The Discover It Cash Back Credit Card is a great option for those who want to save money on everyday purchases. With up to 5% cash back in rotating categories and unlimited 1% on all other transactions, it’s a flexible card that rewards your daily spending.
What Should You Know Before Applying?
This credit card stands out because it offers 5% cash back in different spending categories that change every three months, following Discover’s rewards calendar.
In past years, categories have included gas stations, supermarkets, restaurants, streaming services, pharmacies, and travel expenses—making it easy to earn rewards where you spend most.
For all other purchases outside the selected categories, cardholders receive 1% unlimited cash back, ensuring consistent benefits across different expenses.
Another highlight is Discover’s Cashback Match: at the end of your first year, all the cash back you earned is automatically doubled. If you earned $250, Discover adds another $250, giving you a total of $500 with no extra steps.
Discover It Cash Back – Key Features
- ✅5% cash back in rotating categories
- ✅1% unlimited cash back on all other purchases
- ✅Cashback Match in the first year
- ✅No annual fee
- ✅Wide acceptance worldwide with the Visa/Mastercard network
Who Can Apply?
Applicants must be legal residents of the U.S., have a valid Social Security number, and meet the minimum age of majority in their state (usually 18 or 19).
You’ll also need to show proof of income to determine your credit line. While Discover welcomes a broad audience, people with a good or excellent credit score (670+) generally receive better conditions and faster approval.
How to Apply for the Discover It Cash Back Card
To start, go to Discover’s official website and click on “Apply Now.” The form will ask for:
- Full name and address
- Email and phone number
- Date of birth and Social Security number
- Current income and employment status
In some cases, Discover may request extra documents, like bank statements or pay stubs, to verify your information.
The application is fully online and quick to complete. Many applicants receive an instant response once the form is submitted.
More Benefits
This card offers an introductory 0% APR for 15 months on purchases, plus a variable APR afterward based on your credit profile. Balance transfers start with a 3% introductory fee.
You can also choose from over 20 card designs to personalize your credit card.
For security, Discover provides fraud monitoring, free alerts, and the Freeze It feature, which lets you lock your card instantly through the app if needed.
* You will be directed to an external website