Discover
Get unlimited Cashback Match, 0% intro APR for 15 months, and no annual fee. Perfect for earning cash rewards without complicated requirements.
The Discover it® Cash Back Credit Card stands out with its unlimited Cashback Match at the end of your first year. The card offers a 0% intro APR for 15 months on both purchases and balance transfers, making it excellent for anyone wanting flexibility with payments or consolidating balances. The ongoing APR ranges from 17.49% to 26.49% (variable), and importantly, there is no annual fee. Credit limits depend on creditworthiness, making it accessible for many users seeking a solid cashback option.
How To Apply
To apply, start by checking if you’re pre-approved. This step won’t impact your credit score. After verifying your pre-qualification, fill out the online application form with your personal and financial details. If approved, you’ll receive your credit limit and can begin using your card for everyday purchases to earn cash back right away.
Highlights and Pros
One big advantage is the unlimited dollar-for-dollar match of all cashback earned in your first year, making it easy to maximize rewards. Additionally, you get 5% cash back at selected stores each quarter (with activation), and 1% on all other purchases. The card emphasizes simplicity with no annual fee and clear rewards, helping cardholders save money.
Potential Cons
The rotating 5% cashback categories must be activated each quarter, which could be inconvenient for some. Balance transfers incur an introductory 3% fee, increasing to 5% later. Also, higher ongoing APRs could be a drawback if balances are carried from month to month.
Final Verdict
Overall, the Discover it® Cash Back Credit Card is a compelling choice for Nigerians looking for strong rewards, especially thanks to its unlimited Cashback Match. As an unbiased reviewer, I find this card best suited for those who pay off monthly balances and engage in regular spending.