How To Apply For Discover It® Cash Back Credit Card

Do you want a cash back card that can provide you with excellent cash back rewards? Are you looking for a card with A 0% APR on balance transfers and purchases? If yes, then you can opt for the Discover it Cash Back credit card. This card is recognized as one of the best cash back rewards cards in 2018 by the J.D. Power in terms of customer satisfaction. The best part is you can get this card whether you have an excellent credit history or an average credit history. In this guide, we will discuss how you can apply for this card and we will also show you the perks and other highlights of this account.

Special Offers And Programs

For the new applicants, Discover offers a promotion by which they can double their cash back at the first year’s end of their card membership. During the 1st year, this card offers exceptional savings, that is hard to beat by any other cash back credit card around. Keeping this in mind, the effective rate of the cash back during your 1st year could be at 2%. This is why the Discover it® Cash Back is recognized as one of the finest cash back rewards cards. When we talk about the first year, then this card even beat its biggest competitors, such as Citi Double Cash.

Another special perk that the cardholders would enjoy is the Discover Deals Program. This is an online retail portal by the company that the cardholders can access and make purchases from the other vendors while becoming eligible for the additional cash back. A retailer can include the places, such as Macy’s, Best Buy, and Apple Store. For more details on this program, you can access their official website.

Discover It® Cash Back Credit Card Features And Benefits

With this cash back rewards card, you can earn anywhere between 1% – 5% cash-back on the purchases that you make. On the select bonus categories, you would earn 5% on quarterly maximum. You will earn 1% cash back on any other purchase that you make anywhere using this card. If you submit the card application today, then your cash back will be doubled by the Discover at the 1st year’s end.

There is no annual fee on this card and the purchase APR is 13.99% to 24.99% variable. To get this card, your credit history should either be excellent or good. Your earned cash back will be matched by Discover at the first year’s end, automatically. There is no limit and no signing up on how much will be matched. During each quarter, you will get cash back of 5% at various places, such as grocery stores, gas stations, wholesale clubs, Amazon.com, and restaurants, whenever you activate. Any other purchase will help you earn 1% cash back, automatically.

You can redeem any amount of cash back, anytime. The rewards will never expire, which is definitely a great peace of mind. You can use the earned rewards at the Amazon.com checkout. You will also receive free SSN (social security number) alerts as the Discover monitors every single risky website, whenever you sign up.

Fees And APR

There is a $0 annual fee so you don’t need to worry about the yearly fees. There is also no foreign transaction fee. The purchase APR for the first 14 months is 0%, and after that, it will be 13.99% to 24.99%. There is also 0% APR on balance transfers for the first fourteen months and after that, it becomes 13.99% – 24.99%. A 3% balance transfer fee will be charged on every balance transfer. To go through the most recent rewards, rates, FICO credit score, and other details, you can go through their website.

Redeeming Rewards

You can redeem rewards of any amount, any time. You can deposit the cash back rewards into a bank account as well as credit them into a Discover credit card account. Redeem the rewards, while making purchases at Amazon.com. You can also redeem for gift cards, eCertificates, or with Apple Pay.

Instructions To Apply For Discover It® Cash Back Credit Card

To apply for this card, you need to have an internet-connected computer. The entire process should be completed within 5 minutes by following the mentioned instructions:

1. Access the official Discover Card Services, Banking & Loans website in any internet browser to start the process.
2. Now, you should move your cursor to the “Credit Cards” option that is available first in the website menu and click “All Credit Cards” option. Now, you can see all available Discover credit cards on your computer screen along with separate “Apply Now” button. Click “Apply Now” button just next to the “Discover Cash Back” card image to start the online application process.

On this page, enter your complete name and select a card design. After that, click “Continue” button. Now, a new page will open where you need to fill out the credit card application form. Enter all the required information correctly in the given boxes to submit your online application. If you need help during the application process, then you can also click “Live Chat” option that is available at the top side of the application page. For any query, you should dial 1.877.587.1605.