Discover It Cash Back: Unlock more benefits

Discover more about this incredible credit card

Discover IT Cashback can offer benefits such as:

• You can earn 5% cashback on purchases up to $1,500 per quarter on rotating categories if you activate the bonus program.
• If activated, the cashback match program can double all the money you will earn in the first year of using your credit card.
• There is no annuity fee, overseas transaction fee, APR penalty or introductory late payment fee.
• You have 14 months of 0% balance transfer and APR clearance. After this period, the APR can vary between 11.99% and 22.99%.
• Discover has a renowned track record of credit card satisfaction, making it a leading card issuer and customer service provider.

In addition to all these great cashback benefits, the Discover It Cashback card has a few other perks. But if you’re looking for a credit card with added perks like travel and shopping protection, you might want to look elsewhere.

In order to focus on cashback offers and offer exclusive rewards and low program perks, the It Cash Back Credit Card doesn’t offer much beyond that. But these benefits can make the card worth it, particularly in the first year.

Cashback Match Can Bring A Profitable First Year

Although the Discover It Cashback credit card does not come with the additional sign-up bonus, the Cashback Match feature offered by the card can make it even more interesting and better than many credit cards that do not offer cashback on your purchases.

When you reach the spending limit set for the quarter in categories with 5% revolving card bonuses, you end up being worth more than you deserve.

In other words, the Cashback Match program works like this: when you reach the end of your first year of membership with the It Cash Back Credit Card, Discover will record all your rewards earned over the period. It is worth noting that this does not mean that all your rewards will be doubled.

What will happen is that you will have all cashback rewards earned after the first 12 consecutive billing periods will be doubled, even if they have already been redeemed.

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That is, at the end of the first year of the card you will receive at least 2% cashback on all your purchases, 1% cashback on purchases and an additional 1% Discover Cashback Match.

Additionally, if you activate your 5% bonus category within the first 12 months you can accumulate a full 10% cashback on selected categories before reaching your spending limit.

Upon reaching the threshold, the base cashback rate reduces to 1% cashback plus an additional 1% cashback at the end of 12 consecutive billing cycles.

What is Discover 5% Cashback and how does it work?

See exactly how the 5% bonus category works and how you can exploit it, taking advantage of the opportunity to earn a 5% cashback with a limit of up to $1,500 of spending on purchases that fall within the activated categories announced each quarter.

After reaching the $1,500 spending limit, the Discover It Cashback credit card will offer a reward of only 1% cashback. Bonus categories usually involve several popular categories, whether seasonal or retail.

As an example, if your first three months bonus categories are grocery stores and pharmacies, you can receive 5% cashback on purchases made at stores like CVS and Walgreens, until you reach your spending limit of $1,500. After reaching it, the refund is 1%.

Select a bonus category

By activating your bonus category, you have no influence on which categories will receive the 5% cashback, but there are other options, such as the Bank of America card you can select from.

With the Discover It Cash Back Credit Card, the rewards program is very generous, especially in the first year, in addition to the low cost of the card. You can receive 5% cashback on selected categories each quarter and after reaching the $1,500 spending limit, 1% cashback.

How to Apply for the Discover It Cash Back

If you’re ready to apply for the Discover It Cash Back credit card, follow these simple steps:

1. Visit the Discover Website

• Go to the official Discover website by typing www.discover.com into your browser’s address bar.
• On the homepage, navigate to the “Credit Cards” section and find the Discover It Cash Back card option.

2. Review the Card Details

• Click on the Discover It Cash Back card to see a detailed overview of the card’s benefits, cash-back rewards, and terms. Make sure you fully understand the key features, like the 5% cash back on rotating categories and no annual fee.

3. Click “Apply Now”

• Once you’re ready, click the “Apply Now” button, which will take you to the application form.

4. Fill Out the Application Form

• Enter your personal information, including your full name, address, date of birth, Social Security number, and contact information.
• Provide details about your employment status and annual income to help Discover assess your creditworthiness.

5. Review Terms and Conditions

• Carefully read through the terms and conditions before submitting your application. This will cover important details like APR, late fees, and cash-back rewards rules.

6. Submit the Application

• After completing the form, click “Submit” to send your application for review. Discover will process your application, and you’ll typically receive a decision within minutes.

7. Receive Your Card

• If approved, you will receive your Discover It Cash Back card in the mail within 7-10 business days. You can then activate it and start earning rewards on your purchases.

By following these steps, you’ll be on your way to enjoying all the benefits that the Discover It Cash Back card has to offer!

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