and select it to proceed to the application page. If you are at a branch, ask a representative for the Discover it Cash Back application form.
Step 3: Fill Out the Application Form
For online applications, you will need to complete an online form. This will require your personal information such as your name, address, and social security number, as well as financial details like your income and employment status. Make sure all the information is accurate and up to date. At a branch, fill out the paper application with the assistance of a bank representative.
Step 4: Submit Your Application
After you’ve filled out the necessary details, review your application thoroughly to ensure everything is correct. Once you’re satisfied, submit the online application by clicking the submit button. For in-person applications, hand over the completed form to the bank representative.
Step 5: Await Approval or Further Instructions
After submission, Discover will review your application. This process may take a few business days. You will be notified of the outcome via mail or email. If more information is needed, Discover may reach out to you, so keep an eye on your communications from them.
SEE HOW TO GET YOUR DISCOVER IT CASH BACK
Frequently Asked Questions about Discover it Cash Back
What is the Discover it Cash Back credit card?
The Discover it Cash Back is a popular credit card known for its 5% cashback rewards on rotating quarterly categories. These categories may include popular spending areas like groceries, gas stations, restaurants, and online shopping. For all other purchases, you earn 1% cashback. This card is perfect for those who want to maximize their rewards through everyday spending.
How does the cashback program work?
With the Discover it Cash Back, you will earn 5% cashback in different categories that change each quarter, up to a specified spending cap (such as $1,500 in purchases). To get these benefits, you need to activate the categories each quarter, which can be easily done through your online account. After reaching the cap, or for purchases outside these categories, you continue to earn 1% cashback on all other spending.
Are there any annual fees with the Discover it Cash Back card?
No, there are no annual fees with the Discover it Cash Back card, making it an appealing choice for cardholders who want to earn rewards without being burdened with additional costs.
What is the introductory APR offer for the Discover it Cash Back card?
The Discover it Cash Back card often comes with a 0% introductory APR on purchases and balance transfers for the first 15 months. This can be incredibly helpful if you intend to make significant purchases or transfer a balance from a higher-interest card. After the introductory period, a variable APR applies, based on your creditworthiness.
What happens to my cashback rewards if I close the account?
If you decide to close your Discover it Cash Back account, it’s important to redeem any cashback you’ve earned before doing so, as you might lose the rewards remaining in the account upon closure. Be sure to check your rewards balance and redeem them, either as a statement credit or through other available options, before finalizing the account closing process.
