Credit Card
Discover it® Cash Back Credit Card Review: Boost Earnings
Discover the many advantages of the Discover it® Cash Back Credit Card in our review. Learn how it can transform your daily spending and rewards with cash back, low APR, and much more!
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Unveil the secrets to maximizing your cash back with our expert review
In this distinct Discover it® Cash Back Credit Card review, we’ll analyze every feature that makes this card stand out.
Apply for the Discover it® Cash Back Credit Card
Learn the steps to apply for the Discover it® Cash Back Credit Card and enjoy its hefty welcome bonus. Check our quick and simple guide!
With its impressive rewards program and user-friendly perks, the Discover it® Cash Back shines. So keep reading and learn more!
| Credit Score | Ideal for those with scores from 670 upwards. |
| Annual Fee | Absolutely no annual fee, making it a savvy choice. |
| Purchase APR | Lengthy low APR of 0% for the first 15 months of membership, valid for purchases and balance transfers, then a variable 17.24% to 28.24% APR thereafter. |
| Cash Advance APR | Stands at a variable 29.99%. |
| Welcome Bonus | A one-of-a-kind match of all cash back earned in your first year, without any upper limit. |
| Rewards | 5% cash back in rotating categories each quarter up to a quarterly max upon activation, plus an ongoing 1% on all other purchases. |
Discover it® Cash Back Credit Card: All you need to know
Firstly, the Discover it® Cash Back is a bright light in its category. It’s designed to be accessible to a wide range of consumers.
Moreover, this card stands out with its no annual fee policy, making it a budget-friendly choice for your daily expenses.
Additionally, the card offers an attractive 0% intro APR for the first 15 months.
Also, one of the card’s most enticing features is its welcome bonus. New cardholders can enjoy a match of all cash back earned on their first account anniversary, free of caps.
Lastly, all cardmembers can earn 5% rebate on purchases that change each quarter. And the consistent 1% cash back on all other purchases!
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Discover the Discover it® Cash Back Credit Card
Below in our Discover it® Cash Back Credit Card review, we’ll navigate through its many perks and get to know some of its potential downsides as well.
Pros
- Say goodbye to annual fees, ensuring you save year after year.
- Enjoy the thrill of earning cash back in ever-evolving categories.
- Low intro APR, lightening the load on significant expenses and transfers.
- Experience a one-of-a-kind cash back matching act.
- Revel in the ease of flexible cash back redemption options.
Cons
- The rotating reward categories demand consistent attention to maximize benefits.
- It may have limited global acceptance, restricting its usefulness overseas.
- Cash advances come with a steep APR of 29.99% variable.
- There’s a quarterly cap on high-rate categories, limiting your ability to earn.
- Activation is necessary for bonus categories, adding an extra step to earn rewards.
What credit score do you need to apply?
There is no strict minimum credit score requirement in place.
Nevertheless, Discover tends to favor applicants with a good to excellent credit score, typically above 670.
Applicants with lower scores might still qualify, but it’s less common.
So it’s best to have a solid credit history and a good score to increase your chances of approval for this card.
How to easily apply for the Discover it® Cash Back Credit Card?
Wrapping up our Discover it® Cash Back Credit Card review, it’s clear that the card stands out for its generous rewards and advantages.
Moving forward, if you’re interested in what the Discover it® Cash Back has to offer, follow our detailed guide below.
Learn the simple steps to apply and start enjoying its benefits.
Apply for the Discover it® Cash Back Credit Card
Learn the steps to apply for the Discover it® Cash Back Credit Card and enjoy its hefty welcome bonus. Check our quick and simple guide!
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