With the Discover it Cash Back credit card, you can earn up to 5% cashback on your purchases, and there’s no annual fee! With these features, it stands out in the market by offering real benefits and savings.
Another unique feature of this card is that customers can choose from 25 different and colorful designs for their card. That’s right; you can personalize the plastic to make it your own.
Want to know more about this card that truly delivers on its promises? Then keep following us to learn about its benefits and find out how to apply for yours to start accumulating cashback!
About the Issuer
The Discover it Cash Back is issued by Discover Bank, a solid and trustworthy financial institution in the United States. Since its founding in 1985, Discover has stood out for offering innovative financial products, always focusing on customer satisfaction.
Discover Bank is known for its high-quality customer service, 100% U.S.-based, available 24 hours a day. This attention to customers is one of the factors that differentiate Discover in the competitive credit card market.
Additionally, Discover Bank offers a wide range of financial products, including savings accounts, student loans, and mortgages, reinforcing its position as a complete and reliable institution in the financial sector.
Benefits
Generous 5% Cashback in Rotating Categories: One of the biggest attractions of the Discover it Cash Back is the opportunity to earn 5% cashback in categories that change each quarter. These categories can include spending on groceries, gas stations, restaurants, pharmacies, and online shopping, among others.Â
Cashback Match in the First Year: This benefit is a key differentiator of the Discover it Cash Back. At the end of the first year of use, Discover matches all the cashback you accumulated, doubling your rewards at no extra cost. For example, if you earned $200 in cashback during the first year, Discover adds another $200 to your balance, resulting in a total of $400. This provides a significant return and can be very advantageous for those who make many purchases throughout the year.
No Annual Fee: The Discover it Cash Back card does not charge any annual fee, which is a major attraction for consumers looking to save. Often, credit cards with high rewards charge high annual fees, but Discover manages to offer excellent benefits without this cost. This makes the card accessible to a wide range of users and ensures you can maximize your returns without worrying about additional fees.
0% Intro APR on Purchases and Balance Transfers: The Discover it Cash Back offers a 0% APR (Annual Percentage Rate) on purchases and balance transfers for 15 months from account opening. This means cardholders can finance purchases or consolidate debt without paying interest during the introductory period, providing additional financial flexibility.
No Foreign Transaction Fees: For those who travel internationally, the card is an excellent choice as it does not charge foreign transaction fees. This can result in significant savings for frequent travelers, who won’t have to pay extra fees on purchases made outside the United States.
Wide Acceptance Network: While Discover is better known in the United States, it has expanded its acceptance network in other countries, making it a viable option for international travel. Through partnerships with other payment networks, such as Diners Club International, Discover is accepted at millions of establishments around the world.
Free Credit Monitoring: The Discover it Cash Back offers its cardholders free access to their FICO® Score through the Credit Scorecard service. This allows users to monitor their credit score and keep an eye out for potential errors or fraud, helping to maintain good financial health.
Discover it Cash Back Credit Card – Fees and commissions
The Discover it Cash Back credit card does not charge an annual fee, which is a significant attraction for consumers. There is also a 0% Intro APR for 15 months, and the standard APR after the introductory period ranges from 18.24% to 28.24%, depending on your credit score.
It’s important to note that fees and commissions can change at any time, so it’s always important to review the updated terms and conditions before making any financial decisions.
Card limit
The credit limit of the Discover it Cash Back varies according to the applicant’s profile, including their credit score and financial history. Discover is known for being flexible in its credit granting criteria, which can be a positive point for consumers with different financial profiles.
For those with a good credit history, the limit offered may be higher, providing greater purchasing power and financial freedom.
Positive points
- High Cashback Rate:The card offers one of the most competitive cashback rates on the market.
- No Annual Fee:Ideal for those looking to save on annual fees.
- First-Year Bonus:The cashback match in the first year can be extremely lucrative.
Negative points
- Rotating Categories:It’s necessary to activate the cashback categories each quarter.
- Cashback Limit:There is a quarterly limit for the 5% cashback.
- Eligibility:Only approved for those with a good credit history.
How to apply for Discover it Cash Back Credit Card
Apply for your Discover it Cash Back credit card by following these instructions:
- Visit the official Discover website;
- Click “Apply Now” on the Discover it Cash Back card page;
- Fill out the online application form;
- Submit the application and wait for the response;
- If approved, wait to receive the card at the address provided.
How to contact Discover
If you have any questions about the Discover it Cash Back credit card, contact the issuer:
- Online Chat: Available on the official Discover website
- Phone: 1-800-DISCOVER (1-800-347-2683)
The Discover it Cash Back is a versatile card that offers incredible benefits without the burden of an annual fee. Take advantage of this opportunity to apply for yours now and start enjoying all the benefits that the Discover it Cash Back has to offer!
