Discover it Cashback Credit Card Review

Experience the freedom of rewarding financial management with the Discover it Cash Back Credit Card—your ideal companion for everyday purchases.

In the realm of credit cards, the Discover it Cash Back Credit Card stands out as a beacon for those seeking both value and simplicity. With its impressive cashback rewards and no annual fee, this card is designed to enrich your spending habits. Discover’s commitment to customer satisfaction ensures a seamless experience, making it an attractive choice for anyone looking to maximize their financial potential.

The Discover it Cash Back Credit Card offers more than just a standard credit card experience. It is a tool that not only caters to your purchasing needs but also rewards you generously for them. With a strong focus on user-friendly features, this card makes managing your finances straightforward and rewarding. 

CREDIT CARD

DISCOVER IT CASHBACK

UNTIL 5% CASHBACK NO ANNUAL FEE

GET CARD You will be redirected

Discover It Cashback Credit Card Benefits

5% Cash Back on Rotating Categories

Take advantage of an impressive 5% cash back on select categories that change each quarter, such as groceries, gas stations, and more. By activating these categories, you can maximize your savings on everyday essentials. It’s akin to receiving a bonus for purchasing items you regularly need, making your routine spending more rewarding.

1% Cash Back on All Other Purchases

Every time you make a purchase outside the rotating categories, earn an unlimited 1% cash back. Whether it’s your morning coffee run, dining out with friends, or online shopping, you continue to earn rewards on every cent you spend. It’s a straightforward way to ensure your cash back accumulates steadily.

No Annual Fee

With the Discover it® Cash Back Credit Card, you can enjoy all the card’s benefits without the burden of an annual fee. This means you can reap the rewards of cash back without any additional costs, making it a budget-friendly option that offers value from the moment you start using it.

Cashback Match

At the end of your first year, Discover will double all the cash back you’ve earned. This effectively means that your rewards are multiplied, offering an exceptional value boost. It’s an effortless way to elevate your cash back benefits and enhance your overall earnings.

Free Access to Your FICO Credit Score

Monitor your credit health effectively with complimentary access to your FICO® Credit Score. This feature empowers you to track your financial progress and make informed decisions, giving you greater control over your personal financial management.

No Foreign Transaction Fees

When traveling abroad, use your card without worrying about foreign transaction fees. This feature makes it an ideal companion for international travel, allowing you to focus on enjoying your trip without incurring additional charges.

Purchase Protection

Shop with confidence, knowing your purchases are protected against damage or theft with purchase protection. This coverage ensures that your eligible items are safeguarded, providing peace of mind whenever you buy.

Extended Warranty

Benefit from extended warranty protection on eligible purchases, which adds an additional layer of security to new items. This feature prolongs the manufacturer’s warranty, ensuring you’re covered for longer.

Travel Accident Insurance

Gain added security during your travels with travel accident insurance, which provides coverage for accidents that may occur while you’re on the move. This protection offers reassurance, allowing you to travel with confidence.

Fraud Protection

Enjoy comprehensive fraud protection that keeps an eye on your account for any unauthorized transactions. This robust security feature ensures your account remains safe, giving you peace of mind with every purchase you make.

Redeeming Rewards

Enjoy flexibility and simplicity when redeeming your rewards. With the Discover it® Cash Back Credit Card, you can choose to redeem your cash back as a statement credit, direct deposit, or even gift cards. There’s no minimum redemption amount, allowing you to use your rewards in a way that best suits your needs and preferences, maximizing the value of your cash back.

Who Can Apply?

To be eligible for the Discover it Cash Back Credit Card, applicants generally need a good to excellent credit score, typically ranging from 670 to 850. Additionally, you must be at least 18 years old and a resident of the United States. Ensuring a stable income source will also bolster your application.

How to Apply?

1. Visit the Discover website.
2. Click on the “Apply Now” button on the Discover it Cash Back Credit Card page.
3. Fill out the application form with your personal information, including employment and financial details.
4. Review your application for accuracy.
5. Submit the application and await approval, which often comes within minutes.

FAQs

What is the APR for the Discover it Cash Back Credit Card?

The APR ranges based on your creditworthiness and other factors. For the most accurate information, visit Discover’s website or refer to your cardholder agreement.

Are there foreign transaction fees with this card?

No, the Discover it Cash Back Credit Card does not charge foreign transaction fees, making it a great option for international travel.

How do I activate the rotating categories for 5% cashback?

You can easily activate the categories each quarter through your online account or the Discover mobile app.

Can I transfer a balance from another card to the Discover it Cash Back Credit Card?

Yes, balance transfers are available. However, it’s important to review the terms and any fees associated with balance transfers.

CREDIT CARD

DISCOVER IT CASHBACK

UNTIL 5% CASHBACK NO ANNUAL FEE

GET CARD You will be redirected