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Card overview
- Annual fee
- $0
- Ongoing purchase APR
- 17.74%–26.74% · Variable; based on issuer assessment
- Introductory purchase APR
- 0% · 15 months
- Recurring rewards
- Base rate: 1.0% · Only the listed recurring categories are modeled. Enrollment, rotation, portal bookings and other enhancements may be excluded. Verify merchant exclusions at the issuer.
- Eligibility
- Not confirmed from the retrieved official information
- Information reviewed
- 2026-10-15
A review date does not mean every field is confirmed. Unconfirmed fields are shown explicitly. Introductory offers, issuer approval and future rate changes remain subject to official terms.
Identity, visa, income and documents
- SSN / ITIN
- No card-specific ITIN application route has been verified. Ask the issuer before applying.
- Immigration status and visa
- No card-specific F-1/OPT, H-1B or other temporary-visa eligibility has been verified. An SSN, ITIN or U.S. mailing address alone does not establish eligibility. Confirm actual residence, accepted status, visa/document expiry and application channel with the issuer.
- Income and repayment assessment
- No fixed annual income threshold has been verified for this card. Issuers assess income/assets and existing obligations. Being below an invented threshold—or above it—does not determine approval. Under 21: independent ability-to-pay rules apply. Age 21+: reasonably accessible income/assets may be considered under applicable rules and the application instructions. Do not automatically report all household income.
- Information and possible follow-up documents
- Prepare your legal name, date of birth, actual address, contact information, tax-ID type, employment, income/assets and housing costs. If requested, examples of evidence include government ID/passport, address evidence, pay stubs, tax records or statements. This is a general preparation list, not a verified mandatory document list for every card. Upload only through the issuer’s secure channel.
- Application channel
- This opens the official card information page. Use its application instructions after checking identity, income, fees and current availability. Opening this page is not preapproval.
Official evidence and scope
General issuer guidance / preparation examples · 2026-10-20
Issuer terms control fees, rewards and eligibility. Unverified terms are not shown as confirmed amounts. Categories do not guarantee approval.
How to apply, step by step
- Confirm the exact card name, issuer and application requirements.
- Review the latest fees, APR, reward rules and any deposit on the official issuer page.
- Select the issuer’s application button. If the exact application is unavailable, use its credit card category to locate the product.
- Enter application information only with the issuer. Xinyongka does not collect SSNs, card numbers or application documents.
- Keep the application reference, follow any official verification request, and set up statement and payment reminders if approved.
Official product source: https://www.discover.com/credit-cards/cash-back/it-card/