Discover provides a range of credit cards that offer rewards such as cash back or travel points. The Discover it® Cash Back card appears to be their flagship product with more than 272K reviews on their website. If you’re thinking of applying, read this article first to find out what you need to know about the Discover it credit card application process.

Discover it® Cash Back credit card overview

Firstly, let’s sum up the benefits of this credit card:

  • 5% cash back at different places each quarter on up to $1,500 in purchases (once activated).
  • 1% cash back on all other purchases.
  • Cash back never expires.
  • Discover will match the cash back you’ve earned at the end of your first year.
  • 0% intro APR for 14 months on both balance transfers and purchases (the rate then reverts to a standard variable APR of between 13.74% to 24.74%, and a fee of 3% applies for balance transfers).
  • No annual fee.
  • No foreign transaction fee.
  • No overlimit.
  • Free credit monitoring.
  • S. based customer service which is available anytime.

What existing customers say about this credit card

As mentioned above, more than 272K reviews about the Discover it® Cash Back card are available on the Discover website. Bazaarvoice handles these reviews, and they comply with the Bazaarvoice Authenticity Policy.

Overall, this credit card scores 4.8 / 5 with the majority of reviews rated as 5 / 5. One recent reviewer said they loved the Discover card and that the app and website are both user-friendly. The customer service is excellent according to this person, who liked the fact that they can speak to a real person without going through a million phone prompts.

Another happy customer claims the rewards are good and the rotating categories are useful (getting 5% cash back at Amazon in the lead up to Christmas is “phenomenal”).

Some of the more critical reviews relate to the high APR (which is variable once the intro offer ends and likely depends on your creditworthiness), along with the 1% cash back on other purchases not being much of a reward.

More on Best credit cards with 0 balance transfer fee

How to apply for the Discover it® Cash Back credit card

Things to know beforehand

You will need a good credit score (most likely 700+) to be approved for the Discover it® Cash Back credit card. So, before you apply, check that your credit score is in decent shape.

Then thoroughly research and compare a range of credit cards to check whether this one is, in fact, the best one for you. If you’re sure that is, it might be worth going through Discover’s pre-approval process here first. Doing this won’t impact your credit score, and you can see which other Discover credit cards you’re likely to be approved for at the same time.

Before you submit an application, make sure you have your personal and financial details to hand, such as your social security number, address, gross income, monthly expenses and any assets and savings you may have. If you’re hoping to make a balance transfer, gather the details from your existing credit card accounts.

The Discover application process

The application form can be submitted online – click here to apply. There are just a few steps to go through where you’ll enter your details and choose the color/design for your credit card (nice!).

When you’ve done this, Discover will check out your credit score and history with one or more of the national credit bureaus. You’ll then get a decision on screen as to whether you’ve been approved, declined or that your application needs further review. In the latter case, you can check the status of your application here.

If you’re approved for the Discover it® Cash Back card, you should receive it within 7-10 business days.

More on Bad credit personal loans, guaranteed approval & direct lenders


The Discover it® Cash Back card offers a generous level of cash back and a great introductory offer. If you keep on top of tracking which places you can receive cash back from throughout the year, you may be able to earn quite a bit of extra money!

Bear in mind though that if you’re likely to hold a balance on your card after the intro rate ends, your interest payments may take the shine off your cash back rewards.

*The facts and figures presented in this article are correct at the time of publishing.

More on Discover card for college students