Credit Cards (US)
Discover it® Cash Back Credit Card review
Looking for a new cash back credit card? Check out our review of the Discover it® Cash Back Credit Card - you might be surprised at what you find.
Discover it® Cash Back Credit Card: Earn where it matters the most!
The Discover it® Cash Back Credit Card is an excellent choice for savvy shoppers who want to make the most value for their money.
With this card, you can earn 5% cash back in rotating quarterly categories and 1% on everything else.
Discover makes it easy to earn rewards points with no annual fee and no minimum spending requirement.
On top of that, Discover offers a generous 0% intro APR offer on both purchases and balance transfers for the first 15 months.
- Credit Score: You need an above average score to qualify (700+ is recommended).
- Annual Fee: You won’t have to worry about an annual fee with this credit card.
- Intro Offer: New cardholders will get a cash back match on their account’s one-year anniversary.
- Rewards: Upon activation, cardholders will earn 5% back each quarter in different categories until it reaches its spending caps. Plus, 1% back on everything else.
- APRs: Discover offers a 0% introductory rate for balance transfers and purchases for 15 months. Once that period ends, it’s a variable between 15,74% – 26,74% on both accounts according to overall creditworthiness. The APR for cash advances is 28,74%.
- Other Fees: 3% balance transfer fee for the starting 3 months and 5% after that period. Up to $41 for late and returned payments.
The Discover it® Cash Back is perfect to use if you’re looking to save money while making the most of your spending habits.
Discover also provides excellent customer service and has round-the-clock fraud protection.
If you want to learn more details about this card and why it is such a solid addition to your wallet, make sure to keep reading our Discover it® Cash Back Credit Card review below.
Discover it® Cash Back Credit Card: What can you expect?
The Discover it® Cash Back Credit Card is an excellent choice if you’re looking for a reliable credit card that provides a generous rewards rate for all your spending.
You can expect to earn 5% cash back on everyday purchases each quarter in the categories of your choice, including gas stations, grocery stores, and more.
Plus, you can double all rewards you’ve earned in the first year thanks to Discover’s sign up bonus.
The card also comes with no annual fee, a 0% introductory APR for 15 months on purchases and balance transfers (a variable 15,74% – 26,74% after that), and reliable service from Discover.
With this credit card, you can expect unbeatable rewards, great customer service, and a card that makes managing your finances easy.
This is the perfect card for anyone who wants to get more out of their money.
Read on to learn the pros and cons, and see why this card should be at the top of your list!
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Do the pros outweigh the cons?
Make sure you’re making the right decision before you sign up for the Discover it® Cash Back Credit Card. Check its highlights and lowlights below.
- You’ll be able to maximize your rewards with no annual fee;
- High rewards rate on categories you spend the most money on;
- Generous introductory rate for purchases and balance transfers;
- You’ll get double the rewards by the end of your first year as a card member.
- You can end up with a high APR depending on your creditworthiness;
- There are rotating categories for the higher bonus tier, which require activation and have a earning limit;
- Discover charges a balance transfer fee even during the introductory period.
What are the eligibility requirements?
To be eligible for the card you must meet certain criteria. You must have a valid SSN, be over the age of majority and a U.S. resident with an address in the United States to apply.
Additionally, you must have a good to excellent credit score, be able to provide proof of income and not have any delinquent payments in the past year.
Learn how to request the Discover it® Cash Back Credit Card
If you believe the Discover it® Cash Back Credit Card is the best option for your financial needs, we can show you how to apply for it.
Follow the link below to learn more details about the online process and how you can request it in just a few minutes.
About the author / Aline Barbosa
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