The Discover it Cash Back card has earned its reputation by offering a straightforward, user-focused rewards system. Instead of overwhelming users with confusing terms or hidden rules, it provides 5% cashback in rotating categories and 1% on everything else. Add in the unique Cashback Match during the first year, and the value becomes immediately clear.
Designed for consumers who want to earn without hassle, the card also offers free credit tracking, a mobile-friendly experience, and reliable support. It’s more than just a way to pay—it’s a smart tool for managing spending and building better financial habits.
Key Benefits That Set It Apart
1. Rotating 5% Cashback Categories
Discover refreshes its bonus categories every three months, allowing users to earn 5% back in areas like grocery stores, gas stations, and streaming platforms. Users can activate each category easily through the app or website and start earning higher rewards instantly.
2. Unlimited 1% on All Other Purchases
For every purchase outside of the rotating categories, users earn 1% cashback—automatically. There are no complex conditions or limits, making this ideal for everyday spending.
3. Cashback Match for New Members
At the end of the first 12 months, Discover matches all cashback earned during that period. It’s an effortless way for new cardholders to double their rewards without tracking or enrolling in anything.
4. Easy and Flexible Redemption Options
Users can redeem cashback as a statement credit, deposit, charitable donation, or even use it to pay at select online retailers. This variety ensures that the rewards feel useful and personal.
5. Redeem With No Minimum Threshold
Whether someone earns $2 or $200, they can access their cashback at any time. Discover removes the common restriction of minimum redemption amounts seen in other cards.
6. U.S.-Based Customer Support
Discover offers around-the-clock customer service, all based in the United States. Users can count on professional, friendly help when needed.
7. Access to Credit Score Updates
Each billing period includes access to the user’s FICO Score, making it easier to track and understand changes to one’s credit standing over time.
8. Card Security With Freeze It
The Freeze It function lets cardholders temporarily block new transactions instantly, directly from the app—ideal for misplaced cards or suspected fraud.
9. International Purchases Without Extra Fees
Whether shopping online from international stores or traveling abroad, cardholders won’t pay foreign transaction fees, making this a good option for cross-border activity.
Qualification Requirements
1. Legal Age Required: Applicants must be 18 years of age or older, or the age of majority in their state of residence.
2. Must Be a U.S. Resident: This card is available exclusively to U.S. citizens and legal residents with a Social Security number.
3. Good Credit Encouraged: A FICO Score of around 670 or higher typically improves approval chances. Discover does review credit history as part of the application process.
4. Reliable Source of Income: Applicants must demonstrate that they have stable income to meet financial obligations tied to the card.
5. Clean Recent Credit Activity: Recent bankruptcies, delinquencies, or excessive late payments may lower the chances of approval. A positive recent credit history is important.
6. Avoid Multiple Recent Applications: Applicants with fewer recent credit inquiries are more likely to be approved. Too many applications in a short period can signal risk.
How to Apply
1. Visit Discover’s Application Page: Go to the official Discover website and locate the Discover it Cash Back card to begin the online application process.
2. Enter Required Information: Applicants must provide their name, income, address, Social Security number, and employment details.
3. Review Terms and Disclosures: Before submitting, carefully review interest rates, rewards terms, and any other relevant policies.
4. Submit the Form: After completing the required fields, submit the application. Some users receive instant decisions, while others may be contacted for additional documentation.
5. Provide Any Needed Verification: If requested, applicants should promptly submit documents to verify identity or income, which helps avoid delays.
6. Activate and Begin Using: Upon approval, cardholders can activate their card via Discover’s secure site or mobile app and begin earning rewards immediately.
Frequently Asked Questions
Do I have to activate each 5% cashback category?
Yes. Each quarter’s bonus category must be activated to earn 5% cashback in that area. Activation is simple and can be done online or via the mobile app.
What is Cashback Match and how does it work?
Discover matches all cashback earned in the first 12 billing cycles and deposits the matched amount to the account after the year ends. It’s automatic and requires no registration.
Can I use the cashback rewards however I want?
Yes. Cashback can be redeemed in multiple ways with no expiration, as long as the account remains open and in good standing.
Does Discover charge hidden fees?
No. Discover is known for transparency. There are no foreign transaction fees or hidden costs attached to this card.
