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Discover it Cash Back – Total Finanças
Maximize Your Rewards with the Discover it Cash Back Card
The Discover it Cash Back card is a fantastic tool for savvy spenders looking to maximize their everyday purchases. Tailored to reward your changing spending habits, it offers significant cash back potential without the burden of an annual fee. Whether you are buying groceries, dining out, or shopping online, this card is designed to provide substantial value. Experience a seamless and rewarding financial journey with one of the most popular cash back cards on the market.
5% Cash Back Categories
Earn 5% cash back on everyday purchases at different places each quarter up to the quarterly maximum when you activate.
Unlimited Cashback Match
Discover will automatically match all the cash back you've earned at the end of your first year, with no minimums or maximums.
Zero Annual Fee
Enjoy all the premium benefits and high reward rates without paying any yearly maintenance fees to keep your account open.
Free FICO® Credit Score
Keep track of your financial health easily with free access to your FICO® Score on your monthly statements and online dashboard.
The Discover it Cash Back card stands out in the crowded credit card market by offering dynamic rewards tailored to how you actually spend your money. At the core of its appeal is the rotating 5% cash back program. Each quarter, Discover announces new categories—such as grocery stores, restaurants, gas stations, or popular online retailers like Amazon.com. Once you activate the bonus, you earn 5% cash back on up to $1,500 in purchases in those categories for the quarter, and an unlimited 1% cash back on all other purchases.
But the rewards don't stop there. One of the most lucrative features for new cardholders is the Unlimited Cashback Match. At the end of your first year, Discover automatically matches all the cash back you've earned. If you earned $200, you get an additional $200. There is no minimum spending requirement and no maximum limit to how much they will match.
Beyond rewards, this card provides exceptional consumer-friendly policies. There is absolutely no annual fee to worry about, and Discover uniquely forgives your first late payment fee without raising your APR as a penalty. Furthermore, your rewards never expire as long as your account remains open, and you can redeem them in various ways: as a statement credit, direct deposit, gift cards, or even pay with rewards directly at checkout at select online merchants. With 100% U.S.-based customer service available 24/7, the Discover it Cash Back card is built around user convenience and immense financial value.
How do I activate the 5% cash back categories?
You must log into your Discover account online or via the mobile app each quarter to activate the 5% categories before making purchases.
Do my cash back rewards expire?
No, the cash back you earn never expires as long as your Discover account remains open and in good standing.
Is there a penalty APR for late payments?
Discover does not charge a penalty APR for late payments. Additionally, they will waive the fee for your first late payment.
Can I use this card outside the United States?
Yes, Discover is accepted globally, and importantly, this card charges zero foreign transaction fees on international purchases.
How does the Unlimited Cashback Match work?
At the end of your first consecutive 12 months as a cardmember, Discover will automatically calculate all your earned cash back and match it dollar-for-dollar, with no maximum limit.
Step-by-Step to Request Your Card
Applying for the Discover it Cash Back card is a highly streamlined and straightforward digital process designed to get you your new card as quickly as possible. To begin, you will need to navigate to the official Discover website and locate the specific application page for the cash back card. Before you start, ensure you meet the general requirements: you must be at least 18 years old, have a valid Social Security Number, and reside in the United States.
The online application form will ask you for standard personal information, including your full name, date of birth, home address, and contact details. You will also need to provide financial information, such as your employment status, gross annual income, and monthly housing or rent payment. This data helps Discover's underwriting team assess your ability to manage a new line of credit responsibly. The Discover it Cash Back card typically requires a good to excellent credit score (generally a FICO score of 670 or higher) for the best chance of approval.
One of the excellent features of Discover's application process is the ability to check if you are pre-approved before submitting a hard inquiry on your credit report. This pre-approval tool gives you a strong indication of your eligibility without impacting your credit score. If you decide to proceed with the full application, decisions are usually instant. Once approved, your new credit card will be mailed to your address, arriving in distinct, secure packaging ready to be activated via the Discover mobile app or website.
