Discover it® Cash Back credit card offers lucrative cash back rewards on everyday purchases, along with security features and a low intro APR. However, it’s essential to understand its limitations and prerequisites before applying.
Advantages of the card Discover it® Cash Back
The Discover it® Cash Back credit card provides several advantages: – Earn 5% cash back on rotating categories each quarter, including grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. – Cash back rewards never expire and can be redeemed dollar for dollar. – $0 Fraud Liability Guarantee ensures you’re not responsible for unauthorized purchases. – Enjoy Online Privacy Protection and Freeze it® feature to safeguard your account and personal information. – Choose from 25 colorful card designs to reflect your style. – Benefit from a 0% intro APR for 15 months on purchases and balance transfers.
Disadvantages of the card Discover it® Cash Back
Despite its benefits, the Discover it® Cash Back credit card has some drawbacks: – Rotating quarterly categories require activation and have a spending cap, limiting potential rewards. – The standard variable purchase APR ranges from 17.24% to 28.24% after the introductory period. – Foreign transaction fees may apply, increasing the cost of international purchases. – Not all merchants accept Discover cards, limiting acceptance compared to Visa or Mastercard.
Extra features offered by the Discover it® Cash Back
In addition to cash back rewards, the Discover it® Cash Back credit card offers extra features: – Online Privacy Protection helps remove personal info from select people-search websites. – Freeze it® feature allows you to quickly turn your account on/off via the mobile app to prevent unauthorized use. – Free Social Security Number Alerts notify you if your SSN is found on Dark Web sites. – Choose from a variety of card designs to personalize your card.
Learn how to apply for your credit card Discover it® Cash Back
Applying for the Discover it® Cash Back credit card is straightforward: – Visit the Discover website and navigate to the credit cards section. – Select the Discover it® Cash Back card and click on the “Apply Now” button. – Complete the application form with your personal and financial details. – Review the terms and conditions, including the APR, fees, and rewards program. – Submit your application and await approval from Discover.
Discover the main ways to apply for the card Discover it® Cash Back
You can apply for the Discover it® Cash Back credit card through various channels: – Online: Visit the Discover website and complete the application digitally. – Mobile App: Download the Discover mobile app and apply for the card conveniently. – By Phone: Call Discover customer service to apply over the phone with assistance from a representative.
Prerequisites for request
Before applying for the Discover it® Cash Back credit card, consider the following prerequisites: – Good to excellent credit score to increase approval chances. – Meeting income requirements set by Discover for credit card applicants. – Understanding and agreeing to the terms and conditions outlined by Discover, including fees and APR.
From the site
To apply on the Discover website, visit [Discover Website](https://www.discover.com/credit-cards/cash-back/it-card.html) and follow the application instructions provided.
From the site App
Download the Discover mobile app from the App Store or Google Play Store, navigate to the credit cards section, and apply for the Discover it® Cash Back card within the app.
By agency
Visit a Discover branch or authorized agency to apply for the Discover it® Cash Back card in person with assistance from a representative.
In conclusion, the Discover it® Cash Back credit card offers attractive cash back rewards, security features, and a low intro APR, making it a compelling option for individuals seeking to earn rewards on their everyday purchases. However, potential applicants should carefully consider its limitations and prerequisites before applying to ensure it aligns with their financial goals and lifestyle.