If you’re thinking about getting the Discover it Cash Back card, the application process is quick, simple, and user-friendly. Along with strong rewards, this card is known for fast approval and flexible features. Here’s what you need to know before applying.
Fees and Interest
There’s no annual fee, and Discover offers a 0% intro APR for 15 months on purchases and balance transfers. After that, the variable APR ranges from 18.24% to 27.24%, depending on your credit.
Another great benefit: no foreign transaction fees—perfect if you shop or travel abroad. Balance transfers come with a 3% fee during the intro period, which may increase to 5% later.
Who Can Apply?
The Discover it® Cash Back card is best for applicants with good to excellent credit—typically a FICO® Score of 670 or higher. While there’s no specific income requirement, Discover reviews your credit history, debt load, and financial background.
To qualify, you must:
- Be 18 or older
- Be a U.S. resident
- Have a valid SSN or ITIN
How To Apply For Discover It Cash Back
You can apply directly through the Discover website, where a pre-approval tool lets you check your eligibility without impacting your credit score.
Just fill out the form with your personal, income, and housing details. Once submitted, you’ll typically get a decision within minutes. If approved, you’ll receive immediate access to a virtual card number while your physical card is on the way.
The Discover it® Cash Back card is a standout choice for anyone looking for customizable rewards, first-year Cashback Match, and a no-fee experience. Easy to apply for and packed with value, it’s perfect for smart spenders who want to maximize returns on everyday purchases.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://boisla.com/category/credit-cards/
