Discover it Credit Card – How to Apply?

Have you always dreamed of being able to afford everything that you need with the help of a trustworthy credit card? How about having a rewards credit card that lets you earn cashback and other enticing rewards every time you use it?


This is why the Discover it Credit Card is one of the most popular credit cards in the US. It is a very flexible credit card that lets you pay for your daily transactions while also allowing you to earn rewards more than ever.

With its solid features and benefits, there is no other credit card that comes close to the amazing Discover it® Cash Back Credit Card.

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Discover it® Cash Back Credit Card Features and Benefits

If you’re a shopper who wants to enjoy rewards and do not want to use cash when shopping, the Discover it® Cash Back Credit Card is the best partner for that.

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You will truly love this credit card knowing how many features and benefits it can offer. Check them all out below.


Unlimited Cashback for New Members

Become a member today and you will be entitled to an introductory offer of unlimited cashback for 5% for the next full year.

There is no minimum spending or maximum reward threshold for the cashback. All you need to do is use the card for every transaction that you make within the year and you will get an unlimited amount of cashback.

You also get $150 cash back or even make it up to $300 with the intro offer alone.

Earning and Redeeming Rewards

With the Discover it® Cash Back Credit Card, you get to earn 5% cash back on everyday purchases that you make using the card. This is for groceries, restaurants, gas stations, entertainment, and many more.

You also get 1% cash back on any other transactions or purchases. All cashback rewards are accumulated and can only be redeemed quarterly so you have enough time to get as many cashback rewards as possible.

You can then redeem your cashback for cash at any time or deposit it straight into your account.

Download the Mobile App

The Discover it® Cash Back Credit Card is best used when you also link it to the Discover It mobile banking app. With the app, you can link the card and use it to manage the account.

You can even use it to protect your personal information online from select people-search sites that can have your data sold to third-party websites.

Interest Rates and Other Fees

When you sign up for the Discover it® Cash Back Credit Card, you get an introductory offer of 0% APR on purchases and balance transfers for the next 15 months.

The interest rate for both will then revert to 17.24% to 28.24% variable APR after the promo period. The cash advance interest rate will be at 29.99% variable APR. There is also a 3% intro balance transfer fee which will then revert to a 5% fee on future balance transfers after the promo period.

Fortunately, you don’t have to pay for an annual fee or any foreign transaction fee with this Discover It Credit Card.

Contact Details

If you would like to contact the bank, you can reach them at 1 (800) 347-7000. Alternatively, you can visit their main address at 502 East Market Street Greenwood, DE 19950.

You may also visit their official website for more information about the credit card or use their Support Center to manually find the answers to some of your inquiries regarding the credit card.

Applying for the Discover it® Cash Back Credit Card

Applying for a Discover it Credit Card just became easier. With their online application form, all you need to do is fill out the sheet on the Discover it website.

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To be eligible, you need to be at least 18 years of age and have a verifiable source of independent income. You should also have no debt under your name and have a good credit score.

To apply, some of the documents and details you need to provide include your Social Security Number, employment details, valid ID, proof of billing address, and proof of income.

Is the Discover it® Cash Back Credit Card Worth It?

A lot of people might be put off with the rotating rewards category every quarter but the unlimited cash back rewards and the high cashback percentage make the Discover it® Cash Back Credit Card a very worthy credit card to have.

While it may not be the richest in terms of features, it certainly has all the hallmarks of a well-rounded rewards credit card that you can take advantage of.

FAQs About the Discover it® Cash Back Credit Card

For applicants and new cardholders, using the Discover it® Cash Back Credit Card is very seamless but there are also instances that you might not know about the card’s many features.

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Here are some of the most frequently asked questions and their corresponding answers about the Discover it® Cash Back Credit Card.

What Credit Score Do You Need for the Discover it® Cash Back Credit Card?

If you’re interested in applying for the Discover it® Cash Back Credit Card, it is best that you check your credit score first and you must have a good to excellent score ranging from 670 to 850.

Having this credit score will help the overall approval of your application.

What are the Reward Categories?

The Discover it® Cash Back Credit Card offers revolving categories for rewards to redeem.

In the first quarter, you get grocery stores, drug stores, streaming services rewards, and restaurants and wholesale clubs for the second quarter.

Those who can wait for the third quarter will be able to access gas stations and digital wallet rewards while the last quarter of the year is reserved for Amazon and Target shopping experiences.

Does the Discover it® Cash Back Credit Card Have a Referral Bonus?

The Discover it® Cash Back Credit Card does have a referral bonus. You can get a referral bonus ranging from $50 to $100 for every referral that you make.

The amount of referrals that you make will depend on your referral offer but most of the time, you are limited to only making 10 referrals a year or a maximum referral bonus of up to $500.


With the Discover it® Cash Back Credit Card, you can finally be able to live comfortably with the amount of rewards geared towards daily expenses. Cashback rewards, referral bonuses, 0% intro offers, and more await for you when you apply for this Discover it Credit Card.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.