The Discover it Cash Back is the type of card that is perfect for people who like to make good use of the benefits of a cashback card.
In addition to customer service, first-year refund correspondence is one of the best on the market. Read this article to find out if this is the right credit card for you.
Why Choose Discover it® Cash Back?
When it comes to managing your finances with flexibility and earning rewards that add up quickly, the Discover it® Cash Back card stands out as an exceptional choice. Imagine not only making everyday purchases but also earning significant rewards for them—up to 5% cash back in rotating categories each quarter, like gas, groceries, and restaurants, all with no annual fees. The Discover it® Cash Back also offers an innovative first-year cash back match which doubles the rewards you earn in your first year with no upper limit. This is essentially free money for simply using your card responsibly.
Moreover, the benefits extend beyond just cash back. The introductory APR period allows you to tackle large purchases or existing debt without the burden of interest piling up. Coupled with free access to your FICO score, you’re equipped to navigate your credit landscape wisely and improve your score. Furthermore, having a dedicated U.S.-based customer service at your disposal means any issues can be handled promptly and effectively.
The Discover it® Cash Back card isn’t just a financial tool—it’s a gateway to smarter spending and saving. Whether you’re looking to consolidate debt with a balance transfer or simply maximize your cash back potential, applying for the Discover it® Cash Back could be your next smart financial move. Join the community of savvy spenders who not only expect more from their credit card but also get more every day.
Advantages of Discover it® Cash Back
- CASH BACK MATCH: In the first year, Discover matches all the cash back you’ve earned automatically. There’s no limit to how much is matched.
- ROTATING CATEGORIES: Every quarter, certain purchases earn 5% cash back, up to the quarterly maximum when you activate. Categories include gas stations, grocery stores, restaurants, and Amazon.com.
- NO ANNUAL FEE: This card comes without the burden of an annual fee, making it more cost-effective for regular use.
- FLEXIBLE REDEMPTION OPTIONS: Cash back can be redeemed at any amount for statement credits, direct deposits, or purchases at select retailers.
- INTRODUCTORY APR: Offers 0% APR on purchases and balance transfers for 14 months from the date of account opening, which can help with managing large purchases or debt.
- FREE CREDIT SCORE ACCESS: Cardholders have free access to their FICO Credit Score, which can be vital for monitoring and improving credit health.
- U.S.-BASED CUSTOMER SERVICE: Customer service is entirely U.S.-based, providing quality support and shorter wait times.
- SECURITY FEATURES: The card includes exceptional security features like Freeze It® which allows you to switch your account on and off, and alerts for any new accounts on your Experian credit report.
Disadvantages of Discover it® Cash Back
- LIMITED 5% CATEGORIES: The 5% cash back categories change quarterly and activation is required, which can be inconvenient if you forget to activate or the categories don’t match your spending.
- SPENDING CAPS: The 5% cash back is limited to $1,500 in purchases per quarter, which might not be sufficient for high spenders.
- LIMITED ACCEPTANCE OVERSEAS: Discover cards are not as widely accepted internationally compared to Visa or MasterCard, which can be a drawback for frequent travelers.
- HIGH STANDARD APR: After the introductory APR period ends, the standard APR can be quite high, which is costly if carrying a balance.
- REWARDS EXPIRATION: If the card is not used and there’s no activity for 18 months, the cash back rewards can expire, requiring diligent use of the card.
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