The Discover it® Cash Back card is a standout option for those seeking a credit card with a robust cashback program and no annual fee.

Known for its 5% rotating cashback categories and first-year Cashback Match™, it allows cardholders to earn significant rewards on everyday spending.

Whether you’re shopping for groceries, dining out, or fueling up your car, the Discover it® Cash Back card makes it easy to save money.

Plus, its unique Cashback Match™ doubles all the rewards you earn in your first year, making it one of the most lucrative cards for cashback enthusiasts.

In this article, we’ll explore everything you need to know about the Discover it® Cash Back card, including its features, rewards structure, benefits, and step-by-step instructions on how to apply.

Key Features of the Discover it® Cash Back Card

The Discover it® Cash Back card offers a range of valuable features that set it apart:

• 5% Cashback on Rotating Categories: Earn 5% cashback on up to $1,500 in purchases each quarter in rotating categories (activation required).
• 1% Unlimited Cashback: Earn 1% cashback on all other purchases, with no spending limits.
• First-Year Cashback Match™: Discover automatically matches all cashback you earn in the first 12 months. For example, if you earn $200 in cashback, Discover will double it to $400!
• No Annual Fee: Enjoy all the benefits of the card without any annual maintenance costs.
• Introductory 0% APR: Benefit from a 0% APR on purchases and balance transfers for the first 15 months, followed by a variable APR.
• Flexible Redemption Options: Redeem cashback as a statement credit, direct deposit, gift cards, or even at checkout with select retailers like Amazon.
• FICO® Credit Score Access: Discover provides free monthly access to your FICO® credit score so you can monitor your credit health.

How Does the Discover it® Cash Back Rewards Program Work?

The Discover it® Cash Back card’s rewards program is simple, flexible, and incredibly rewarding. Here’s how you can earn and maximize cashback:

5% Cashback on Rotating Categories

The card offers 5% cashback on purchases in quarterly rotating categories, up to $1,500 in spending per quarter. To earn this reward, you need to activate the categories each quarter.

Popular categories often include:

• Gas stations
• Grocery stores
• Restaurants
• Online retailers like Amazon or Walmart
• Streaming services

This rotating structure allows cardholders to earn substantial rewards across different spending categories throughout the year.

1% Unlimited Cashback

In addition to the bonus categories, you’ll earn 1% unlimited cashback on all other purchases, with no caps. This ensures that every purchase you make earns you rewards.

First-Year Cashback Match™

What truly sets the Discover it® Cash Back card apart is its Cashback Match™ feature. At the end of your first year, Discover will match all the cashback you’ve earned, effectively doubling your rewards.

For example:

• If you earn $200 in cashback during your first year, Discover will match it, giving you a total of $400.

This unique feature makes the Discover it® Cash Back card especially appealing for new cardholders who want to maximize their rewards.

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Benefits of the Discover it® Cash Back Card

The Discover it® Cash Back card offers numerous benefits beyond its rewards program:

No Annual Fee

Enjoy all the card’s perks and cashback without paying an annual fee.

Generous First-Year Rewards

The Cashback Match™ feature effectively doubles your earnings, making your first year with the card incredibly rewarding.

Introductory 0% APR

New cardholders benefit from a 0% APR on purchases and balance transfers for the first 15 months. This feature is perfect for financing large purchases or consolidating existing credit card debt.

Free FICO® Credit Score

Track your credit health with free monthly access to your FICO® credit score through your Discover account.

Flexible Redemption Options

Discover offers multiple ways to redeem your cashback rewards, including:

• Statement credits
• Direct deposits into your bank account
• Gift cards for top retailers
• Instant checkout at Amazon.com and other participating retailers

No Foreign Transaction Fees

If you’re traveling internationally, you won’t pay additional fees for purchases made abroad.

Excellent Customer Service

Discover is known for its highly rated, 24/7 U.S.-based customer service, ensuring cardholders get the support they need anytime.

Who Should Get the Discover it® Cash Back Card?

The Discover it® Cash Back card is ideal for:

1. Cashback Enthusiasts: Those who want to earn maximum rewards, especially with the Cashback Match™ doubling their first-year earnings.
2. Budget-Conscious Consumers: Anyone looking for a rewards card with no annual fee.
3. Strategic Shoppers: Cardholders who can align their spending with the rotating 5% cashback categories each quarter.
4. New Credit Card Users: Beginners can benefit from its easy-to-understand rewards program and helpful credit monitoring tools.
5. Those Consolidating Debt: The 0% introductory APR on balance transfers makes it ideal for managing existing credit card balances.

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How to Apply for the Discover it® Cash Back Card

Follow these steps to apply for the Discover it® Cash Back card and start earning rewards:

1. Check Eligibility Requirements

Ensure you meet the following criteria:

• Be at least 18 years old.
• Have a valid Social Security Number (SSN).
• Maintain a good to excellent credit score (recommended: 670 or higher).

2. Gather Required Information

Have the following details ready:

• Full name and date of birth
• Social Security Number (SSN)
• Address and contact information
• Annual income and employment status

3. Visit the Discover Website

Go to the official Discover website and find the Discover it® Cash Back card. Click the “Apply Now” button to begin.

4. Fill Out the Application

Complete the online application with your personal and financial information. Ensure all details are accurate before submitting.

5. Submit Your Application

After submission, you may receive an instant decision. If additional review is needed, Discover will notify you within 7-10 business days.

6. Activate Your Card

Once approved, your card will arrive in the mail within 5-7 business days. Activate it online or by phone and start earning rewards.

You will be redirected to another site.

Tips for Maximizing Your Discover it® Cashback

1. Activate Quarterly Categories: Always activate the 5% rotating cashback categories to ensure you earn maximum rewards.
2. Plan Your Spending: Align your spending with the current quarterly bonus categories.
3. Use the Cashback Match™ Advantage: Take full advantage of the Cashback Match™ in your first year by using the card for as many purchases as possible.
4. Pay Off Your Balance Monthly: Avoid interest charges by paying your balance in full each month.
5. Redeem Smartly: Redeem your cashback for the most value, such as statement credits or direct deposits.

Conclusion

The Discover it® Cash Back card is a top-tier option for individuals seeking maximum rewards without an annual fee. With its 5% rotating cashback categories, unlimited 1% cashback on other purchases, and the incredible Cashback Match™ feature, it offers unmatched value for your everyday spending.

Additionally, with features like 0% introductory APR, flexible redemption options, and no foreign transaction fees, this card is perfect for both new and experienced credit card users.

If you’re ready to start earning generous cashback rewards, the Discover it® Cash Back card is an excellent choice.

Read more: Chase Freedom Unlimited®: Maximize Cashback on Every Purchase

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FAQ: Frequently Asked Questions

How does the 5% cashback on the Discover it® card work?

You earn 5% cashback on purchases in rotating categories (up to $1,500 per quarter). Activation is required each quarter.

What is the Discover Cashback Match™?

Discover will match all cashback you earn in your first year. For example, if you earn $200 in cashback, you’ll get $400 total.

Is there an annual fee for the Discover it® Cash Back card?

No, the card has no annual fee.

Does the card offer an introductory APR?

Yes, it offers 0% APR on purchases and balance transfers for the first 15 months.

What credit score is needed for approval?

A good to excellent credit score (around 670 or higher) is recommended for approval.

How do I activate the 5% cashback categories?

You can activate the quarterly categories online or through the Discover mobile app.

How long does it take to receive the card after approval?

You will typically receive your card within 5-7 business days after approval.