Discover It Credit Card Features


You can apply for the Discover It Credit Card easily. Once approved, you can begin enjoying cash back with all purchases. You are in control of your finances and have the ability to save money while being able to purchase when and where you want.

How To Earn Cash Back

It is easier than you may think to earn cash back on the Discover card. The card is accepted at over 8 million merchants globally. Whether you use the card online, at the gas pump, in supermarkets or with your mobile phone, you will be earning cash back. At all times, you will earn at least 1% cash back on all of your net purchases. There are some online retailers where you can earn more than 1%. You can also earn 5% cash back on purchases in specific categories that change quarterly.

You will be able to go to to see what the quarterly categories are. One quarter could be restaurants and travel and the next quarter could be gas and fitness. Regardless of the categories, you have the opportunity to earn 5% if you use your credit card at merchants that fall within those categories for the quarter.

It's important to maximize cash back rewards. If you call the cash back concierge, you will be able to speak directly with an expert. This expert will review your spending on the account and give you tips. With these tips, you can learn how to alter your spending so you can enjoy even more cash back throughout the year.

The cash back has no limit. It also never expires. You choose how you want to get the cash back and when. You can use it to pay for millions of things on You can also get the cash back as a statement credit or sent to your home in the form of a Discover gift card or check. This will allow you to use the cash as you desire to pay for various items.

How To Control Finances

Controlling finances is very important. You don't want to go into debt, which is why you choose Discover to begin with. There is no annual fee and a low APR. You also have the ability to lower your rate or payment in the event that you lose your job.

You have a monthly payment due on your account. You have up to midnight on the due date to pay it without being marked as late. It's possible to make the payment over the phone, online or by mail with a check. If you are ever late, you will not be penalized with an increase to your APR.

There's also flexibility when it comes to when your payment is due. If you have a lot of bills hitting you all at the same time in a month, you don't need one more around that same time. It's more convenient if you can spread them out. Discover allows you to choose when your payment is due. You select the day of the month and that's when your bill will be due in all future months, too. You can make this change online or over the phone with a customer service representative.

Other Discover Benefits

Many benefits exist with being a cardholder. If you want to save money and you don't want to be told that you can't make a purchase, then this is the right card for you. There are many features that you will be able to use and without spending any money to do so. Not only do you get cash back on all purchases, but you also get such things as:

  • Mobile tools
  • Online account tools
  • U.S. based customer support
  • No overlimit fees
  • Quick online application process

Mobile tools make it easy to find out all about your account from your smartphone. There is a mobile app for the iPhone and the Android to make it easy on you. You can check out your balance and make a payment on your account from the convenience of your phone.

Online account tools allow you to log into your account on the internet to find out about what's going on. You can view your balance, your available credit ad view all of your past purchases. Your statements are online or you can choose to download them to your computer. It's also possible to send an inquiry to customer service, schedule your bill to be paid and check out the special categories for 5% cash back for the quarter.

Customer support is based in the U.S. This allows you to talk to the representatives without a language barrier. They operate 24/7 so they are there when you are ready to speak to someone. You can ask questions about your account, request a credit line increase and much more.

There are no overlimit fees on the account. If you go over for whatever reason, you aren't penalized. You can also use this to tell you that you need more on your credit line – which may be granted if you make the request with customer service.

The application for the card is online. With a secure connection, you can apply for the card and find out if you are approved in minutes. If approved, you will find out your APR and credit line. Your card will then be automatically expedited to you so you can spend as you need on all of the purchases you wish to make throughout the year.

Final Word

It's simple to reap the benefits of this Discover Card all year long. It's convenient and easy to use, so you can keep it on you at all times. More importantly, you get rewards that you can actually use - cash back for all purchases that you make.

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