The Discover it Cash Back card offers a practical and rewarding approach to credit. With rotating 5% cashback categories that match everyday spending patterns and a straightforward 1% on all other purchases, the card is designed for those who want consistent value. The first-year Cashback Match doubles those benefits, making this card especially attractive to new cardholders looking for fast, meaningful returns.
From seamless mobile features to exceptional customer service, this card brings more than just rewards—it brings confidence, control, and convenience.
Maximize Your Spending With These Benefits
1. 5% Cashback on Featured Categories
Each quarter, Discover highlights specific spending areas where users can earn 5% cashback on up to a quarterly maximum. These categories typically reflect seasonal habits like grocery stores in winter or gas stations in summer—ideal for maximizing value on regular purchases.
2. Consistent 1% on Everything Else
Even outside of rotating categories, cardholders still earn 1% unlimited cashback on all other purchases. There are no caps or restrictions, ensuring every dollar spent works in the user’s favor.
3. Cashback Match in Year One
One of Discover’s most compelling benefits is its Cashback Match. New members automatically receive a match of all cashback earned in the first year—essentially doubling their rewards without any activation or deadlines.
4. Redeem Rewards on Your Terms
Users can redeem their rewards in several convenient ways, including statement credit, direct deposit, charitable donations, or through select retail partners. This flexibility empowers consumers to use their rewards as they see fit.
5. No Minimum to Use Rewards
Unlike many competitors, Discover allows users to redeem cashback at any amount. Whether you’ve earned $3 or $30, you can access your funds when you want.
6. Outstanding U.S.-Based Support
Customer service is handled exclusively in the U.S. and is available 24/7. The quality of Discover’s support team is often cited as one of its top advantages.
7. Free FICO Score Updates
Cardholders can monitor their credit progress every month with free access to their FICO® Score. It’s a great tool for those working to build or maintain strong credit.
8. Freeze It for Extra Security
If a card is lost or suspected stolen, users can immediately freeze their account from the app or desktop dashboard. This feature adds a proactive layer of protection.
9. Shop Internationally with No Extra Charges
With no foreign transaction fees, cardholders can make purchases abroad or from international websites without incurring unexpected costs.
Qualification Requirements
1. Minimum Age of 18: Applicants must meet the age of majority in their state to be considered eligible.
2. Must Be a U.S. Resident: Only legal residents of the U.S. with a valid Social Security number may apply for this card.
3. Good to Excellent Credit Preferred: A FICO Score around 670 or higher improves approval odds. Discover conducts a hard inquiry to assess credit history.
4. Stable Income Required: A steady income is needed to ensure the applicant has the financial means to manage credit responsibly.
5. Clean Recent Credit Report: Those with recent bankruptcies or multiple missed payments may not qualify. A consistent repayment history improves the chances of approval.
6. Minimal New Credit Applications: Discover may view frequent recent applications for other credit cards as a risk. A lower number of recent inquiries is generally better.
How to Apply
1. Access the Discover Website: To begin the application process, visit the Discover site and locate the Discover it Cash Back card.
2. Submit Your Personal Information: Applicants will need to provide full name, address, income details, housing status, and Social Security number.
3. Read the Terms Carefully: Before submitting, users should review the card’s rates, fees, and reward rules to ensure they understand how the product works.
4. Submit Your Application: Once all fields are complete, click submit. Many applicants receive an approval decision within seconds, while others may undergo further review.
5. Provide Additional Documents if Needed: If additional information is requested, such as income verification or identification, prompt submission will help move the process forward.
6. Activate and Use Your Card: After approval, activate the card and begin using it to earn cashback on eligible purchases immediately.
Frequently Asked Questions
How does Discover choose 5% categories?
Categories are selected based on consumer spending trends and vary by quarter. Discover announces the categories in advance and requires activation.
When does Cashback Match get credited?
After the first 12 billing cycles are complete, Discover will match all cashback earned and add it to the account automatically.
Will my cashback expire?
No. As long as your account remains active and in good standing, your cashback will not expire.
Can this card help build credit?
Yes. Responsible use—like on-time payments and low balances—can positively impact credit scores over time.
