Discover it® Credit Card Advantages
Your Cashback Card with Unbeatable Rewards
By: Guia Bancário
The Discover it® Credit Card is one of the best options for those looking to earn rewards on everyday purchases. This card is known for its outstanding cashback program, offering up to 5% cashback in rotating categories that change quarterly. Categories may include groceries, gas stations, and restaurants, giving cardholders the flexibility to earn where they spend the most. Additionally, Discover automatically matches all the cashback earned at the end of the first year, making it an attractive option for new cardholders. The card also comes with no annual fee, which is a rare find for a card offering such competitive rewards. It offers a 0% introductory APR on purchases and balance transfers for the first 14 months, making it a solid choice for those looking to manage their spending or consolidate debt. The Discover it® Credit Card also stands out for its customer-friendly policies, such as no late fee on the first missed payment and no penalty APR. With robust security features like free Social Security number alerts and the ability to freeze your account instantly via the mobile app, it’s a card that gives peace of mind. Overall, the Discover it® Credit Card is ideal for anyone looking for a straightforward, high-reward card with valuable perks.
thumb_up Know the Advantages
The Discover it® Credit Card is packed with perks that make it stand out in a crowded market. From cashback rewards to flexible payment options, this card has features designed to benefit the cardholder at every turn. Plus, with no annual fee and impressive introductory offers, it’s an ideal choice for budget-conscious consumers.
- done 5% cashback in rotating categories
- done Cashback match at the end of the first year
- done No annual fee
- done 0% intro APR on purchases and balance transfers
thumb_down Know the Disadvantages
Despite its many benefits, the Discover it® Credit Card does come with some limitations. While the card offers rotating cashback categories, these categories need to be activated manually, and the 5% cashback is capped at $1,500 per quarter, after which the rate drops to 1%. Additionally, Discover cards are not as widely accepted internationally as Visa or Mastercard, which may be a drawback for frequent travelers.
- close Rotating categories require activation
- close 5% cashback capped at $1,500 per quarter
- close Limited international acceptance
help How to Apply for the Card
Applying for the Discover it® Credit Card is a straightforward process that can be completed entirely online. The application form is user-friendly and takes only a few minutes to fill out. Once submitted, you’ll typically receive a decision within minutes. Discover also allows you to check if you pre-qualify for the card without impacting your credit score.
- Visit the Discover website
- Navigate to the credit cards section
- Choose the Discover it® Credit Card
- Click “Apply Now”
- Complete the application form with your details
- Submit and wait for a decision