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DISCOVER IT® CASH BACK — MAXIMIZE YOUR REWARDS EVERY PURCHASE

If you want to get the most cash back from what you buy regularly, the Discover it® Cash Back card is a total no-brainer. In addition, this card has a unique cashback plan that provides a whopping 5% cashback across rotating categories every quarter. It’s similar to earning some free money for using your card.

On top of that, the card has no annual fee, which is a plus for money-conscious consumers. It also provides a 0% intro APR on purchases and balance transfers for the first 14 months, which can help you save on interest as you pay off debt or make large purchases over the earned period. The Discover it® Cash Back card is perfect for rewarding you for the spending you’re already doing — whether that’s on groceries, gas, dining out or online shopping.

You can manage your account and redeem rewards easily with its user-friendly mobile app, which allows you to keep tabs on your cash back. Additionally, Discover is a pioneer in customer service and no foreign transaction fees, which makes it a nice companion to international travelers — not that there are many of them at this time. The Discover it® Cash Back is a front-runner if you want a card that offers flexibility, rewards, and value.

If you’re looking to maximize cashback on your everyday purchases, the Discover it® Cash Back card is an obvious choice.

Discover it® Cash Back Card: First Year of Rewards Doubled

  1. 5% Cash Back on Rotating Categories: Every quarter, the Discover it® Cash Back card offers 5% cash back on popular spending categories like gas stations, grocery stores, restaurants, and Amazon.com. This means you can earn significant rewards on purchases you’re already making, up to $1,500 per quarter. After that, you still earn 1% cash back, ensuring you’re always rewarded.

  2. Cashback Match™: At the end of your first year, Discover will match all the cash back you’ve earned, dollar for dollar. This unique feature effectively doubles your rewards, giving you an unbeatable boost in your first year of card membership.

  3. No Annual Fee: Unlike many rewards cards, the Discover it® Cash Back card charges no annual fee. This makes it an affordable option for anyone looking to maximize rewards without worrying about extra costs.

  4. 0% Introductory APR: For the first 14 months, enjoy a 0% introductory APR on purchases and balance transfers. This feature is perfect for those looking to finance a large purchase or pay down existing debt without accruing interest.

Things to Think About with the Discover it® Cash Back Card

Rotating Categories Must Be Activated: 5% cash back in rotating categories is one of the huge benefits, but you have to remember to activate these categories every quarter. If you forget, you’ll lose out on the elevated rewards rate. But on the whole, Discover makes activation simple via its app or website, and it tends to send out notifications to help ensure you don’t miss out.

Limited International Acceptance: While Discover has increased its reach worldwide, it still doesn’t have the same level of acceptance in some countries as Visa or Mastercard. This may not be a problem for domestic users, but international travelers might want a backup card. That said, Discover has no foreign transaction fees; that makes it a great option when it is accepted abroad.

How to Apply for the Discover it® Cash Back Card in 5 Easy Steps

If you’re ready to apply for the Discover it® Cash Back card, the process is very simple and only takes a few minutes. If you’re a first-time cardholder or want to add another rewards card to your wallet, getting started with Discover is easy. The application is online, and you’ll need to share basic personal and finance details, like your name, address, Social Security number and yearly income. Discover also has a pre-qualification tool, so you can check whether you qualify without affecting your credit score. After approval, your card should arrive in 7-10 business days. There’s no annual fee and a generous rewards program, making the Discover it® Cash Back card a smart choice if you want to earn cash back on everyday purchases.

How to Use the Discover it® Cash Back Card: A 5 Step Guide to Applying and Redeeming Rewards

  1. Visit The Official Website: Open Discover’s website and click on the Discover it® Cash Back card page.
  2. Check for Pre-Qualification: See if you’re eligible without a hard credit inquiry by using the pre-qualification tool.
  3. Complete the Application: Enter your personal and financial information, such as your name, address and Social Security number, as well as your total annual income.
  4. Submit and Wait for Approval: Check your application and submit. It is not a loan where you must have approval decisions that could take hours or days, you can instantly approve or disapprove that request.
  5. Activate Your Card: After approval and receiving your card in the mail, activate it online or on the Discover app. purchases.

The Discover it® Cash Back Card: The Best Plastic for the Smart Spender

One of the top rewarding and most flexible credit cards available is the Discover it® Cash Back card. It earns 5% cash back on rotating categories and 1% cash back on everything else. The Cashback Match™ function is the cherry on top, doubling your money back at the end of your first year, which is a hard benefit to beat. Layer on that a 0% introductory APR for the first 14 months on purchases and balance transfers, and you’ve got a card that’s equally suited for everyday use and financial flexibility.

No annual fee and a mobile app that allows you to manage your account and keep an eye on rewards make it a low-maintenance and affordable card. The rotating categories must be activated and there may be limited international acceptance, but these minor drawbacks are dwarfed by the card’s many benefits.

Whether you’re someone who shops often, someone who likes to spend on a budget or someone looking to pay down some debt, the Discover it® Cash Back card has something to offer everyone. It’s my favorite credit card for a reason — the combination of rewards, flexibility and value it provides can’t be beaten. Apply today for the Discover it® Cash Back card and earn more with every purchase!

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