The Discover it® Cash Back Credit Card is a popular choice for earning rewards on everyday spending.
It offers 5% cash back in rotating categories and 1% on all other purchases, with no annual fee.
This guide shows you exactly how to apply online in simple steps.
What You’ll Need Before Applying
Before starting the application, ensure you have your basic personal and financial information ready.
This helps speed up the process and reduces the chance of delays. Here's what you'll need:
- Full legal name
- U.S. residential address (no P.O. Boxes)
- Social Security Number (SSN)
- Date of birth
- Email address and phone number
- Employment status and employer details
- Total gross annual income
- Monthly housing/rent payment amount
- Optionally, authorized user info if you want to add someone to the card
How to Apply Online – Step-by-Step
Applying for the Discover it® Cash Back Credit Card online is quick and straightforward.
Just follow these steps to complete your application securely in minutes:
- Visit Discover’s website: Go to the official Discover site and select the Discover it® Cash Back Card.
- Click “Apply Now”: This will take you to the secure online application form.
- Enter your personal information: Provide your name, address, date of birth, and Social Security Number.
- Add your financial details: Include your income, employment info, and monthly housing payment.
- Choose if you want to add an authorized user: This is optional.
- Review the terms and your entries: Make sure everything is accurate.
- Submit your application: Click submit and wait for a decision.
Interest Rates and Fees
Before applying for this card, it's essential to understand the associated interest rates and fees.
This knowledge will help you manage your account effectively and avoid unexpected charges.
- Introductory APR: 0% for 15 months on purchases and balance transfers.
- Standard Purchase APR: 18.24% to 27.24% variable, depending on your creditworthiness.
- Cash Advance APR: 29.24% variable.
- Balance Transfer Fee: 3% introductory fee for transfers made within the first 15 months; up to 5% fee for future balance transfers.
- Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Minimum Interest Charge: If you are charged interest, the charge will be no less than $0.50.
- Annual Fee: $0.
- Foreign Transaction Fee: None.
What Happens After You Apply
Once you submit your application, the following steps are usually quick and straightforward. Here's what you can expect after the application:
- Instant decision: Many applicants receive approval or denial within seconds.
- Application under review: If more information is needed, your application may undergo manual review, which typically takes 1–3 business days.
- Verification requests: You might be asked to provide additional documents, like proof of income or identity.
- Approval notification: If approved, you'll receive an email confirmation.
- Card delivery: Your new card is mailed and should arrive within 5–7 business days.
- Account setup: Once you receive the card, you can activate it online or by phone and register your account for online access.
Tools and Account Features
This card has helpful digital tools and features that make managing your account secure and straightforward. Here’s what you can use:
- Mobile App – Track purchases, make payments, and view rewards on the go.
- Freeze it® – Instantly lock your card through the app if lost or stolen.
- Free FICO® Score – Monitor your credit with monthly updates.
- Real-Time Alerts – Get instant notifications for purchases and suspicious activity.
- Automatic Redemption – Set up recurring cash back redemptions to your bank account or as a statement credit.
- Spend Analyzer – View and categorize spending trends to manage your budget better.
- Paperless Statements – Access statements and documents online anytime.
Key Benefits of the Card
This card offers several practical features that help you earn rewards and manage your account efficiently. Here are the main benefits you get as a cardholder:
- 5% cash back on rotating categories each quarter (activation required)
- 1% unlimited cash back on all other purchases
- Cashback Match™: All cash back earned in your first year is automatically matched
- $0 annual fee: No yearly cost to keep the card
- No foreign transaction fees: Use it internationally without added charges
- Free FICO® Score on monthly statements and online
- Freeze it® feature: Instantly freeze your card through the mobile app if it’s lost or stolen
- 24/7 U.S.-based customer service: Support is always available
- No late fee on your first missed payment (then up to $41 after)
Credit Score and Approval Tips
Before applying, it’s smart to understand how your credit profile affects your chances. Here are some quick tips to improve your odds of approval:
- Aim for a good credit score: A FICO® score of 670 or higher gives you better chances.
- Keep your credit utilization low: Ideally, under 30% of your total credit limit.
- Avoid multiple recent applications: Too many credit checks in a short time can hurt your score.
- Pay your bills on time: Lenders look for a solid payment history.
- Ensure your income is accurate: Report your gross income, including side earnings.
- Check your credit report: Fix any errors before applying to avoid surprises.
Who Should Consider This Card
This card isn’t for everyone, but it fits well if you want to earn rewards and manage your spending smartly. Here’s who might benefit the most:
- You want to earn high cash back on common spending categories like groceries, gas, or online shopping.
- You plan to pay your balance in full each month to avoid interest.
- You're a first-time credit card user or someone looking to build credit.
- You prefer a no-annual-fee card with strong reward potential.
- You want a straightforward rewards structure with a first-year bonus.
- You’re comfortable activating rotating categories every quarter to maximize rewards.
Customer Support and Contact Info
Discover offers multiple ways to get help, all backed by 100% U.S.-based customer service.
Whether you have questions about your account, need to report an issue, or want to manage your card, here’s how to reach them:
- General Inquiries (U.S.): 1-800-DISCOVER (1-800-347-2683) — available 24/7
- International Calls: 1-224-888-7777
- Hearing/Speech Impaired: Dial 711 (Relay Service)
- Mailing Address: Discover Financial Services, P.O. Box 30943, Salt Lake City, UT 84130-0943
Final Check: Should You Apply?
The Discover it® Cash Back Credit Card is a solid choice if you want to earn rewards, avoid annual fees, and build credit responsibly.
With features like 5% rotating categories and Cashback Match™, it offers strong value for everyday spending.
If these benefits fit your needs, apply online today to get started.
Disclaimer
Terms, rates, and rewards are subject to change and may vary based on your creditworthiness.
Always check the official Discover website for the most current information before applying.
