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

Heading: “Important Information to Consider Before Applying for the Discover It Cash Back Credit Card”

The Discover It credit card provides an opportunity to earn up to 5% unlimited cash back on purchases within specific categories that are rotated every three months by Discover!

The Discover It card provides a chance to earn unlimited 5% cash back on purchases within specific categories selected every three months by Discover!

The rewards equivalent to 5% cash back are delivered through the Discover Cashback Calendar.

Once every quarter, the bank updates a list of qualifying categories for the 5% cashback reward, with frequent changes to include everyday categories in order to cater to the most common purchases.

Hence, Discover It has already designated categories including supermarkets, drugstores, fuel stations, streaming platforms, and travel. A 1% unlimited cash back is offered for all other purchases.

Multiple options exist for redeeming cash back rewards, such as transferring it directly to your bank account, applying it as a statement credit, or using it for Amazon.com and PayPal purchases.

Moreover, the credit card offers a match of all cash back received by the cardholder at the end of the first year, with no limits.

For example, in case you accumulate $300 in cashback, you will also get an extra $300 as a kind of extended perk for clients.

You don’t need to sign up for Cashback Match; just make purchases with the card, and the unlimited match will be applied automatically.

If you think that Discover’s Cash Back program could enhance your daily routine, read on.

Eligible Applicants

To qualify for Discover, you must meet certain criteria, such as being a legal resident of the United States, possessing an active bank account, and having a Social Security number.

In addition, individuals must be 18 years of age or older, or 19 in specific states.

When it comes to income, it is essential to present documentation of yearly earnings as this factor significantly impacts the decision on the credit limit.

Approval for the Discover It Cash Back card is usually granted to those with a solid credit history, often indicated by a credit score between 670 and 850.

Therefore, people who have not achieved this level of creditworthiness are encouraged to focus on enhancing their credit. There are various credit cards designed specifically for this goal, offering suitable choices.

What is the Process to Request the Discover It Cash Back Credit Card?

To initiate the application process, please go to the Discover website and choose the “Apply Now” button.

At first, users will be asked to provide essential details on the website, including their ZIP code, the final digits of their Social Security number, and their date of birth.

Throughout the application process, Discover may ask for more contact information and income details, such as the applicant’s name, address, email, phone number, and monthly earnings.

As part of this procedure, individuals may need to submit additional paperwork, like evidence of their residency and financial status, such as recent pay slips and bank statements.

After the form is filled out, Discover performs a thorough evaluation of the credit limit, which involves checking the applicant’s credit score.

Additional Information

The introductory period for the 0% APR covers 15 months for purchases and 3% for balance transfers. After this period, the standard variable APR for purchases varies from 17.24% to 28.24%, and 5% for balance transfers.

Discover sets itself apart by offering a selection of 25 exclusive card designs for individuals to choose from. Additionally, the application procedure is known for being quick and efficient.

The Discover card offers extra benefits, like online privacy protection features to protect your information, that can be accessed through the Discover app.

Should your card go missing or get stolen, individuals have the option to quickly prevent all transactions by activating the Freeze It function. This can be done by simply turning the on/off button within the app or website.

In addition, users of the card receive protection against fraud liability for any unauthorized purchases made.

Interested in discovering an alternative?

If you are looking to save on debts with a balance transfer service, Discover It has a card designed for that specific purpose.

The card offers additional perks for enhanced security and peace of mind, while details on how to apply can be found below.

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