💳 Discover it® Cash Back Card – Full Details (2025)
✅ Key Features & Benefits
- 5% Cash Back on Rotating Categories: Earn 5% cash back on up to $1,500 in purchases each quarter in rotating categories like grocery stores and wholesale clubs, upon activation. All other purchases earn 1% cash back. wallethub.com+6U.S. News Money+6FinanceBuzz+6
- Unlimited Cashback Match: At the end of your first year, Discover will automatically match all the cash back you’ve earned. There’s no limit to how much is matched. wallethub.com+7discover.com+7thesmartinvestor.com+7
- No Annual Fee: Benefit from all these features without any annual fee. discover.com
- 0% Introductory APR: Enjoy a 0% introductory APR for 15 months on purchases and balance transfers; thereafter, a variable APR applies.
- Free FICO® Credit Score: Monitor your credit score for free with Discover’s FICO® Credit Score service. discover.com+4discover.com+4investorrelations.discover.com+4
📋 Eligibility Criteria
- Credit Score: Good to excellent credit score recommended (typically 670 or higher).
- Age: Must be at least 18 years old.
- Residency: U.S. citizen or permanent resident.
📄 Required Documents
- Government-Issued ID: Valid identification such as a driver’s license or passport.
- Social Security Number (SSN): For identity verification.valuedyou.com+13Bankrate+13Masformulas+13
- Proof of Income: Recent pay stubs, W-2 forms, or tax returns to verify income.
- Employment Information: Details about your current employment status.
📝 Step-by-Step Application Process
- Visit the Official Website: Go to the Discover it® Cash Back Card page.discover.com
- Click “Apply Now”: Initiate the application process.
- Fill Out Personal Information: Provide your name, address, date of birth, and contact details.
- Enter Financial Details: Include your SSN, employment information, and annual income.
- Review Terms and Conditions: Carefully read the card’s terms before proceeding.
- Submit Application: Once all information is entered, submit your application for review.
- Await Decision: You may receive an instant decision or be notified after further review.
📌 Summary
| Feature | Details |
|---|---|
| Cash Back | 5% on rotating categories (up to $1,500 quarterly), 1% on all other purchases |
| Cashback Match | Unlimited match of all cash back earned in the first year |
| Introductory APR | 0% for 15 months on purchases and balance transfers |
| Annual Fee | $0 |
| Recommended Credit Score | 670 or higher |
| Application Methods | Online via Discover’s official website |
✅ Frequently Asked Questions (FAQ)
1. What is the Discover it® Cash Back Card?
Answer: It’s a credit card offering 5% cash back on rotating categories (upon activation) and 1% on all other purchases, with no annual fee.
2. What is the cashback match feature?
Answer: Discover automatically matches all the cash back you’ve earned at the end of your first year — with no limit.
3. What credit score is needed for approval?
Answer: A good to excellent credit score (typically 670 or above) is recommended.
4. Is there an annual fee?
Answer: No, the Discover it® Cash Back Card has no annual fee.
5. Does it have a 0% APR offer?
Answer: Yes, there’s a 0% intro APR for 15 months on purchases and balance transfers.
6. What documents are required to apply?
Answer: You’ll need a government-issued ID, SSN, proof of income (pay stubs, W-2s), and employment details.
7. How can I apply for the card?
Answer: You can apply online via the official Discover website.
Description
Explore Discover it® Cash Back Card 2025: 5% cashback, $0 annual fee, 0% APR for 15 months. Check eligibility, benefits & how to apply step-by-step.