Who can apply?
Discover does not publish a minimum score, but this card is typically approved for good credit. You will need to:
✔️ Be at least 18 years old
✔️ Have a Social Security Number and a U.S. mailing address
✔️ Have a good to excellent credit history (roughly FICO 670 or higher)
✔️ Report income that supports a new credit line
✔️ Have a U.S. bank account for payments
What are the rates and fees?
Discover’s fee schedule for this card, as published in September 2026:
✔️ Annual fee: $0
✔️ Purchase APR: 0% intro for 15 months, then 17.49% to 26.49% variable, based on creditworthiness
✔️ Balance transfer: 0% intro APR for 15 months; intro fee of 3% of the amount transferred, up to 5% for future transfers (see the current terms)
✔️ Foreign transaction fee: none
✔️ Late payment: no fee on your first late payment, then up to $41
✔️ Cash advance: fee of $10 or 5% of the amount, whichever is greater, at the cash advance APR
Rates move with the prime rate; the exact APR you receive is set at approval and shown before you accept.
What documents and information do you need?
✔️ Full name, date of birth and Social Security Number
✔️ Home address, phone number and email
✔️ Employment status, total annual income and available assets (Discover asks for both)
✔️ Monthly housing payment
✔️ Bank routing and account numbers if you set up payments immediately
A piece of advice for you!
Check pre-approval before applying. Discover’s tool uses a soft inquiry and shows whether you are likely to be approved and at what APR, which is useful for deciding whether to apply now or work on your score first.
Set a calendar reminder for the first week of every quarter to activate the 5% categories. The activation takes ten seconds in the app; forgetting it is the most common way people leave money on the table with this card.
If you plan to use the 0% period for a big purchase or a balance transfer, divide the balance by the number of months left and set that amount as autopay. A balance still open when the intro period ends jumps to the regular APR immediately.
Do not redeem cash back in a hurry to ‘lock in’ the match. The match is calculated on everything earned during the first year, whether redeemed or not, and paid after the twelfth statement.
Apply now on Discover’s official website!
On the official page, choose the Discover it Cash Back, run the pre-approval check and, if you like the offer, submit the application. Decisions are usually immediate and the card arrives within a week. Tap the button to go there.
