www.applydiscover.com is the perfect order of business for consumers searching for the ideal credit card that will offer rewards, such as miles, while also helping you build your credit score. Look no further than the Discover it Card. This credit card product is not only widely accepted, but it also has a range of benefits that make it a great choice for anyone looking to apply for a new credit card. Credit card issuers like Discover consider applicants’ payment history, credit report, and other factors when determining approval rates, whether it’s for student credit cards, cards for fair credit, or even bad credit.
Consumers or students interested in applying for a Discover IT card and who have been pre-approved in advance to receive their 0% introductory APR offer for the first 18 months can take advantage of the exclusive offer by applying one of three ways. These offers are often attractive to cardholders looking to make balance transfers or consolidate loans from other credit card companies with high transaction fees.
- Via QR Code
- By phone
How to Apply for Discover IT Online
Before you apply for any credit card, it’s important to research the details and check your credit score to make sure you are likely to qualify. You can request a free credit score report from any of the three major credit bureaus: Equifax, Experian, and TransUnion. You can also use a free credit score monitoring service, such as Credit Karma or Credit Sesame, to keep track of your credit score over time. Reading reviews from other customers and cardholders may also be helpful in evaluating credit card offers.
To apply for the Discover it Card, simply visit the Discover Card website and click on the “Apply Now” button. You’ll be taken to a secure application page where you will need to provide some basic personal and financial information, such as your funds, savings, and transactions.
- Visit www.applydiscover.com
- Enter your 23 digit Discover personal invitation number
- Click the orange Start Your Application button
The next page of the application process will reveal which Discover IT card you’ve been pre-approved for. You will need to select your card design and finish completing the online application. If you have any questions during the process, don’t hesitate to ask.
By being pre-approved in advance, some of the applydiscover.com application information has already been pre-filled for you to help speed up the application process. You will need to enter info such as:
- Date of birth
- Employment status
- Monthly housing or rent
- Total gross income
- Email address
Read your terms and conditions, faqs, including more information about your credit card and prime rate, then agree to the Terms and conditions.
- Click the orange Submit button
Continue on with the rest of the applydiscover.com application process, which shouldn’t take but a few more minutes, and at the end, you will receive an instant decision.
The application for the Discover it Card is fairly straightforward. You’ll need to provide your name, address, social security number, and annual income in dollars. You’ll also need to select the type of card you want (Discover it Cash Back, Discover it Balance Transfer, or Discover it Student Cash Back).
How to Apply for Discover IT Card By Phone
If you are not interested in applying online, which is the fastest option for getting accepted, you can conveniently call the toll-free number below and speak with a representative. They will take all of your information over the phone from start to finish.
- Call 1-800-756-4336
Call the toll-free number and speak with a Discover Card agent who is available 24 hours a day, 7 days a week. If you have any questions or concerns about your Discover Card account, you can call the customer service line and be connected with a knowledgeable agent who is available to help you.
The agents have been trained to answer any questions you may have about your account, credit history, and provide you with the best customer service experience possible. For example they are knowledgeable in all areas of banking and finance, and they have the expertise to help you make the most of your financial decisions.
Whether you need assistance with setting up a new account, understanding the complexities of investments, or creating a budget, it is important to take the time to ensure that you are making the best decisions for your financial future. Taking the time to research and understand the variety of financial options available to you is what the trained agents are there for.
How to Apply for Discover IT Card Via QR Code
If you received an offer in the mail, you can apply for the Discover IT card by scanning the QR Code on your letter. You can use your mobile device or smartphone, and once scanned, you will be taken to an online application that you can complete versus going to the applydiscover.com site.
Discover IT Card Highlights
- 0% intro APR for 18 months from date of account opening
- After intro APR expires you will receive a rate based on your creditworthiness
- 0% intro APR for 18 months on balances and purchases
No annual fee – Unlike many other credit cards, the Discover it Card doesn’t have an annual fee. This means that you won’t have to worry about paying a fee each year just to keep the card.
For the first 14 months after you open your account, you’ll enjoy a 0% APR on purchases and balance transfers. This can be a great way to save money on interest charges while you pay off your balance. The balance transfer fee may also apply to specific credit card offers.
5% cash back on everyday purchases at different places each quarter – With the Discover it Card, you can enjoy cash back rewards on all of your purchases. You’ll earn 1% cash back on every purchase you make, and 5% cash back on rotating categories throughout the year. These categories include things like gas stations, grocery stores, or restaurants.
1% cash back on all other purchases
Unlimited Cashback Match at the end of the first year
$0 Fraud Liability
Social security number alerts
Freeze your account in seconds
100% US-based 24/7 customer service
Free FICO credit score
Card accepted at 99% of places
Redeem your rewards for cash in any amount
Tips for Getting Approved for the Discover it Card
While the Discover it Card is a great choice for many people, it’s important to remember that not everyone will be approved for the card. Here are a few tips for increasing your chances of getting approved: make timely payments on existing credit accounts, maintain a low credit utilization rate, and ensure your credit report accurately reflects your financial history.
Check Your Credit Score
As mentioned above, it’s important to check your credit score before you apply for the Discover it Card. If your credit score is low, you may want to work on improving it before you apply.
Pay Down Debt
If you have a lot of outstanding debt, it can be difficult to get approved for a new credit card. Work on paying down your debt as much as possible before you apply.
Don’t Apply for Too Many Credit Cards at Once
Applying for multiple credit cards at once can hurt your credit score and make it harder to get approved for any of them. Instead, focus on applying for one card at a time.