You need a card you can rely on. The Discover It card is affordable and can be used all over the globe. It also earns cash back, allowing you to use the cash for things you want. Added benefits include no annual fee and U.S. based customer service.
The Benefits Of Purchasing With A Discover Card
When you have a Discover card in your wallet, you can make purchases around the globe. You can use the card over the phone, on your mobile phone online, and with over 8 million merchants. Some of the benefits you will get to enjoy include:
- No annual fee
- Low APR
- Low balance transfer rate
- No overlimit fee
You can continue using the card over and over again when you have the credit line. Once you complete the application online and get approval, you will learn of both your APR and your credit line. These are based upon your credit worthiness.
As you use your Discover on all of your purchases, you will earn cash back. At least 1% of all net purchases will go into your cash back rewards account. Discover has various quarterly categories that help you earn 5% cash back. There are also different online retailers that you can purchase from to help you earn more cash back as well. There is no limit to the cash back you can earn and it never expires.
When you're ready to redeem cash back, you decide how much and how you want to redeem. You can request a check, a Discover gift card or a statement credit. You can also use your cash back to pay for millions of purchases on amazon.com.
Ease Of Making Payments
Making payments on your account is easy. Discover gives you until midnight on the day of the due date to make the payment. If you are ever late, you will be penalized only with a fee – never an increase to your APR.
If you don't like the date that your payment is due, you can change it. You can choose the beginning, middle or end of the month for your future Discover payments. This makes it easier to pay for all of your other expenses throughout the month. To change the payment, you can call customer service or you can go online.
When you want to make a payment, you have many ways to do so. You can write a check and put it in the mail. You can pay over the phone with a call to customer service. You can also go online to schedule your payment to be taken directly out of your checking account. For added convenience, you can also schedule your payments to be paid automatically each month, either with the minimum payment, a fixed amount or the full statement amount.
Additional Benefits Of The Card
Many other benefits exist with the card as well. It's an affordable card to have throughout the year. Since there is no annual fee, you don't have to worry about an automatic charge to your account. The cash back and other features are there for you to use as you desire – and at no expense to you.
Some of the other benefits you can look forward to include:
- US Customer support
- Cashback concierge
- Online and mobile tools
- Online application
Customer support is reachable 24/7 with a toll free number found on the back of your card. This will allow you to talk to a representative that is based in the United States. You can ask all the questions you need and have them answered immediately. Whether you want to pay your bill, change your due date or dispute a charge, a representative is always there to help you. For your convenience, you can also choose to send customer service an email through the online account portal.
There is a cashback concierge that you can call. An expert will walk you through your options when it comes to maximizing your cash back throughout the year. The expert will look at past purchases and advise you to how you can do things differently so you can earn more.
Mobile and online tools exist. There is a mobile app as well as online account access to get up to the minute details on your account. You can view balance and available credit, as well as make a payment. Online, you can also download statements, find out what the categories for 5% cash back is for the quarter and much more. You will create a username and password that helps you to create a secure connection. The same username and password will be used for the mobile app as it will be for online.
To apply for the card, the application is available online for your convenience. You can go on at your convenience to apply. You will enter in basic personal information, your social security number and your income information. A check will then be conducted to be sure that you haven't entered any fraudulent information. A credit check will also be conducted. You will then be advised if you are approved for an account in about a minute. If approved, you will be given your APR and your credit line to know what to expect. Discover will expedite the delivery of your card. Once you activate the card, you can begin earning cash back and enjoying the other benefits that Discover has to offer.
You will be able to buy what you want, when and where you want with the Discover It card in your wallet. With all the features, you remain in control of your finances. You also benefit with the cash back so you can buy more with your money.