Discover it Invitation
If you recently received in the mail an invitation to apply for a Discover it Card take advantage of the offer and apply online at discover.com/it. By receiving an invitation to apply it shows you’ve been pre-selected based on certain credit criteria you met and have a great chance of being approved and extended a credit line.
To get started with the online application process consumers will need to visit the Discover application website and enter your 23 digit invitation code then click the Continue button. The invitation code can be found on your letter by referring to the “Where do I find my invitation number?” link on the application page. There is an image of your letter displayed with the exact location to look for the number.
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The application process is short and shouldn’t take a long time. Because you’ve already been pre-selected some of the pertinent info for applying is filled in for you already to speed up the process. You will still need to enter info such as employment, salary, mortgage/rent amount, etc. After completing the application and clicking Submit you will receive an instant decision on your credit card acceptance.
Discover it Credit Card Features
The main features you will enjoy as a Discover it cardholder is the cash back earning opportunities, 0% introductory APR on purchases and balance transfers for the first 14 months, and no annual fee. There are a number of other perks/features cardholders will enjoy that are associated with this card. Here is a list identifying the major benefits of this card:
A Lot of No’s
There are a number of No’s that you typically find with most other credit cards that you won’t find with the Discover it card. There is no annual fee, no fee for the first time you miss a payment, no over the limit fee, no pay by phone fee, no foreign transaction fee, and no increase to your APR for paying late fee.
There aren’t a lot of credit cards that can offer their customers this many No’s but as a new Discover it member you will be able to enjoy these benefits which take away some of the stresses associated with credit cards.
Cash Back Rewards Program
As a Discover it cardholder users will be able to earn cash back on everything they purchase. The baseline for rewards earnings is members will receive 5% cash back on popular spending categories that rotate throughout the year and 1% on all other purchases. The rotating categories consist of gas stations, restaurants, Amazon.com, etc. You will be notified when the changes occur.
When it comes to cash back rewards earnings you don’t have to worry about them expiring because they never expire. They can be redeemed at any time for whatever amount you have accrued.
Cash Match Program
For new cardholders only the current promotion that is going right now is a cash matching program that allows new members to receive a matching of what they’ve earned in cash back money from Discover. One of the examples Discover used is if you earned $101 cash back dollars you will receive an additional $101 from them automatically. It doesn’t matter what you’ve accrued it will be matched.
- Accepted nationwide
- Get your FICO credit score free on your monthly statements of by logging in to your Discover it card online account
- 24/7 account monitoring and if suspicious activity is occurring within your account you will be notified
- Not responsible for unauthorized charges
- Freeze it On/Off account service that in the event of theft you will be protected from new purchases, cash advances, and balance transfers within seconds.
- Customer Service available 24 hours a day to answer any questions you may have
- 0% intro APR on purchases and balance transfers for 14 months, after that standard variable purchase APR between 11.49% and 23.49% – 3% fee for each balance transferred
If you’ve been invited to apply for the Discover it credit card visit discover.com/it and apply online.