Discover it® Cash Back: Full Review

Maximize your everyday spending with a smart credit card that gives back! Explore generous rewards with the Discover it® Cash Back Credit Card!

This card helps boost your savings by turning everyday spending into meaningful rewards. Packed with valuable perks and a standout cashback program, the Discover it Cash Back Credit Card makes each swipe more rewarding. Enjoy the satisfaction of earning as you spend while gaining benefits that support your financial goals and lifestyle.

With the Discover it Cash Back Credit Card, every purchase becomes a smart move. Featuring 5% rotating categories and zero annual fee, this card is built for flexibility and value. Forget confusing reward systems and enjoy simple, generous cashback that stretches your money further every time you use it.

Discover It Cashback Credit Card Benefits

• 5% Back in Quarterly Categories: Earn an impressive 5% back in changing categories each quarter—like groceries, fuel, and more. Just activate the offers and watch your rewards add up as you spend on daily essentials.
• 1% Back on All Other Spending: Get 1% unlimited cash back on all other purchases, no matter where you shop. From meals to online buys, your spending constantly earns you extra money.
• No Annual Fee Ever: Forget about annual fees with this card. Enjoy its full range of perks and cashback opportunities without any yearly charges eating into your savings.
• First-Year Cashback Match: Discover will match all the cashback you earn in your first year—dollar for dollar. It’s a simple and powerful way to double your rewards automatically.
• Free FICO Score Access: Monitor your credit with free access to your FICO® Score. Stay informed and take control of your financial health with this helpful feature.
• Zero Fees on Foreign Purchases: Use your card overseas without paying foreign transaction fees. Whether for business or pleasure, travel stress-free and save on every purchase abroad.
• Built-In Purchase Coverage: Your eligible purchases are protected from theft or damage for added peace of mind. Shop smarter knowing your items are covered after checkout.
• Extended Product Warranty: Qualifying purchases receive additional warranty coverage, giving you more time and protection beyond the manufacturer’s guarantee.
• Travel Accident Coverage: Gain travel accident insurance when you pay with your card. Feel secure knowing you have extra protection during domestic and international trips.
• Real-Time Fraud Monitoring: Stay protected with strong fraud detection tools that monitor your account around the clock, keeping your information and transactions secure.
• Easy Cashback Redemption: Redeem your rewards the way you want—statement credit, deposit, or gift cards. There’s no minimum required, so you’re free to use your cashback anytime.

Who Can Apply?

The Discover it Cash Back Credit Card is open to applicants who meet basic qualifications. You’ll need a solid credit background, a reliable source of income, and be at least 18 years old. U.S. residency is usually required. For full eligibility details, it’s best to check directly with Discover or visit their official site.

How to Apply?

1. Go to the Discover site or use the mobile app.
2. Fill out the digital form with your personal and financial info.
3. Send in your application and await approval.
4. Once approved, activate your card and begin using your benefits.

Discover It Cashback Credit Card – FAQs

How do I check my FICO Score?
Access your FICO Score for free through your Discover account online or using the mobile app.

Can I add another user to my card?
Yes, you can include authorized users, allowing them to make purchases and earn rewards.

What if I lose my card?
Immediately contact Discover’s support team to block the card and ask for a new one.

How do I activate the 5% cashback categories?
Log into your Discover account on the website or app and activate the categories for the quarter.

How do I reach Discover customer support?
Call the number on the back of your card or visit Discover’s website for more ways to get help.