This credit card is designed for those who want the best rewards.
Understand the conditions offered by this card and find out how to apply for it.
If you’re looking for improved conditions on a card, which aims to provide customers with greater comfort, savings and security, perhaps the Discover It Cash Back card is a good option for you, as it offers great rewards and unmissable offers.
With it you can get cash back on all your purchases, without exception, with different measures and percentages of your cash back, in different categories which are selected through quarterly rotations with prior activation.
We also have free monitoring options for customers and fraud protection, with quick access to digital cards in the event of loss.
To find out more about the Discover It Cash Back credit card, see below.
Discover It Cash Back
No annual fee High Variable APRHow does the Discover It Cash Back credit card work?
This card works on the basis of cashback as rewards and prizes throughout its use.
One measure of the card that proves its functions is precisely the Math cashback program, in which during your first year of using the card you can guarantee double cashback, which means that if, at the end of the first year of use, you get $150 cashback, Discover promotes double it, with a total of $300 being targeted.
In addition, the credit card has a digital platform for controlling your card, with the option of analyzing statements, balances, your rewards, transactions and payments at any time. However, this application is not only based on control and support for the proper use of your card, but also provides other unmissable services and tools.
Main benefits of the Discover It Cash Back credit card
As mentioned above, the Discover It Cash Back credit card offers great benefits and rewards, based on the Cash Back Match program, which gives you twice as much cash back as you earn during the year.
It also has 5% cash back in quarterly rotating categories (expenses such as supermarkets, gasoline, restaurants, etc.), with prior activation, and unlimited cash back with a percentage of 1% on all purchases using the card in any category, which means that there is no purchase made with the card that does not earn rewards.
Another point worth highlighting is the possibility of setting up a digital account through the Discover app, which is available to customers and users precisely so that you can guarantee the use of the card with support, as well as incredible tools, such as checking statements, balances, transfers, payments and other functions that are not just for the credit card, but also to enable greater management and administration of your finances.
As such, we can say that the Discover It Cash Back credit card is a great alternative for people who are looking for great rewards and can afford higher rates and interest than conventional credit cards outside the promotional period.
You will be redirected
Cons of the Discover It Cash Back credit card
Unfortunately, there are some aspects and points that make the card simply not such a pleasant option.
For example, the annual quarterly activation fee, which unfortunately for those who don’t manage their card well, they may not realize and end up not activating the promotions offered by Discover.
In addition, we can talk about the card’s lack of global acceptance, such as Visa and Mastercard, which unfortunately makes it a selective and less approached card.
It’s also worth noting that, after the 15-month promotional fee period, the regular APR can be considered quite high compared to other cards, which makes the fees considered one of the negative points of this credit card.
APR and fees
Another topic that is highly targeted and should be analyzed with peace of mind is fees and APRs, which are amounts that must be paid annually, or monthly, or even for each transaction, if there are embedded fees.
Discover offers a 0% introductory rate on purchases and balance transfers, which is valid for 15 months and can make a big difference to your finances. However, after this grace period, the regular APR provides a percentage rate of 17.24% to 28.24%, which will depend directly on your credit profile, but which is seen as high for many consumers.
How do I apply for an Discover It Cash Back credit card?
There are two different ways to apply for this card, both of which are quick and easy to access.
The first way is to go to the issuing bank’s website, where you can find card application tools. You can then select the card you are interested in, such as Discover It Cash Back. Subsequently, you will need to submit the personal documents required on the form, which will be analyzed in future stages to see if you are really able to obtain such a credit card.
Another possibility is to access your digital account login in the Discover app itself and go to the card application services, following the same steps and stages with the documentation.
Then, if your application is approved, you can wait for the card to arrive at the address indicated and activate it, so you can start using it.
