Steps to Apply for the Discover It Cashback Card

If you’re seeking a credit card that rewards you on every purchase and offers a long 0% introductory APR, the Discover It® Cashback Card is a fantastic option.

This card merges the ease of digital management with generous cashback perks and clear terms—making it a top pick for those wanting both flexibility and financial benefits.

The highlight? You can apply right from your smartphone or computer, and once you’re approved, you can immediately start using your digital card via your mobile wallet—quick, secure, and ready from day one.

Who is Eligible for the Discover It Cashback Card?

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

Discover’s approval system is completely digital and unbiased, assessing your credit and financial history in real-time.

This guarantees that individuals with a strong or developing credit history can qualify without unnecessary hurdles.

There’s no requirement to upload pay stubs or proof of income—everything is automated, fast, and secure.

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

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

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

4️⃣ Review your offer—Examine your APR, credit limit, and terms before acceptance.
5️⃣ Start using your digital card right away—Your Discover It® Cashback Card will appear in your mobile wallet immediately after approval.

After that, you can monitor your spending, redeem cashback rewards, and manage your account all from the Discover Mobile App—everything safely and conveniently in one spot.

Reasons to Choose the Discover It Cashback Card

The Discover It® Cashback Card truly shines by offering you genuine rewards for your daily expenditures — it’s more than just convenience.

With 5% cashback on selected categories (like groceries, gas stations, restaurants, and Amazon.com — up to the quarterly cap when activated) and 1% unlimited cashback on all other purchases, this card effectively transforms your routine spending into tangible financial perks.

Best of all, Discover automatically matches all cashback earned after your first year — so if you earned $300 in cashback, your total will actually be $600.

Additionally, you’ll enjoy a 0% intro APR for 15 months on purchases and balance transfers, followed by a competitive variable APR based on your credit profile.

Everything is tailored to ensure your credit experience is straightforward, rewarding, and clear — featuring no annual fee, no hidden charges, and zero liability protection against unauthorized transactions.

Discover It® Cashback vs. Wells Fargo Reflect® Card

Both the Discover It® Cashback and Wells Fargo Reflect® Card boast impressive features, but they serve differing financial objectives.

The Discover It® Cashback is geared towards rewards and long-term advantages. It’s perfect if you aim to earn cashback on your daily spending while enjoying a 0% intro APR for 15 months.

The Cashback Match program — which doubles your rewards after the first year — ranks it among the most generous reward cards out there.

On the other hand, the Wells Fargo Reflect® Card doesn’t provide cashback or rewards, but rather emphasizes saving money with one of the longest 0% intro APR durations — up to 21 months.

This makes Reflect® ideal for those wishing to consolidate balances, eliminate debt, or make significant purchases interest-free for almost two years.

If your aim is to earn and save at the same time, Discover It® Cashback gives you a clear advantage with real rewards and flexibility.

However, if your top priority is to avoid interest for the longest duration, the Reflect® Card comes out on top.

For more information on the Wells Fargo Reflect Card, we have an in-depth article available. Be sure to check it out.