Learn How to Apply for a Discover it Cash Back Credit Card

Understanding Discover it Cash Back Credit Card Before Application

Discover provides an array of credit and banking products to help individuals achieve their goals and take advantage of cashback credit card benefits, offering up to 5% cash back.

Discover’s acceptance rate is at a remarkable 99% within the establishments in the United States that accept credit card payments.

With the Discover it Cash Back Credit Card, you can start earning cash back, with a 0% introductory APR for the first 15 months valid on purchases and balance transfers.

An introductory balance transfer fee of 3% is charged initially, followed by a standard variable purchase APR from 14.99% to 25.99% alongside a potential 5% fee for future balance transfers.

The 5% cashback feature changes every quarter and is predominantly applicable to purchases at grocery stores, gym memberships, gas stations, Target, restaurants, PayPal, Amazon.com, and digital wallets.

Each $1 earned in cash back for alternative transactions equals $1 that can be redeemed.

Additional perks include online privacy safety, complimentary social security number alerts, a $0 fraud liability guarantee, and the Freeze It feature for managing account access.

It’s worth noting that rewards earned from the Discover It Cash Back Credit Card do not expire. Continue reading to learn about the application process.

Eligibility to Apply

While the credit card boasts numerous advantages, it may not fit all personal financial situations. The chances of getting approved for the Discover it Cash Back card are higher for individuals having good or excellent credit, generally characterized by a credit score within 670 to 850.

Consequently, those who haven’t reached this credit level should focus on improving their credit score. Fortunately, there is a wide variety of cards specifically aimed for this purpose.

Discover It also imposes basic requirements like being a registered U.S. citizen with a legitimate bank account and Social Security number.

Income-wise, applicants must have a reliable source of income, as this significantly influences the determination of credit lines.

Applying for the Discover it Cash Back Credit Card

To begin the application, head to the Discover website and click on the “Apply Now” button.

The procedure is standard: fill out the online form and wait for a notification that checks your financial profile against the criteria for the Discover It Cash Back Credit Card.

After sharing basic details like your ZIP code, date of birth, and the last digits of your Social Security number, the website will request additional information.

This includes personal and income-related details, such as:

• Full name
• Mailing Address
• Email address
• Contact number
• Monthly income

During the application process, you might need to submit documents proving your income and residence, like recent pay slips or bank statements.

Upon completion, Discover will undertake a comprehensive credit check, including a credit score assessment.

One of Discover’s unique features is the range of 25 card designs to choose from and the application process is notably quick.

Additional Information

Discover cardholders have 24/7 access to U.S.-based customer service and can benefit from free overnight delivery for card replacement.

This card also guarantees online privacy protection, offering alerts for any unauthorized use of your social security number. Cardholders can control settings via the company’s mobile app.

The earned rewards can be used at several places, like Amazon.com and PayPal, offering a generous cap for accumulating cashback.

Interested in another Option?

Chase Freedom Unlimited Credit Card could be a viable alternative, boasting efficient security features and providing up to 5% cashback, along with several other benefits suitable for daily use.

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