Designed to maximize your savings, this card stands out with its exceptional cashback program and host of appealing features. Whether you’re shopping for groceries, dining out, or planning a big purchase, the Discover it® Cash Back Credit Card ensures that every transaction adds value to your financial journey. Say goodbye to complicated rewards programs and hello to effortless, generous cashback that makes every dollar go further.
Benefits of the Discover it® Cash Back Credit Card
- 5% Cashback on Rotating Categories: Earn an impressive 5% cashback on up to $1,500 in purchases each quarter in rotating categories such as groceries, gas, or dining. Just activate the categories and watch your rewards grow with every purchase in these areas.
- 1% Unlimited Cashback on All Other Purchases: Enjoy 1% cashback on all other transactions, ensuring you’re rewarded for every dollar spent, from coffee runs to online shopping sprees.
- No Annual Fee: Take advantage of all the card’s benefits without worrying about annual fees. It’s a cost-effective option that starts adding value from day one.
- Cashback Match® Feature: At the end of your first year, Discover will match all the cashback you’ve earned. This means double rewards, giving you an incredible boost to your first year’s savings.
- Free Access to Your FICO® Credit Score: Stay on top of your financial health with free monthly updates to your FICO® credit score. Track your progress and make informed financial decisions with ease.
- No Foreign Transaction Fees: Use your card internationally without incurring foreign transaction fees, making it the ideal companion for travel abroad.
- Purchase Protection: Shop confidently with purchase protection that covers eligible items against theft or damage within a specified timeframe.
- Extended Warranty: Extend the manufacturer’s warranty on eligible purchases for additional peace of mind.
- Travel Accident Insurance: Enjoy travel accident insurance coverage for added security when you’re on the go.
- Fraud Protection: Benefit from robust fraud monitoring and zero liability for unauthorized transactions, giving you peace of mind with every swipe.
- Flexible Redemption Options: Redeem your cashback rewards for statement credits, direct deposits, or gift cards without any minimum requirements. Tailor your rewards to your preferences and needs for maximum convenience.
Who Can Apply?
The Discover it® Cash Back Credit Card is available to individuals who meet certain criteria:
- A good credit history (typically a score of 670 or above).
- Stable income to ensure responsible credit management.
- Must be at least 18 years old.
- U.S. residency is generally required.
For detailed eligibility requirements, visit Discover’s official website or contact their customer service.
How to Apply
- Visit the Discover Website or download the Discover mobile app.
- Complete the Online Application by providing your personal and financial details.
- Submit Your Application and wait for approval.
- Receive Your Card and activate it to start enjoying its benefits.
Frequently Asked Questions
- How can I track my FICO® credit score?
- Log in to your Discover account online or through the mobile app to access your free FICO® credit score updates.
- Can I add authorized users to my account?
- Yes, you can add authorized users, allowing them to earn cashback rewards on their purchases.
- What should I do if I lose my card?
- Report a lost or stolen card immediately to Discover customer service to block the card and request a replacement.
- How do I activate the 5% rotating cashback categories?
- Log in to your Discover account online or through the app each quarter to activate the rotating categories.
- How can I contact customer service for the Discover it® Cash Back Credit Card?
- Reach out via the customer service number on the back of your card or explore contact options on Discover’s website.
This card combines exceptional rewards with practical benefits, making it a standout choice for anyone looking to maximize their spending power and enjoy financial flexibility.
