Discover it Cash Back Credit Card: Cashback, Rewards & More
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In the competitive world of credit cards, the Discover it Cash Back Credit Card stands out for its flexibility, generous rewards, and no annual fee.
Whether you’re looking to earn cash back on dining, shopping, or fueling up at the gas station, this card offers a fantastic rewards program designed for your everyday purchases. In this guide, we will explore the key features and benefits of the card, as well as provide easy-to-follow steps on how to apply for it.
Why Choose the Discover it Cash Back Credit Card?
The Discover it Cash Back Credit Card is perfect for anyone who wants to earn valuable cash back without complicated reward systems or high fees. Offering 5% cash back on rotating categories each quarter and 1% cash back on all other purchases, this card lets you earn rewards on the things that matter most. Additionally, the welcome bonus is something to get excited about — Discover will match all the cash back you’ve earned at the end of your first year.
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The card also offers $0 fraud liability, which means that if unauthorized purchases are made on your card, you’re not responsible for them. Offering no annual fee, introductory 0% APR on purchases and balance transfers, this card allows you to maximize your spending while keeping costs low.
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Top Features and Benefits of this Discover Credit Card
Here’s a closer look at why this card could be the right choice for your wallet:
1. 5% Cash Back on Rotating Categories
The Discover it Cash Back Credit Card offers an impressive 5% cash back on rotating categories of purchases every quarter. Categories include grocery stores, restaurants, gas stations, and more. To get this benefit, all you need to do is activate the rotating categories each quarter, making it a simple way to earn extra cash back on your purchases.
Note: The 5% cash back is limited to $1,500 in combined purchases per quarter. After reaching that cap, you’ll still earn 1% cash back on purchases within that category.
2. 1% Cash Back on All Other Purchases
Even when you’re not shopping in a rotating category, the Discover it Cash Back Credit Card continues to reward you. You’ll earn 1% cash back on all other eligible purchases, ensuring that you’re still earning rewards regardless of where you shop or what you buy.
3. Discover will Match Your Cash Back
The Discover it Cash Back Credit Card offers an amazing benefit at the end of your first year: they will match all the cash back you’ve earned. This is an incredible way to double your rewards and maximize your savings. Whether you use your cash back for travel, merchandise, or a statement credit, you’ll be getting extra value from your first year of spending.
4. $0 Fraud Liability Guarantee
With the Discover it Cash Back Credit Card, you don’t have to worry about being liable for fraudulent purchases. If your card is lost or stolen, Discover ensures you won’t be held responsible for any unauthorized transactions. This feature ensures you can shop with confidence when shopping online or in physical stores.
5. Online Privacy Protection
The Discover it Cash Back Credit Card goes the extra mile to protect your personal information. With Online Privacy Protection, Discover helps regularly remove your personal details from people-search websites that might sell your data. This service is free and can be activated via the Discover app, making it easier for you to protect your privacy online.
6. 0% Intro APR on Purchases and Balance Transfers
Looking to make large purchases or transfer balances from high-interest cards? The Discover it Cash Back Credit Card offers 0% intro APR on purchases and balance transfers for the first 15 months. Once the introductory period ends, a variable APR between 18.24% to 27.24% will apply. This feature helps you save on interest charges during the introductory period, giving you time to pay down your balances.
7. Digital Wallets and Contactless Payments
The Discover it Cash Back Credit Card is compatible with digital wallets like Apple Pay®, Google Pay™, and Samsung Pay, allowing you to make secure and fast payments online and in-store. With contactless payment technology, you can simply tap your card to pay in seconds at millions of locations worldwide.
