How to Apply for the Discover it Cash Back Credit Card Today

The Discover it Cash Back Credit Card offers up to 5% cash back on rotating categories, 1% on all other purchases, and a first-year cash back match. Enjoy no annual fees and an introductory 0% APR for 15 months, maximizing savings on everyday spending and significant purchases.

Por: Linda Carter em 2 de October de 2025

If you’re looking to earn cash back on your everyday purchases, the Discover it Cash Back credit card might be just what you need. This card offers 5% cash back on rotating categories each quarter, such as gas stations, grocery stores, or restaurants, up to the quarterly maximum when you activate. Imagine being rewarded for your everyday spending – whether you’re fueling up for a road trip or dining out with friends.

Another notable feature is the straightforward structure of the card: 1% unlimited cash back on all other purchases, making it easy to earn rewards without worrying about complicated point systems. Plus, there’s no annual fee, and you can redeem your cash back at any time.

From its cash-back rewards to its user-friendly features, the Discover it Cash Back card is designed to benefit savvy consumers. Ready to explore how you can make the most of your spending habits? Discover how to apply today and start enjoying these perks!

Benefits of the Discover it Cash Back Credit Card

1. Generous Cash Back Rewards

The Discover it Cash Back card offers an excellent cash back rewards program, where you can earn up to 5% cash back on rotating categories each quarter, such as groceries, gas stations, restaurants, and more. After you activate the bonus for each quarter, you’ll be able to maximize your earnings on everyday purchases. Additionally, you earn 1% unlimited cash back on all other purchases automatically. For those who like to strategize, understanding these quarterly categories allows you to plan your spending around these to earn maximum rewards.

2. First Year Cash Back Match

Discover makes its card even more appealing with the Cash Back Match for new cardholders. At the end of your first year as a cardholder, Discover will automatically match all the cash back you’ve earned. So if you earn $200 in cash back, you’ll get a full $400. This doubling effect gives you an incentive to use the card regularly. Keep track of your spending to fully leverage this benefit, and see your rewards effectively double by year’s end.

3. No Annual Fees

Another significant advantage of the Discover it Cash Back card is that it comes with no annual fee. This means you won’t have to worry about a yearly charge just for using the card, allowing you to keep more of your savings as you reap the rewards. Cards with no annual fee are particularly beneficial if you’re looking to gain long-term value without additional expense or complexity.

4. Introductory APR Offer

The card offers an introductory 0% APR for the first 15 months on both purchases and balance transfers. This feature makes it a perfect option if you’re planning a large purchase or want to consolidate existing debt to save on interest costs. Take advantage of this interest-free period by paying off large purchases or balances efficiently within the timeframe, further enhancing your financial flexibility.

Category	Details
Cash Back Rewards	Earn 1% cash back on all purchases, boosting your savings with every swipe.
No Annual Fee	Enjoy benefits without the cost; there’s no annual fee, maximizing your value.

The “Discover it Cash Back” card is designed to bring you exceptional advantages with its straightforward approach to earning rewards. First and foremost, the card encourages regular spending by rewarding you with cash back on all your purchases. This feature makes it suitable for everyday use, allowing you to effortlessly accumulate rewards without needing to think about special categories or promotions.Furthermore, the absence of an annual fee is a significant benefit. This means you can enjoy all the rewards and advantages without incurring extra costs, making this card an appealing choice for both new and experienced users. Whether you’re managing groceries, gas expenses, or even larger purchases, every dollar spent helps you build your cash back rewards.Overall, the “Discover it Cash Back” card provides financial flexibility, allowing users to enhance their everyday spending habits while also enjoying substantial benefits. This combination of cash back rewards and a fee-free experience makes it a card worth considering.

Requirements for Discover it Cash Back Credit Card

Minimum Credit Score: To increase your chances of approval, aim for a credit score of at least 670. This represents a good credit score, which suggests you’ve managed debts responsibly.
Proof of Income: You’ll need to provide documentation that demonstrates your ability to handle a credit card. This typically includes recent pay stubs or tax returns for those who are self-employed. Consistent income is key.
U.S. Residency: Applicants must be residents of the United States. You’ll need to provide a valid mailing address in the country for your application to be considered.
Age Requirement: You must be at least 18 years old to apply for a credit card on your own. If you’re under 18, you may need a co-signer to help establish your creditworthiness.
Social Security Number: A Social Security Number (SSN) is essential for the application process as it helps verify your credit history and financial background.

SEE HOW TO GET YOUR DISCOVER IT CASH BACK

How to Apply for the Discover it Cash Back Credit Card

Step 1: Visit the Discover Website

Start by heading over to the official Discover website. You can do this by opening your web browser and typing in www.discover.com. Once you’re on the homepage, navigate to the credit cards section and select the Discover it Cash Back credit card option. This will take you to a page with more detailed information about the card’s features and benefits.

Step 2: Gather Necessary Information

Before beginning your application, make sure you have all necessary information ready. You will need personal information such as your full name, address, date of birth, and social security number. Additionally, gather your financial details like annual income and employment information. These details will be critical in assessing your eligibility for the card.

Step 3: Complete the Online Application

Click on the “Apply Now” button on the Discover it Cash Back page. This will direct you to the application form. Carefully fill in all required fields with accurate information. As you complete each section, double-check for any errors, as incorrect details can delay the application process.

Step 4: Submit Your Application

Once you have reviewed your information and ensured that everything is correct, hit the submit button. Discover will then process your application. This can take a few minutes to a few business days. During this time, they might contact you if they need any additional information.

Step 5: Receive Approval and Activate Your Card

If your application is approved, you’ll receive your new Discover it Cash Back card in the mail. Follow the instructions included to activate your card and start using it to earn cash back on your purchases. If your application isn’t approved, Discover will provide an explanation and any additional steps you might need to take to improve your chances next time.

SEE HOW TO GET YOUR DISCOVER IT CASH BACK

FAQs About Discover it Cash Back Credit Card

What are the main benefits of the Discover it Cash Back credit card?

The Discover it Cash Back credit card offers several enticing benefits. One of the primary features is its 5% cash back program. Cardholders earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to a quarterly maximum when they activate. All other purchases earn 1% cash back.

Does the Discover it Cash Back have an annual fee?

One of the appealing aspects of the Discover it Cash Back credit card is that it does not charge an annual fee. This means you can enjoy the rewards and benefits without worrying about an additional yearly cost. This is ideal for those who want to maximize their cash back earnings without incurring extra fees.

How does the introductory APR offer work?

The Discover it Cash Back card comes with a 0% introductory APR on purchases and balance transfers for the first 15 months. After the introductory period ends, a variable APR applies, which will be determined based on your creditworthiness and the Prime Rate.

How does the Cash Back Match feature work?

The Discover it Cash Back card includes a unique Cash Back Match feature for new cardholders. At the end of your first year, Discover will automatically match all the cash back you’ve earned, effectively doubling your rewards for the year. For example, if you earned $150 in cash back during your first year, Discover will match it, and you’ll get a total of $300 in cash back.

Is the Discover it Cash Back card accepted worldwide?

The Discover it Cash Back card is widely accepted in the United States and internationally. However, acceptance may vary based on location, especially outside the U.S., because Discover does not have the same level of global presence as Visa or MasterCard. It’s advisable to check the acceptance of Discover cards in specific countries if you plan to use it extensively while traveling abroad.