How do I Apply for the Discover It Cashback Card?

What do I need to know before applying?

The Discover It Cashback is a credit card designed to help you start your credit journey, but without sacrificing good benefits, like up to 5% cashback in certain categories!

Discover is a well-recognized financial company in the U.S. market, offering excellent options for its customers.

In addition to personal and student loans, the company provides credit cards for every preference and budget.

The Discover It Cashback is a great initial option with a $0 annual fee and an introductory APR of 0% for up to 15 months, followed by rates ranging from 3% to 10% for balance transfers and 18.24% to 28.24% for purchases.

The initial credit limit for the card is $500, which is ideal for those with lower needs as they begin their credit journey.

In terms of cashback, you can participate in Discover’s seasonal offers. Every three months, Discover selects categories to offer special cashback conditions.

With this card, you get 5% cashback in categories like groceries, restaurants, gas stations, and streaming services.

To find out which categories are eligible, you need to follow Discover’s official platforms.

Moreover, Discover Match is a benefit that matches all your rewards at the end of the year.

This means that for every dollar you earn in cashback rewards, you’ll receive an additional dollar to redeem, with no limit.

There’s no need to sign up or meet any specific requirements to participate; just use the card, as this is an automatic benefit.

Before receiving the card, you can even personalize the design by choosing from dozens of options offered by the bank.

Who can Apply?

The Discover It offers favorable conditions to apply for the card, which are fairly standard for the U.S. market.

The first requirement is to be at least 18 years old and to present valid identification as either a U.S. citizen or a foreigner properly registered with a passport and recognized work visa.

In terms of credit, you need to have a good score, though not as high as what is required for other, more advanced lines.

Discover may request minimum income levels, especially in line with the credit limit you intend to request.

During the application process, you may need to submit proof of address and residency, as well as a copy of your ID.

The bank emphasizes that meeting the requirements does not guarantee card approval, as this depends on availability.

Learn How to Apply for a Discover It Cashback Card

To start the application process, go to Discover’s website and click on the “Apply Now” button.

At first, the site will ask you to enter essential details, including your ZIP code, the last few digits of your Social Security number, and your date of birth.

As you continue with the application, Discover may request further information, such as your full name, complete address, email, phone number, and details about your monthly income.

During this process, you might also need to provide supporting documents, like proof of residence and income, including recent pay stubs and bank statements.

After you submit the application, Discover will conduct a thorough review of your credit profile, including an evaluation of your credit score.

More Details

The card offers solid security features, such as:

• Online privacy protection to remove personal information that might be present in unwanted locations;
• Account activation and freezing through Freeze It, which also stops loan requests and balance transfers;
• Free alerts for data breaches on dangerous sites in the Dark Web.

You can manage everything through the Discover app, providing convenience for any situation.

Want to learn another option?

If you have more options for accessing higher credit with benefits, you might consider the Chase Freedom Unlimited, a card that offers unlimited 1.5% cashback on all purchases.

The card also includes other benefits, such as cell phone insurance and up to 5% cashback on purchases or airline tickets. Find out how to apply.

Written by

Gabriel Gonçalves

Writer with over 10 years of experience specializing in finance and education. Master's student in Communication and an expert in online content production.