See how to get the best of Discover it Cash Back
If you want a rewards card with great cashback, you may wonder how to apply for Discover it Cash Back.
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This process is straightforward, and with the right preparation, you can increase your chances of approval.
In this guide, we’ll walk you through everything you need to know to apply successfully and start enjoying the perks of this excellent credit card.
Check Your Eligibility
Before you begin the application process, it’s important to determine if you meet the basic eligibility requirements.
Discover generally looks for applicants with good to excellent credit scores, typically 670 or higher.
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However, factors such as income, existing debt, and credit history also play a role in approval.
To check your eligibility:
- Review your credit score using a free tool like Discover’s Credit Scorecard.
- Ensure you have a stable source of income to meet Discover’s lending criteria.
- Make sure your credit utilization is reasonable and you have a positive payment history.
Gather the Necessary Information
Having all the required documents and details ready before you apply can speed up the process. When applying for the Discover it Cash Back card, you will need to provide:
- Full name and date of birth
- Social Security Number (SSN)
- Residential address and length of stay at your current residence
- Employment and income details
- Contact information, including email and phone number
By having this information on hand, you can complete the application quickly and avoid unnecessary delays.
Complete the Online Application
One of the easiest ways to apply for the Discover it Cash Back card is through Discover’s official website.
The online application is user-friendly and takes only a few minutes to complete.
Steps to apply online:
- Visit the Discover website and locate the Discover it Cash Back application page.
- Enter your personal and financial information as requested.
- Review the terms and conditions carefully before submitting your application.
- Click submit and wait for an instant decision or further instructions from Discover.
Consider Pre-Approval
If you’re unsure about your approval chances, Discover offers a pre-approval tool that allows you to check your eligibility without affecting your credit score.
Pre-approval gives you an idea of whether you are likely to qualify, helping you avoid unnecessary hard inquiries that could lower your score.
To check for pre-approval:
- Go to the Discover pre-approval page.
- Enter your basic details, including income and credit history information.
- Receive instant feedback on potential approval odds.
This step is especially useful if you’re still working on building your credit and want to avoid an unnecessary denial.
What to Expect After Applying
Once you submit your application, Discover may provide an instant decision, or it may take a few days for them to review your information.
If approved, you will receive a confirmation email, and your new Discover it Cash Back card should arrive within 7-10 business days.
In some cases, Discover may request additional documentation or verification before making a final decision.
If you receive a request for more information, be sure to respond promptly to avoid delays.
Activate Your Card and Start Using It
After receiving your Discover it Cash Back card, the final step is activation.
This can be done online or over the phone in just a few minutes.
Once activated, you can start making purchases and earning cashback rewards right away.
To activate:
- Visit the Discover activation page and enter the required details.
- Alternatively, call the number provided with your card to activate it over the phone.
- Set up your online account to manage payments, track spending, and redeem rewards.
Final Thoughts
Now that you know how to apply for Discover it Cash Back, you’re ready to take advantage of its rewarding cashback program and customer-friendly features.
By ensuring your credit is in good shape, gathering the necessary information, and using the pre-approval tool, you can increase your chances of getting approved.
Apply today and start maximizing your cashback benefits!
