Discover it Cash Back – How to Apply

By Raquel Oliveira • 03/05/2025

The Discover it Cash Back card offers rewards structure with 5% cashback on rotating categories.

With 5% cashback on rotating categories like dining, groceries, and gas (up to a quarterly maximum) and 1% cashback on all other purchases, the Discover It Cash Back card lets you earn more where you spend the most.

Whether you’re a foodie, frequent commuter, or someone who strategically spends in specific categories, this card helps you maximize rewards effortlessly.

Its standout feature is the 5% cashback on rotating categories, which change every quarter. If your spending aligns with these categories, you can significantly boost your rewards throughout the year.

With no annual fee and the ability to earn cashback on every purchase, the Discover It Cash Back card delivers great value while keeping things simple and rewarding.

How the Card Works and the Discover it Cash Back?

The Discover it Cash Back stands out for its rewards program based on categories of presses. Each quarter, users can activate selected categories to receive a 5% rebate on your purchases, up to a limit of $1,500 in spending per quarter.

This equates to a maximum of $75 in rewards quarterly if you make the most of the categories selected. In addition, all other purchases outside of the categories selected accumulate a refund fixed 1%, ensuring a steady profit.

The option of matching the end of the first year, doubling the rewards accumulated. Making it one of the most attractive features to new owners.

Requirements to Apply for the Card and the Discover it Cash Back

Apply for the Discover it Cash Back is a simple process and quick. The requirements include:

• To be of age and reside in the united States.
• Have a credit history, sufficient to comply with the approval criteria of Discover.
• Providing personal and financial information accurate at the time of application.

The procedure is completely online and you can get a response in a matter of minutes.

Main Benefits

• Advanced protection against Fraud: The card includes real-time alerts about potential suspicious activity and ensures your transactions, even if you lose the card or it is stolen.
• Cash rebate of 5%: The card offers a 5% rebate on selected categories, such as restaurants, service stations and supermarkets, as long as the assets on a quarterly basis.
• Match of the Refund at the End of the First Year: One of the most notable benefits is the matching of the refund at the end of the first year. Discover matches each dollar you’ve earned in rewards, doubling your profits.
• Access to Financial Tools: Get free access to your FICO score, which allows you to monitor your credit history and learn how to make it better. In addition, the app of the Discover makes it easy to track your spending and rewards active.
• No Annual Fees: The card charges no annual fee, which makes it an economical option for those looking to maximize their rewards without additional costs.

Financial management Simplified with Digital Tools

The Card and the Discover it Cash Back offers its holders a mobile application intuitive that allows you to monitor expenses in real-time, make payments and manage rewards in a simple way.

Advantages and Disadvantages of the Card

Advantages:

• Refund competitive 5% in selected categories.
• Match of the reimbursement accrued during the first year.
• No annual fees, great for a economical to use.
• Free access to your FICO score and monitoring tools of finance.
• Advanced protection against fraud and excellent customer service.

Disadvantages:

• It is necessary to manually select categories each quarter in order to access the 5% rebate.
• The limit of $1,500 in quarterly expense restricts the potential for rewards in the selected categories.
• The acceptance of Discover may be limited in certain countries outside of the united States.

For Whom is Ideal for the Card?

The card and the Discover it Cash Back is perfect for:

• Consumers looking for high rewards: If you are strategic with your spending into categories presses, you can maximize the 5% rebate.
• Those who want simplicity financial: No annual fees, and with tools such as free access to a FICO score, is ideal for a financial management simple.
• Users who plan to use the card primarily in the united States: Although it is widely accepted in the country, its international acceptance may be limited.
• People who value the protection and service: With real-time alerts, and customer service-highly skilled, this card provides peace of mind.

How to Apply for the Card and the Discover it Cash Back

Apply for the Discover it Cash Back is fast and efficient. Follow these steps:

1. Access the official website of Discover.
   There you will find the online application form.
2. Complete the application.
   Provides basic information, such as your name, address and financial details relevant.
3. Sends the request.
   Once shipped, you will receive an answer in minutes on the status of your approval.
4. Receive your card.
   If approved, your card will be sent to your address in few days.

Conclusion

The Credit Card and the Discover it Cash Back combines flexibility, rewards, attractive and tools of financial management to offer a superior user experience.

In addition, it provides free access to the FICO score and advanced protection against fraud, ensuring peace of mind on every transaction.

With a focus on simplicity and benefits as the equalization of the refund at the end of the first year, this card is positioned as an excellent option for those who want to maximize their daily purchases without worrying about additional fees.

If you’re looking for a card that combines substantial benefits, advanced security and ease of use, the Discover it Cash Back is an ideal choice. Apply today and start enjoying all the exclusive benefits designed for your needs.