A Guide to Applying for the Discover It Cashback Card

If you’re looking for a credit card that rewards you on every purchase while offering a prolonged 0% introductory APR period, the Discover It® Cashback Card is definitely a top contender.

This card merges the ease of digital accessibility with attractive cashback rewards and clear conditions—making it a favorite for those seeking both versatility and financial benefits.

The highlight? You can apply straight from your smartphone or computer, and once you’re approved, you can start using your digital card right away through your mobile wallet—quick, safe, and ready to use from day one.

Who is Eligible for the Discover It Cashback Card?

To qualify, you need to be at least 18 years old, have a valid U.S. address and Social Security Number, and supply a working email and phone number.

Discover’s approval system is entirely digital and fair, reviewing your credit and financial history in real time.

This allows applicants with a solid or improving credit profile to qualify without any unnecessary hassles.

You won’t need to upload pay stubs or proof of income—everything is automated, swift, and secure.

Step-by-Step Guide: How to Apply for the Discover It Cashback Card

Getting your Discover It® Cashback Card is quick and simple:

1️⃣ Go to the Discover website — Visit discover.com/it-cashback to begin your application.
2️⃣ Complete your personal info — Provide your details for a secure, instant credit assessment.
3️⃣ Get your approval outcome — Most applicants receive a response in just minutes.

4️⃣ Examine your offer — Review your APR, credit limit, and terms before you accept.
5️⃣ Use your digital card right away — Your Discover It® Cashback Card will be available in your mobile wallet immediately after approval.

From there, you can monitor your spending, redeem cashback rewards, and manage your account through the Discover Mobile App — all securely and conveniently in one spot.

Why Opt for the Discover It Cashback Card

The Discover It® Cashback Card truly shines by offering genuine rewards for your daily expenditures—going beyond mere convenience.

With a fantastic 5% cashback on rotating categories like groceries, gas, dining, and Amazon.com (up to the quarterly limit when activated) and a solid 1% unlimited cashback on all other purchases, this card transforms your usual spending into real financial gains.

Even more enticing, Discover will double all cashback accrued at the end of your first year—meaning if you earned $300, you’ll actually get $600.

This card also provides a 0% introductory APR for 15 months on purchases and balance transfers, followed by a competitive variable APR tailored to your credit profile.

Everything about it is designed to ensure a straightforward, rewarding, and transparent credit experience—with no annual fee, no hidden fees, and zero liability protection against unauthorized charges.

Discover It® Cashback versus Wells Fargo Reflect® Card

While both the Discover It® Cashback and Wells Fargo Reflect® Card boast impressive features, they serve distinct financial objectives.

The Discover It® Cashback card emphasizes rewards and long-term perks. It’s perfect for those looking to earn cashback on everyday purchases while enjoying a 0% introductory APR for 15 months.

The Cashback Match program—doubling your rewards after your first year—makes it one of the most generous reward cards currently available.

On the other hand, the Wells Fargo Reflect® Card doesn’t provide cashback or rewards; instead, it focuses on saving money with one of the longest 0% introductory APR periods—up to 21 months.

This makes Reflect® ideal for those aiming to consolidate balances, tackle debt, or make significant purchases without interest for almost two years.

If your aim is to earn and save at the same time, Discover It® Cashback provides an edge with tangible rewards and flexibility.

However, if your primary concern is avoiding interest charges for as long as possible, the Reflect® Card takes the lead.

Interested in the Wells Fargo Reflect Card? We have a comprehensive article available for you. Take a look.