How to Apply for the Discover it Cash Back Credit Card Online

The Discover it Cash Back card offers 5% cash back on rotating categories, unlimited cash back match the first year, no annual fee, and 0% intro APR for 15 months. Optimize rewards by tracking quarterly categories, using the card frequently, and transferring balances for interest-free management.

Por: Linda Carter em 7 de August de 2025

Applying for a credit card can seem daunting, but navigating the digital application process for the Discover it Cash Back card is surprisingly straightforward. This smart choice is not only convenient to apply for, but also offers impressive rewards on everyday spending categories. Imagine earning up to 5% cash back on purchases at select locations, making each swipe a step toward extra savings.

What sets the Discover it Cash Back card apart is its unique combination of no annual fee with unlimited dollar-for-dollar cashback match for the first year, doubling the rewards. And with a user-friendly online platform, you can breeze through the application, providing essential information from the comfort of your home.

As you embark on this simple online application, you’ll discover more than just a credit card; you’ll find a companion for your financial journey with tangible benefits.

Discover it Cash Back: Key Benefits

1. Earn Generous Cash Back

The Discover it Cash Back card offers a robust cash back rewards system, where users can earn 5% cash back on everyday purchases at different places each quarter, like Amazon.com, grocery stores, restaurants, and gas stations—up to the quarterly maximum each time you activate. Furthermore, you receive 1% cash back on all other purchases. Maximize your cash back by keeping track of the rotating categories and planning your quarterly purchases accordingly. This way, you can ensure that you make the most out of the 5% cash back offer.

2. Unlimited Cashback Match

One of the standout features of the Discover it Cash Back card is the Cashback Match. At the end of your first year as a cardholder, Discover will match all the cash back you’ve earned—dollar for dollar—with no limit. Think of it as a double bonus on your earnings. To maximize this benefit, use your card for as many purchases as possible during the first year.

3. No Annual Fee

Navigating your financial responsibilities can be challenging, but the Discover it Cash Back card simplifies things by offering no annual fee. This means you can enjoy all the card’s benefits without worrying about an additional yearly cost. Reducing unnecessary fees allows you to allocate your money toward other financial goals.

4. Introductory APR Offer

With an introductory APR offer, new cardholders can enjoy 0% intro APR on purchases for the first 15 months, along with a 0% intro APR for 15 months on balance transfers. Post the introductory phases, a variable APR applies. This is particularly beneficial if you plan to make large purchases or want to transfer existing balances from other cards. Leveraging this period can help in managing debts without accruing interest.

SEE HOW TO GET YOUR DISCOVER IT CASH BACK

The “Discover it Cash Back” card offers a variety of advantages that can significantly enhance the financial experience of users. One of the core features of this card is the ability to earn 5% cash back on rotating categories each quarter, such as groceries, gas stations, and restaurants, up to a certain spending limit. This means you can maximize your rewards based on your spending habits. Additionally, the card offers an unlimited 1% cash back on all other purchases, ensuring that every dollar you spend earns you something back.Another notable advantage is the no annual fee policy, allowing cardholders to reap benefits without any introductory costs. Moreover, Discover provides an incredible first-year offer where all cash back earned is matched at the end of your first year. This creates an opportunity for new cardholders to receive double the rewards for their everyday spending, making it an appealing option for those looking to maximize their savings.For individuals who value financial responsibility, the “Discover it Cash Back” card also includes features like no foreign transaction fees and robust fraud protection services. This ensures cardholders can confidently use their card while traveling abroad or making purchases online, knowing that their financial information is secure.Furthermore, Discover’s user-friendly mobile app makes it easy to manage spending, track cash back rewards, and receive personalized tips for maximizing benefits, which adds another layer of convenience for users. The combination of high cash back potential, security features, and zero annual fees makes this card a top choice for many consumers looking to manage their finances effectively while rewarding themselves in the process.

Requirements for Discover it Cash Back Credit Card

Minimum Credit Score: To increase your chances of approval for the Discover it Cash Back credit card, aim for a credit score of at least 670. A higher score can help you qualify for better terms and interest rates.
Proof of Income: Be prepared to provide evidence of a steady income. This may include recent pay stubs, tax returns, or bank statements. Insufficient income could affect your approval status.
Valid Identification: Ensure you have a government-issued ID, such as a driver’s license or passport. This verifies your identity and legal ability to apply for the credit card.
Social Security Number: You’ll need to supply your Social Security Number (SSN) for identity verification and credit evaluation. This is a standard requirement for most credit card applications.
U.S. Residency: Applicants must be legal residents of the United States. Having a stable residence demonstrates reliability to credit issuers.

How to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Discover Website

Begin your application process by heading to the Discover website. On the homepage, navigate to the section dedicated to credit cards. Here, you’ll find the option for the Discover it Cash Back credit card. Click on it to access more information about the card’s features and benefits.

Step 2: Review the Card Details

Before proceeding with the application, take a moment to thoroughly review the card details. Understand the cash back rewards, introductory interest rates, and any additional perks. Make sure the card aligns with your financial needs and goals. This step ensures you make an informed decision.

Step 3: Start the Application

Once you’re comfortable with your choice, click on the option to apply. The website will guide you through a series of forms requiring personal information such as your name, address, Social Security number, and financial details. Ensure you provide accurate information to avoid any delays in processing.

Step 4: Submit and Await Approval

After filling out the necessary information, submit your application. The bank will review your file and assess your creditworthiness. Often, you will receive a response within minutes, but sometimes, additional processing time is needed. Keep an eye on your email for any updates regarding the status of your application.

GET YOUR DISCOVER IT CASH BACK THROUGH THE WEBSITE

Step 5: Receive Your Card

If your application is approved, you’ll receive your new credit card in the mail within a few business days. Once you have it, activate the card by following the instructions that come with it. Now, you’re ready to start enjoying all the benefits and rewards that come with the Discover it Cash Back card.

Frequently Asked Questions About Discover it Cash Back

What is the Discover it Cash Back card, and how does it work?

The Discover it Cash Back is a credit card that offers cash back rewards on your purchases. It works by giving you a percentage of your purchase amount back as a reward. For instance, you can earn 5% cash back on different categories throughout the year, such as groceries, gas stations, or restaurants, up to a quarterly maximum. You also get 1% unlimited cash back on all other purchases.

How does the Cashback Match feature of Discover it Cash Back work?

The Cashback Match is a unique feature of the Discover it Cash Back card where Discover will match all the cash back you’ve earned at the end of your first year. For example, if you earned $200 in cash back during your first year, Discover will add another $200. There’s no minimum spending requirement or maximum rewards to match!

Are there any annual fees associated with the Discover it Cash Back card?

One of the benefits of the Discover it Cash Back card is that it has no annual fee. This means you can take advantage of the rewards structure without worrying about a yearly cost to keep the card open. It’s a way to save money while still earning benefits for your spending.

What credit score is needed to qualify for the Discover it Cash Back card?

To qualify for the Discover it Cash Back card, it’s generally recommended to have a good to excellent credit score, typically a score of 670 or higher. This ensures you meet the lending criteria set by Discover, increasing your chances of approval.

How does the 0% introductory APR offer work on this card?

The Discover it Cash Back card often provides a 0% introductory APR on purchases and balance transfers for a certain period, commonly 14 months from the date of account opening. This means you will not accrue interest on new purchases or qualifying balance transfers during this period, allowing you to save on interest costs. After the introductory period, a standard variable APR applies.