Discover It Cashback Credit Card Review

The Discover It Cashback Credit Card is your ultimate tool to earn incredible cashback rewards on everyday spending, with unmatched perks and no annual fee!

The Discover It Cashback Credit Card is one of the most rewarding credit cards available, offering generous cashback opportunities on everyday spending categories and an unbeatable Cashback Match for new cardholders. 

With its rotating 5% cashback categories and unlimited 1% cashback on all other purchases, this card ensures every swipe works harder for you. Whether you’re dining out, filling up your tank, or shopping online, the Discover It Cashback Credit Card turns your everyday transactions into a seamless way to earn rewards.

This card isn’t just about earning—it’s also about convenience, transparency, and customer-first features. With no annual fee, free FICO Credit Score access, and robust fraud protection, the Discover It Cashback Credit Card is designed to simplify your finances while delivering maximum value. If you’re looking for a card that rewards you generously and offers unparalleled peace of mind, this is the perfect choice.

CREDIT CARD

Discover It Cashback

Earn 5% cash back Unlimited Cashback Match

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Benefits of the Discover It Cashback Credit Card

1. Generous 5% Cashback on Rotating Categories

Earn 5% cashback on everyday spending categories that rotate each quarter, such as gas stations, grocery stores, restaurants, or online shopping, up to the quarterly maximum (after activation). This feature ensures you earn rewards on the expenses that matter most to you throughout the year.

2. Unlimited 1% Cashback on All Other Purchases

For all purchases outside the 5% categories, enjoy 1% unlimited cashback, ensuring you’re always earning rewards no matter what you’re buying. Every dollar spent adds to your rewards balance, helping you maximize your spending power.

3. Cashback Match for New Cardholders

Discover will match all the cashback you earn at the end of your first year as a new cardholder. Whether you earn $200 or $1,000 in cashback, they’ll double it—automatically! This unmatched welcome bonus sets the Discover It Cashback Credit Card apart from the competition.

4. No Annual Fee

Keep all your rewards with no annual fee, making this card a cost-effective option for maximizing cashback and managing your finances responsibly.

5. Free FICO Credit Score

Track your credit health for free with access to your FICO Credit Score, included with your account. This valuable tool helps you monitor your progress and improve your financial habits.

6. Fraud Protection and Zero Liability

Stay protected with Discover’s advanced fraud monitoring and $0 liability for unauthorized transactions. Your financial safety is a top priority.

7. Introductory APR Offer

Enjoy a 0% intro APR on purchases and balance transfers for the first 15 months. This feature is perfect for managing large purchases or consolidating high-interest debt.

8. No Foreign Transaction Fees

Travel confidently with no foreign transaction fees on purchases made abroad. The Discover It Cashback Credit Card is a great companion for international trips or online shopping with global retailers.

9. Redeem Rewards Anytime

Your cashback rewards never expire and can be redeemed at any time with no minimum requirement. Whether you want to use $1 or $100, the choice is yours.

10. Customizable Alerts

Set up alerts for due dates, spending limits, and suspicious activity, ensuring you stay in control of your account and finances.

11. Freeze It Feature

Temporarily freeze your card if it’s lost or stolen to block new purchases, cash advances, or balance transfers. Once you locate your card, simply unfreeze it through the app or website.

12. Flexible Redemption Options

Redeem your cashback for statement credits, direct deposits, gift cards, or at checkout with partner retailers like Amazon. This flexibility ensures you can use your rewards in a way that best suits your needs.

Who Can Apply for the Discover It Cashback Credit Card?

Eligibility criteria for the Discover It Cashback Credit Card:

1. Age: Must be at least 18 years old.
2. Residency: Must be a U.S. resident with a valid Social Security Number.
3. Credit History: A good to excellent credit score improves your chances of approval.
4. Income: Demonstrate sufficient income to meet repayment obligations.
5. Identification: Provide proof of identity and residency during the application process.

How to Apply

1. Visit Discover’s Website: Go to the Discover It Cashback Credit Card page.
2. Check Prequalification: Use Discover’s prequalification tool to see if you’re eligible without impacting your credit score.
3. Complete the Application: Fill out the online application form with personal, financial, and contact details.
4. Submit Documents: Provide any additional documentation if requested.
5. Await Approval: Discover typically provides an instant decision, and your card will be mailed once approved.

Frequently Asked Questions

How do I activate the 5% categories?

You can activate categories online or through the Discover app each quarter for free.

How do I redeem rewards?

Rewards can be redeemed for statement credits, direct deposits, gift cards, or at partner retailers like Amazon.

Do rewards expire?

No, your rewards never expire as long as your account is open.

How do I track my rewards?

Monitor your rewards in real time through the Discover app or online banking platform.

CREDIT CARD

Discover It Cashback

Earn 5% cash back Unlimited Cashback Match

APPLY NOW You will be redirected