Discover It Cash Back – How to apply

This credit card offers convenience, security and financial versatility for all your users.

Discover it® Cash Back is one of the most popular cards for those looking to maximize their cash rewards benefits.

The card is known for not charging an annual fee, a big difference compared to other cards in the same category. 

With its intuitive rewards system and additional benefits, the Discover card is an excellent choice for consumers who value savings and simplicity.

And with acceptance in 99% of establishments in the United States, it guarantees that you can use it practically anywhere. 

How does the Discover it® Cash Back Card work?

Discover it® Cash Back works with a cashback-based rewards system, which means that a percentage of the amount spent returns as a credit to your account. 

The card’s biggest difference is its rotating cashback categories, which offer 5% return on purchases made in specific segments, such as supermarkets, restaurants and gas stations. 

However, to take advantage of this benefit, quarterly categories must be activated, and cashback is limited to US$1,500 in spending per quarter.

Another important point is the ease of redeeming rewards. The amount accumulated in cashback can be redeemed at any time, either as credit to the account, deposit into a bank account or even as a gift card. 

And the card application and activation process is simple and can be completed online or through the Discover app.

In short, Discover it® Cash Back is a robust card that combines attractive benefits with ease of use. 

Main Benefits of the Discover it® Cash Back Card

The Discover it® Cash Back card stands out in the credit card market with its robust rewards program, excellent security and practical financial management tools. 

It offers a 5% cashback rate on rotating categories like grocery stores, restaurants, and gas stations, which change quarterly and require activation. 

And all other purchases receive a fixed 1% return, which allows for a steady stream of rewards.

To complement the financial benefits, the credit card also features features like free FICO credit score monitoring and protection tools like security alerts and Dark Web monitoring. 

These perks make the card ideal not only for maximizing rewards but also for managing financial health safely and efficiently.

Another benefit in The highlight is the exclusive promotion for new users. THE programa Cashback Match™ doubles all first year rewards without requiring a minimum spend or setting maximum limits. 

And the 0% introductory APR rate for 15 months on purchases and balance transfers is a big plus.

But after this period, the rate varies between 18.49% and 27.49%, depending on the customer’s credit profile.

The absence of international transaction fees also makes Discover it® ideal for those who frequently travel abroad or make international purchases online.

Another very positive point of this card is its highly rated customer service, with personalized and fast support.

Cons of Discover it® Cash Back Card

While Discover it® has many positives, it is not perfect. One of the main drawbacks is the need to manually activate rotating cash back categories every quarter. 

Additionally, the $1,500 limit on quarterly spending for 5% cashback can be restrictive, especially for families or individuals with high monthly expenses. 

After reaching this limit, purchases in these categories only yield 1% cashback, which reduces the potential for savings.

Another weak point is the basic 1% cashback rate for purchases outside the bonus categories. 

This fee is common on many cards, there are options on the market that offer 2% or more back on all purchases, making Discover it® less competitive in this regard.

APR and Fees

Discover it® Cash Back is known for its transparency regarding the fees charged. The card has no annual fee, which is a great attraction for consumers looking for savings. 

It’s worth considering that this card doesn’t charge a foreign transaction fee, making it a great choice for international purchases.

The 0% introductory APR rate for 15 months is valid for both purchases and balance transfers. 

After this period, the APR varies between 18.49% and 27.49%, depending on the cardholder’s credit history. For balance transfers, there is an initial 3% fee, which can go up to 5% for future transfers.

Other fees include late payment penalties, which can be as high as $40. However, Discover offers forgiveness for the first late payment, which demonstrates a commitment to the customer experience.

How do I Apply for the Discover it® Cash Back Card?

Requesting Discover it® Cash Back is a simple and quick process. Interested parties can fill out the online registration form on Discover’s official website. 

In many cases, the approval decision is made in less than 60 seconds, which speeds up the process of obtaining the card.

Before applying, it is important to ensure that you meet the required credit criteria. Discover it® generally targets consumers with good to excellent credit, so it’s a good idea to check your credit score before applying.

After approval, new cardholders can start using the card digitally before even receiving the physical card. This functionality is especially useful for those who want to enjoy the benefits immediately.