Learn How to Apply for a Discover it Cash Back Credit Card
What Should I Understand Before Applying for a Discover it Cash Back Credit Card?
Discover provides a variety of financial and credit solutions to help individuals achieve their goals, with cashback credit cards offering up to 5% cashback.
Discover’s acceptance rate is high, with 99% of US businesses accepting it as a form of credit card payment.
Get started on building your cashback with the Discover it Cash Back Credit Card, which provides a 0% introductory APR for the first 15 months on purchases and balance transfers alike.
An introductory 3% balance transfer fee applies, which transitions into a standard variable purchase APR from 14.99% to 25.99%, with the possibility of a future 5% fee on balance transfers.
The 5% cashback feature changes every quarter, and it’s usually used for buying groceries, gym membership subscriptions, gas, target, dining out, PayPal, Amazon.com, and digital wallet expenditures.
For all other purchases, each $1 you gain in cashback corresponds to $1 that can be used later.
Additional benefits encompass online privacy safety, complimentary social security number notifications, a $0 fraud liability promise, and the ability to oversee account access using Freeze It.
Significantly, the rewards you earn with your Discover It Cash Back Credit Card will never run out. To learn more about how to apply, continue reading.
Who is Eligible to Apply?
A credit card with various benefits might not be universally appropriate. Persons with high or excellent credit are more likely to be approved for the Discover it Cash Back card, usually those with a credit score ranging from 670 to 850.
Therefore, those with a lower credit score should focus on improving their credit. A multitude of cards designed specifically for this purpose are accessible, offering feasible alternatives.
Beyond credit concerns, the Discover It card has other basic requirements, including being a registered citizen in the United States with an active bank account and a Social Security number.
Income-wise, it’s crucial that the applicant can prove their yearly earnings as this significantly impacts the credit line amount determination.
How Can I Submit an Application for a Discover it Cash Back Credit Card?
To begin the application, go to the Discover website and click on the “Apply Now” button.
The standard application procedure is followed: complete the application form and wait to be notified whether your financial profile meets the Discover It Cash Back Credit Card’s conditions.
At the start of the process, you’ll be asked to enter your ZIP code, the last four Social Security number digits, and birth date.
As you continue with the application, Discover Card will require additional contact information and income-specific details such as:
- Full name
- Residential address
- Email address
- Contact number
- Monthly earnings
You may need to submit document copies like proof of address and income, including recent salary slips and bank statements, during the process.
After you’ve filled out the form, Discover will carry out a thorough assessment of your credit line, which comprises a credit score check.
Discover stands out for offering 25 different card designs for customers to choose from. Plus, their process is exceptionally quick.
Additional Information
Discover cardholders can take advantage of a completely U.S.-based service, available round the clock, with even free expedited shipping for card replacements.
Our card also provides online privacy protection, alerts for unauthorized Social Security number usage and complete control through the company’s mobile app.
Rewards can be redeemed at various places like Amazon.com and PayPal, with a high limit for cashback accumulation.
Interested in Exploring Other Options?
Chase Freedom Unlimited Credit Card is another worthy contender to consider, providing secure cashback benefits of up to 5%, including other perks for everyday usage.
