How to Get 5% Cash Back on Groceries, Gas, Restaurants, and More

Key Benefits

5% Cash Back: Earn 5% cash back on everyday purchases in rotating categories (grocery stores, gas stations, restaurants, etc.) up to the quarterly maximum when you activate.

Cashback Match: Discover automatically matches all the cash back you’ve earned at the end of your first year. If you earn $200 in cash back, Discover will double it to $400—no limits.

No Expiration on Rewards: Your cash back never expires, and you can redeem it anytime as a statement credit, direct deposit, or even use it to pay at checkout with select merchants.

$0 Fraud Liability: You’re not responsible for unauthorized charges made with your card.

Freeze it® Feature: Instantly freeze your account from the app or website if you misplace your card, preventing new purchases and cash advances.

Online Privacy Protection: Discover helps you remove your personal information from select people-search websites.

Social Security Number Alerts: Receive alerts if your SSN is found on thousands of Dark Web sites.

Custom Card Designs: Choose from 25 unique designs to personalize your card when you apply.

Requirements

To qualify for the Discover it® Cash Back Card, you must meet the following criteria:

Credit score: A good to excellent credit score (typically 670 or higher) is recommended for approval.

Age: You must be at least 18 years old (or 21 in some states).

U.S. resident: You must be a U.S. resident with a valid Social Security number.

Income: You’ll need to provide proof of a stable income during the application process.

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How to Apply

Applying for the Discover it® Cash Back Card is straightforward:

1. Visit the Discover website and find the Discover it® Cash Back Card page.
2. Complete the application by entering your personal information (name, address, Social Security number, income, etc.).
3. Submit your application: After submission, you may receive an instant decision. If approved, you can start using your card immediately.

Discover also offers a pre-approval tool, allowing you to check if you’re eligible without affecting your credit score.

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Rates and Fees

• Annual Fee: $0 (no annual fee).
• Introductory APR: 0% APR on purchases and balance transfers for the first 15 months.
• Standard APR: After the introductory period, a variable APR ranging from 18.24% to 28.24% will apply, depending on your creditworthiness.
• Balance Transfer Fee: 3% introductory fee for transfers made by December 10, 2024, and up to 5% for future balance transfers.
• Cash Advance APR: 29.99% variable.
• Cash Advance Fee: $10 or 5% of the amount, whichever is greater.
• Late Payment Fee: Up to $41, but Discover waives the first late fee.