The Discover it® Cash Back card is a strong contender for anyone seeking a credit card with robust rewards and consumer-friendly policies.
It has become a top pick for budget-conscious shoppers and credit-building newcomers alike.
This article walks you through how to apply, what information you’ll need, the card’s key features, interest rates, fees, and contact information.
Why Apply for the Discover it® Cash Back Card?
Before diving into the application steps, here’s a look at why this card is worth considering.
5% cash back in rotating quarterly categories (on up to $1,500 in combined purchases, upon activation) and 1% unlimited cash back on all other purchases.
Discover automatically matches all the cash back you’ve earned at the end of your first year. There is no annual fee, no fee for the first late payment, and no penalty APR.
These benefits make the Discover it® Cash Back card a smart long-term card, especially for those who want to maximize cash back without annual costs.
Additional Benefits Worth Noting
Also consider:
- No Penalty APR: Your rate won’t increase if you miss a payment.
- Free FICO® Credit Score: Included with your online account access.
- U.S.-Based Customer Service: 24/7 assistance.
- Fraud Protection: $0 fraud liability guarantee on unauthorized charges.
- Flexible Redemption Options: Redeem your cash back as direct deposit, statement credit, gift cards, or even at Amazon.com checkout.
How to Apply: Step-by-Step Breakdown
Before applying, you can see if you’re pre-approved without affecting your credit score.
Visit Discover’s pre-approval page and provide basic information to check your eligibility.
1. Start Online
Visit Discover’s official website and look for the Discover it® Cash Back card page.
Click on “Apply Now” to begin the application process.
2. Initial Identification Step
You will be asked for Zip Code, Social Security Number (SSN), and date of birth.
This step helps Discover verify your identity and determine eligibility before proceeding further.
3. Complete the Full Application Form
Once verified, you will be taken to a full application form divided into several sections:
Choose Your Card Design
Discover offers several customizable card designs, including basic colors, patterns, and select graphics. Pick your preferred one.
Personal Information
Full Legal Name, Email Address, Mobile Number, U.S. Citizenship Status, Residential Address (no P.O. boxes).
Household and Financial Information
Include all income sources (job, side income, spouse’s income if shared, etc.), Monthly Housing or Rent Payment, and Employment Status.
Review the Terms & Conditions, which include APR details, cash advance fees, and billing policies.
You’ll need to check a box certifying your agreement to the terms and your intent to apply.
4. Submit the Application
Double-check all information for accuracy. Click “Submit” to finalize.
You may receive instant approval, though some applications take a few business days for review.
What Happens After You Apply?
Many applicants receive approval in under 60 seconds. If more information is needed, Discover may contact you by phone or email.
Once approved, expect your Discover it® card in 7 to 10 business days by mail.
Follow the enclosed instructions or activate online or via the Discover mobile app.
Interest Rates and Fees
It’s crucial to understand the costs associated with this card. Here’s a full breakdown:
| Fee Type | Details |
| Intro APR | 0% on purchases and balance transfers for 15 months |
| Standard APR | 18.24%–27.24% variable, based on creditworthiness |
| Balance Transfer Fee | Intro: 3% on transfers made within 60 days; then up to 5% |
| Cash Advance Fee | Either $10 or 5% of the cash advance amount, whichever is greater |
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Minimum Interest Charge | $0.50 |
All rates are variable and may change with the Prime Rate. Make sure to read the final disclosures before submitting your application.
Discover it® Cash Back Card vs. Competitors
Consider:
| Feature | Discover it® Cash Back | Chase Freedom Flex℠ | Citi Custom Cash℠ Card | Wells Fargo Active Cash® |
| Annual Fee | $0 | $0 | $0 | $0 |
| Welcome Bonus | Cashback Match – all cash back earned in year one is doubled | $200 after spending $500 in 3 months | $200 after spending $1,500 in 6 months | $200 after spending $500 in 3 months |
| Cash Back Rate | 5% in rotating categories (on up to $1,500/quarter, then 1%) + 1% on others | 5% on rotating quarterly categories + 5% on travel via Chase + 3% dining/drugstores + 1% others | 5% on top eligible spend category (up to $500/month), then 1% on others | Unlimited 2% on all purchases |
| Cashback Redemption | Statement credit, bank deposit, gift cards, Amazon.com checkout | Statement credit, direct deposit, travel, gift cards | Statement credit, direct deposit, checks | Statement credit, direct deposit, travel, gift cards |
| Intro APR (Purchases) | 0% for 15 months | 0% for 15 months | 0% for 15 months | 0% for 15 months |
| Intro APR (Balance Transfers) | 0% for 15 months (3% fee) | 0% for 15 months (5% fee) | 0% for 15 months (5% fee) | 0% for 15 months (3% fee) |
| Ongoing APR | 18.24%–27.24% variable | 20.49%–29.24% variable | 19.24%–29.24% variable | 20.24%–29.99% variable |
| Foreign Transaction Fee | None | 3% | 3% | 3% |
| Unique Feature | Cashback Match doubles rewards in year one | Chase Offers + access to Chase Ultimate Rewards® | Automatically adapts to top spending category | Flat 2% unlimited cash back with no categories |
Contact Information
For help or inquiries regarding the Discover it® Cash Back card:
- Customer Service (U.S.): 1-800-DISCOVER (1-800-347-2683)
- International Contact: +1-801-902-3100
- Mailing Address: Discover Financial Services P.O. Box 30943 Salt Lake City, UT 84130-0943
You can also reach support through Discover’s mobile app or online messaging portal.
Final Thoughts
The Discover it® Cash Back card offers top-tier rewards with no annual fee, strong consumer protections, and tools to build or maintain good credit.
It’s particularly useful for people who actively spend in quarterly bonus categories.
If you’re ready to earn more from everyday purchases, this card is a worthwhile addition to your wallet.
Disclaimer: This article is intended for informational purposes only and does not constitute financial advice. Card terms and rates are subject to change. Always verify current terms directly through Discover before applying. Approval is subject to Discover’s credit criteria and verification processes.
