A Guide to Applying for the Discover It Cashback Card

If you’re in the market for a credit card that rewards your purchases while providing a long introductory 0% APR, the Discover It® Cashback Card is a fantastic option.

This card blends the ease of online access with attractive cashback offers and clear terms, making it a top pick for those seeking both flexibility and rewards.

The best part? You can easily apply using your phone or computer, and once you’re approved, you can start using your digital card right away through your mobile wallet — quick, secure, and ready from day one.

Who is Eligible for the Discover It Cashback Card?

To be eligible, you should be at least 18 years old, possess a valid U.S. address and Social Security Number, and have a functional email and phone number.

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

This ensures that individuals with a solid or improving credit profile can qualify smoothly without unnecessary hassle.

There’s no requirement to upload pay stubs or proof of income — the entire process is automated, swift, and secure.

Step-by-Step Guide: Applying for the Discover It Cashback Card

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

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

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

After that, you can monitor your spending, redeem cashback rewards, and manage your account directly through the Discover Mobile App — ensuring everything is safe and convenient in one spot.

Reasons to Choose the Discover It Cashback Card

The Discover It® Cashback Card is unique as it rewards you with genuine benefits for your daily spending, beyond just offering convenience.

Offering 5% cashback in rotating categories (like groceries, gas, dining, and Amazon.com — up to quarterly limits when activated) along with 1% unlimited cashback on all other purchases, this card transforms your everyday expenses into genuine financial gains.

Plus, Discover will double your cashback at the end of your first year — if you earn $300, you’ll actually get $600!

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

Everything is crafted to simplify your credit experience, making it rewarding and transparent, with no annual fee, no hidden charges, and zero liability protection for unauthorized transactions.

Discover It® Cashback vs. Wells Fargo Reflect® Card

Both the Discover It® Cashback and the Wells Fargo Reflect® Card boast impressive features, yet they serve distinct financial purposes.

The Discover It® Cashback is all about rewards and lasting advantages. It’s perfect for those wanting to earn cashback on daily expenses while enjoying a 0% intro APR for 15 months.

Thanks to the Cashback Match program, which doubles your rewards after the first year, it stands out as one of the most generous rewards cards available.

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

This makes Reflect® a great option for those looking to consolidate balances, eliminate debt, or make significant purchases without interest for nearly two years.

So, if your aim is to earn rewards while saving, the Discover It® Cashback gives you a clear advantage with tangible benefits and flexibility.

However, if your priority is to avoid interest for as long as possible, the Reflect® Card is the better choice.

If you’re curious about the Wells Fargo Reflect Card, we have a comprehensive article available for you. Take a look!