How to Make the Most of Your Discover it Cash Back Credit Card

Get Cash Back How to Make the Most of Your Discover it Cash Back Credit Card

How to Make the Most of Your Discover it Cash Back Credit Card

Discover Financial Services is one of the most popular financial services companies in America. This company offers several financial services, including checking accounts, savings accounts, and credit cards. Today, we're taking a closer look at the Discover It Cash Back rewards card, revealing everything you need to know about this cash back-offering credit card. 

Discover It Cash Back Summary

The Discover It Cash Back credit card offers 5% cash back at select stores and websites each quarter and 1% cash back on all other purchases. With that being said, you have to activate the offer first to get the 5% cash back on your first $1,500 purchases. Here's a table summarizing where you can shop and get 5% cash back each month:

  • January through March 2022 - grocery stores (excluding Target and Walmart), fitness clubs, and gyms
  • April through June 2022 - Target and gas stations
  • July through September 2022 - PayPal and restaurants
  • October through December 2022 - digital wallets and

Where Can This Card Be Used?

If you've been wondering what are the best cash back credit cards and whether you should apply for a Discover It Cash Back rewards card, you should keep in mind that you can use your Discover card almost anywhere. 

Gone are the days of stores not accepting Discover cards because of the astronomical credit card processing fees required for merchants to get their money. Today, 99% of retailers that accept credit cards accept Discover. You will have no trouble walking into a store and getting 1 to 5% cash back on a purchase if the store you go to accepts credit cards.

How to Sign Up for a Discover It Cash Back Rewards Credit Card

You can apply for a Discover It cash back rewards credit card by calling 1-800-347-2683 (1-800-DISCOVER). If you don't want to call and apply over the phone, you can apply online at If you want to mail in your application, we strongly recommend finding out if you are pre-approved before wasting the toner, paper, envelope, and stamp.

What Income Will I Need to Qualify for a Discover It Cash Back Card?

There is no minimum income requirement to qualify for a Discover It cash back rewards credit card. With that being said, your income needs to be high enough that your risk of not paying at least the minimum monthly payments is low.

Therefore, if you don't make a lot of money, your credit limit may not be very high. If you get approved for the Discover It card and your income increases later, you can use DoNotPay to quickly, easily, and successfully apply for a credit limit increase in the future.

How to Redeem Discover It Cash Back Rewards

There are four ways you can redeem your Discover It cash back rewards that never expire:

  1. Cash
  2. Paying with your Cashback Bonus
  3. Gift cards
  4. Charity

Redeeming Your Cash Back Rewards for Cash

You can redeem your cash back rewards for cash. This cash can be applied to your bill as a statement credit, or you can have your cash deposited into a bank account. 

Paying With Cashback Bonus

You can also use your cash back rewards to purchase goods or services on PayPal or

Gift Cards

If you have at least $5 in rewards, you can purchase gift cards. It will take three business days for physical gift cards to be mailed, but some companies, like 1-800-Flowers and Aerie, have electronic gift cards that can be purchased. You can purchase gift cards in $5 increments for up to $200.


Your fourth and final option for redeeming your cash back rewards is to donate the money to charity. Among the organizations, you can donate to are the:

  • American Cancer Society
  • Foundation

Use DoNotPay to Take Advantage of Discover It Cash Back Deals

Navigating Discover's app or website isn't the easiest thing to do. That said, using DoNotPay to take advantage of Discover It Cash Back deals couldn't be easier; it just takes three simple steps!

  1. Search for Cash Back on the DoNotPay website. 
  2. Kick-off the process to find the right app or website for you. 
  3. Answer some specific questions so that we can help you start making money! 

That's all you have to do! With that being said, you should understand that taking advantage of Discover It Cash Back deals is not all DoNotPay is good for. For example, you can use DoNotPay to:

Learn more about how cash back works on credit cards or debit cardsLearn more about what exactly cash back is
Discover how to get money back from PayPalFind out whether you can get cash back with Apple Pay
Learn about everything you've ever wondered regarding Apple Card cash back rewardsFind out the limit on the Walmart cash back card
Increase your knowledge of the Citi Cash Back cardFind the best cash back apps

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