The Discover it® Cash Back Credit Card is a standout in the market for its high earning potential, flexibility, and lack of annual fee. With 0% intro APR on purchases and balance transfers for 15 months, cardholders can manage finances more comfortably. Standard APR ranges from 17.49% to 26.49% variable after the intro period. Credit limits are determined during approval and can be increased with responsible use, especially if you maintain a solid payment history.

How to Apply for Discover it® Cash Back Credit Card

• Check if you pre-qualify without hurting your credit score.
• Submit the online application form with accurate personal and financial details.
• Wait for approval and, if approved, receive your credit line amount and card in the mail.
• Activate your card online or by phone to start using it.

Advantages of Discover it® Cash Back

Earn 5% cash back on everyday purchases at select partner stores each quarter (upon activation), plus 1% unlimited cash back on all other spending. New cardholders benefit from an Unlimited Cashback Match, essentially doubling all cash back rewards earned in the first year without a cap.

No annual fee, robust fraud protection, and access to US-based customer service are additional perks. Also, the 0% intro APR for 15 months on purchases and balance transfers provides added financial flexibility.

Drawbacks to Consider

The top 5% rewards are only applicable to rotating categories and require quarterly activation, which could be inconvenient if you forget to sign up.

After the introductory period, the standard purchase APR may be higher if you carry a balance, so this card is best suited for those who plan to pay off balances monthly or maximize the intro offer.

Verdict

The Discover it® Cash Back Credit Card is an excellent option for users seeking a rewarding and flexible card with no annual fee. Approval is friendly for a range of credit profiles. For best value, use the card for quarterly categories and pay off balances to avoid higher interest after the intro period. Overall, it’s a strong, well-rounded cash back contender for US consumers.