Aprenda cómo solicitar la tarjeta de crédito Discover It Cash Back

Important Things to Consider Before Applying for the Discover It Cash Back Credit Card

With the Discover It card, you can receive cash back of up to 5% on eligible purchases in rotating categories selected quarterly by Discover!

The Discover It credit card provides a chance to earn up to 5% unlimited cash back on purchases within specific categories that are selected every quarter by Discover!

Receive 5% in cash back rewards through the Discover Cashback Calendar program.

Once every quarter, the financial institution unveils a new selection of qualifying categories for the 5% cash back reward, which frequently changes to include everyday purchase categories, ensuring coverage for the most commonly made transactions.

Hence, Discover It has already chosen various categories like grocery stores, drugstores, fuel stations, streaming services, and even travel. A flat 1% cash back is applicable for all other transactions.

When it comes to redeeming cash back, you have multiple options such as depositing it directly into your bank account, applying it as a statement credit, or utilizing it for purchases on Amazon.com and PayPal.

Additionally, the credit card offers a generous match of all cashback earned by the cardholder throughout the first year, without any limitations.

Suppose you manage to accumulate $300 in cashback rewards, you will also be eligible to receive an extra $300 as a form of extended benefit for clients.

To qualify for Cashback Match, there’s no need to enroll; just make purchases with the card, and the unlimited match will be applied automatically.

If you think that Discover’s Cash Back might enhance your everyday routine, keep on reading.

Eligibility Requirement

Explore comes with particular criteria, such as being a legal resident of the U.S. with an operational bank account and a Social Security number.

Moreover, it is required to be a grown-up of 18 years or above, or 19 in specific states.

When it comes to income, it is vital to present evidence of yearly earnings, as this factor significantly affects the determination of the credit limit.

It is more probable to get approval for the Discover It Cash Back card if you have a positive credit history, usually indicated by a credit score between 670 and 850.

Therefore, those who have not achieved this level of creditworthiness are encouraged to focus on enhancing their credit. Various credit cards are designed specifically for this objective, offering suitable choices.

What is the Procedure for Applying for the Discover It Cash Back Credit Card?

To start the application process, head over to the Discover’s site and choose the “Apply Now” feature.

Upon accessing the platform, users will be required to provide essential details, including their ZIP code, the final numbers of their Social Security number, and their date of birth.

Throughout the application process, Discover might ask for more contact information and details regarding income, such as the applicant’s name, address, email, phone number, and monthly income.

During this application process, individuals might need to submit additional paperwork, like verification of their address and earnings, such as recent salary slips and financial statements.

After filling out the form, Discover performs a thorough evaluation of the credit line, encompassing a review of the applicant’s credit score.

Más información

During a period of 15 months, the introductory APR for purchases is set at 0%, while for balance transfers it is 3%. After this period, the variable APR for purchases ranges from 17.24% to 28.24%, and for balance transfers, it is 5%.

Discover offers a selection of 25 exclusive card designs for users to choose from, setting it apart from other options. Additionally, the application process is known for its efficiency.

Enhance your experience with the Discover card by taking advantage of extra benefits like enhanced online security features that can be enabled using the Discover app.

If a user’s card is lost or stolen, they have the option to quickly prevent all transactions by using the Freeze It functionality, which can be activated by toggling the on/off button in the app or website.

In addition, cardholders receive protection against fraud liability for any unauthorized transactions made using the card.

Looking to explore a different choice?

If you are looking for a solution to manage your debts more efficiently through a balance transfer service, Discover It provides a card designed specifically for this purpose.

The card includes additional perks for added security and peace of mind. Learn more about the application process.

Escrito por

Jonatas Rafael