Learn how to apply for the Discover it® Cash Back Credit Card

If you're looking for cash back, this card will probably suit you. You can get 5% cash back rewards at select places throughout the year!

I’m interested in the Discover it® Cash Back Credit Card. What should I do?

Now that you’ve seen the Discover it® Cash Back Credit Card and enjoyed its benefits and cash back, it is time to apply for your card and start taking advantage of all its benefits when you shop.

You will enjoy everything at no annual fee.

CREDIT CARD

Discover it® Cash Back Credit Card

Up to 5% Cash back $0 annual fee

Apply for your Discover it® Cash Back Credit Card right now.

Apply now!

* You will be directed to an external website

Once you are approved to have your Discover it® Cash Back Credit Card, you will find it easy to use. Discover is accepted by 99% of the places across the country that take credit cards.

From there, just start collecting your cash back.

With the Discover it® Cash Back Credit Card, you’ll have:

  • 0% Intro APR for 15 months on purchases and balance transfers;
  • 3% Intro Balance Transfer Fee until February 10, 2023;
  • then 14.99% to 25.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

The 5% cash back varies by quarter. But in general, you will get it when you shop at the following places:

  • Grocery Stores and Fitness Club & Gym Memberships
  • Gas Stations and Target
  • Restaurants and PayPal
  • Amazon.com and Digital Wallets

For all other purchases, every $1 you earn in cash back is $1 you can redeem.

Also, with your Discover it® Cash Back Credit Card, enjoy Online Privacy Protection, Free Social Security number alerts, a $0 Fraud Liability Guarantee, and Turn your account on/off with Freeze it.

And best of all: your Discover it® cash back rewards never expire!

Who can apply for the Discover it® Cash Back Credit Card?

Well, a card with so many advantages is not really for everyone.

You are most likely to be approved for the Discover it Cash Back card if you have good or excellent credit, which is a credit score between 670 and 850.

Therefore, if you have not yet reached this level, you should first focus on credit building.

There is a wide variety of cards for this purpose that could help you. You can do your research, but at the end of this presentation, I will point you to a card that serves exactly that purpose.

How to apply?

You will apply on Discovery’s website by clicking on “Apply Now”.

The process is standard: fill out a form and wait to hear whether your financial profile fits the Discover it® Cash Back Credit Card criteria.

An interesting aspect of this card, if your application is approved, is that you can start earning cash back on every purchase even before your physical card arrives.

Is it worth applying for the Discover it® Cash Back Credit Card?

If you’re looking for a no-annual-fee rewards card that can earn high rewards in certain areas of spending, the Discover it® Cash Back card could be an option.

Especially if you keep a close eye on the places with 5% cash back each quarter, the Discover it® Cash Back Credit Card will be a source of satisfaction when you are shopping.

It is a great first jump into rewards-earning credit cards.

Now that you know it, it’s time to order yours.

Discover it® Cash Back Credit Card vs Credit Builder Secured Visa Credit Card

These two cards have substantially different purposes and target customers with contrasting financial profiles.

As we have seen, the Discover it® Cash Back Credit Card requires credit from good to excellent.

While the Credit Builder Secured Visa Credit Card targets people with bad credit who need to change their current financial situation by slowly and responsibly building their credit.

If your credit is not good but you liked the Discover it® Cash Back Credit Card, especially the cash back policy, consider that adopting the Credit Builder Secured Visa Credit Card now might be your first step.

So here are some of the strengths of each card briefly:

Discover it® Cash Back Credit Card pros:

  • Earn 5% cash back on everyday purchases at different places each quarter.
  • Earn 1% cash back on all other purchases.
  • No annual fee.
  • $0 Fraud Liability Guarantee.
  • 100% U.S.-based customer service, available 24/7.

Credit Builder Secured Visa Credit Card pros:

  • Set your own credit limit.
  • No application fee.
  • No over-limit fee.
  • Accepts poor credit.
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