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The Discover It Cash Back is the perfect card for those who want to turn every purchase into an opportunity to earn cashback. With it, every penny spent can return to your pocket, making your purchases smarter and more rewarding.
Besides being a practical card full of advantages, it is known for its simplicity and effectiveness. Without complications, you can maximize your savings in a fun and stress-free way.
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Want to know more about how this card can be your best financial friend? Then, keep reading to discover all the amazing benefits it has to offer and how it can change the way you handle everyday purchases.
About the Issuer
The Discover It Cash Back is issued by Discover Financial Services, one of the most respected financial institutions in the United States. Founded in 1986, Discover stands out for its innovations in the credit card and financial services sector.
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Discover is recognized for offering financial products that really make a difference in consumers’ lives. Its mission is to provide financial solutions that are accessible, transparent, and full of real benefits for its customers.
With an unwavering commitment to customer satisfaction, Discover continues to lead the market, offering cards like the Discover It Cash Back, designed to help consumers maximize their benefits and rewards.
Benefits
Cashback on Rotating Categories: The card offers 5% cashback on rotating categories that change every three months. This means you can earn more cashback on purchases you already make regularly, such as gas, restaurants, and online shopping.
Cashback Match: In the first year, Discover will match all the cashback you earned, dollar for dollar. So, if you earned $150 in cashback, Discover will add another $150, doubling your rewards automatically and hassle-free.
No Annual Fee: There is no annual fee for the Discover It Cash Back. This means you can enjoy all the card’s benefits and rewards without worrying about additional costs that could erode your savings.
No Foreign Transaction Fees: Travel worry-free with the Discover It Cash Back, as it does not charge foreign transaction fees. This is perfect for those who like to explore the world without spending more than necessary.
Free FICO Score: Receive your free FICO Score every month, allowing you to monitor your financial health and make more informed decisions about your credit.
Purchase Protection: Discover offers fraud protection, monitoring your purchases and alerting you to any suspicious activity. You can also freeze your card instantly through the mobile app in case of loss or theft.
Discover It Cash Back Credit Card – Fees and commissions
The Discover It Cash Back is known for its transparency regarding fees and commissions. For late payments, there are no interest charges on the first event, and if further delays occur, the fee is $41.
For cash advances, the fee is $10.00 or 5% of the amount of each advance, whichever is greater. As for the annual fee, Discover offers a full waiver of this charge.
The introductory 0% APR is offered for 15 months on balance transfers and purchases. After this period, the introductory balance transfer fee is 3%. The standard variable APR ranges between 17.24% and 28.24%.
It is important to stay alert, as these fees may change without notice, so always check the current terms on the bank’s official website before applying.
Discover It Cash Back – Card limit
The initial credit limit for the Discover It Cash Back is determined based on various factors, such as credit history, income, and repayment capacity. This limit can be adjusted over time based on the cardholder’s spending behavior and payment history.
One of the advantages of the Discover card is that it offers users the opportunity to request a credit limit increase after a period of responsible card use.
This means that if you manage your credit effectively, you may be eligible for a credit limit increase, providing more flexibility and purchasing power.
Positive points
- EXCELLENT CASHBACK SYSTEM:You earn cashback on all purchases, which can be doubled.
- ANNUAL FEE:The card is 100% free of this charge.
- FLEXIBILITY:You can make secure purchases in many locations.
Negative points
- CREDIT REQUIREMENTS:To be approved for the Discover It Cash Back card, you generally need to have a solid credit history.
- FEW BENEFITS:Besides the cashback system, the card offers few benefits.
- CASH ADVANCE FEES:The per-event fee is considered high.
How to apply for Discover It Cash Back
- Visit the official Discover website;
- Check the information about the card and click on “Apply now“;
- Provide the initial requested data and click on “Continue“;
- Choose the card design that you like the most;
- Fill out the application form with your personal and financial information;
- Agree to the terms and conditions, then click on “Submit“;
- Wait a few moments to find out if the card is pre-approved for you;
- Proceed with the application;
- Once approved, you will receive your Discover It Cash Back by mail.
How to contact Discover
To contact Discover, use the channels below:
- Customer Service: Call the customer service number 1-800-347-2683 if you are in the US or 1-224-888-7777 if you are abroad;
- Online Chat: Access the online chat available on the official Discover website for instant assistance.
The Discover It Cash Back is more than a credit card; it is a powerful tool to turn your everyday purchases into opportunities to save and earn rewards. Apply today and start enjoying all these incredible benefits!
