At the very least, Discover it Cash Back is a solid option when it comes to rewards credit cards. Offering 5% cash back on all daily purchases in different places each quarter, with a quarterly maximum of $1,500 in spend when activated.
Discover it® Cash Back
No annual fee Credit BuildingAnd at the end of the first year, Discover will match all cash received back for the entire year as a cardholder, an offer that doesn’t even compare to most traditional cashback credit card offers. The Discover it Cash Back also does not charge any annual fee (uncommon among cards in the current market).
Other card details
As for minimum cashback redemption amounts Discover it Cash Back does not define a minimum redemption amount, so any amount purchased can be used without any problem.
It also offers a 0% introductory APR for 15 months for eligible purchases and balance transfers. There are no annual fees and their 0% introductory period on purchases and transfers is one of the best on the market.
After this period, a variable fee of 14.99% to 24.99% is applied and a 5% fee is applied to balance transfers made on the Discover card (5% of the transferred amount).
The Discover it Cash Back also offers several rewards and some bonuses, being: 5% cash back for purchases in different places each quarter like Amazon.com, grocery stores, gas stations, etc., and when you pay using PayPal, up to the maximum quarterly after activating it you receive 1% cash back on all other purchases.
Learn more about Discover it Cash Back Credit Card
At the end of the first year as a cardholder, Discover it Cash Back will match all cash back earned at the end of the first year as a cardholder. There are no minimum spends or minimum rewards.
Cashback can be redeemed at any time regardless of minimum amounts in the form of credit or statement or electronic deposit. The refund can also be redeemed directly on Amazon or PayPal. and your cashback rewards never expire.
Other Benefits of the Card
- If you lose your card, Discover provides quick options to freeze it. Direct card on/off functionality is available to cardholders through the Discover app or online.
- Monthly Credit Score: You can always see your FICO credit score via the Discover app or website. It is listed on your monthly statements.
- Dark Web Monitoring: According to Discover, it keeps an eye on the Dark Web, an unregulated portion of the internet where hackers abound and private information is for sale. If a cardholder’s Social Security number is discovered on the Dark Web, Discover will notify them for free.
- Fraudulent charges made on a card will not subject the cardholder to any liability.
Learn how to apply
Applying for the Discover it® Cash Back card is a straightforward process, and this guide is designed to help you navigate it with ease.
- Step 1: Check Eligibility Before applying, ensure you meet the eligibility criteria. This typically includes being 18 years or older, having a U.S. social security number, and possessing a fair to good credit score.
- Step 2: Research Benefits Understand the card’s features. The Discover it® Cash Back offers rotating quarterly categories that allow you to earn 5% cash back (on up to $1,500 in purchases, then 1%). Additionally, Discover matches all the cash back you’ve earned at the end of your first year.
- Step 3: Gather Necessary Information Prepare personal information such as your social security number, annual income, and employment details. This ensures a smooth application process.
- Step 4: Apply Online Visit Discover’s official website to apply. The process is user-friendly, with clear instructions and prompts to guide you.
- Step 5: Await Approval After submitting your application, it typically takes a few minutes to a few days to receive a decision. If approved, your card will be mailed to you.
Conclusion
Applying for the Discover it® Cash Back card is simple. With its lucrative cash back program and first-year matching, it’s a great option for those seeking a rewarding credit card experience. Remember, always use credit responsibly.
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