Banking

What credit score do I need for a Discover credit card?

Discover has a large list of popular credit cards. If you’re considering applying, you’ll probably want to know the credit score required for a Discover credit card.

Like all credit card companies, Discover looks at many different factors when applying for a credit card. There is no set credit score for a Discover credit card because your entire credit history and financial profile are important.

There are, however, suggested credit scores for Discover credit cards. With this information, you can choose a Discover card where you have a high chance of being approved.

What credit score do I need for a Discover credit card?

You can get a Discover credit card with any credit score or even no credit history. Discover offers credit card options suitable for all consumers.

If you have bad credit or no credit history, you can get a secure card with Discover. For students with little or no credit history, Discover offers student credit cards. Good credit, on the other hand, will qualify you for the best Discover credit cards.

To help you choose a card, here are the Discover credit cards you can choose from based on your credit situation.

Bad credit or no credit history

Discover has a secure credit card, the Discover it® secure credit card, for consumers who need to build or rebuild their credit. This is an example of where there is no minimum credit score for a Discover card. Since this is a secure card, you will need to pay a security deposit to open it. You can choose an amount from $ 200, and this will also be your starting credit limit.

While you may need a little bit of cash upfront to get the Discover it® secure credit card, this card may progress to an unsecured card. This means that Discover upgrades your card and refunds your deposit.

Good to excellent credit

You will likely be eligible for any Discover card if you have good or excellent credit. To clarify, a good credit score is a FICO® score of 670 or higher.

In this case, it makes sense to go with one of the more valuable Discover credit cards. These are:

Students build credit

Discover offers two student credit cards for students who have not yet built up a lot of credit history. You can get one of these cards even if you don’t have a credit history. Discover student cards are:

Check if you are pre-approved

An easy way to determine which Discover cards match your financial profile is to use the card issuer’s pre-approval tool. It only requires a smooth credit check, which has no effect on your credit score. Instead of determining the credit score of a Discover card, this tool can show you which Discover card matches your credit score.

Here’s how to check if you’re pre-approved for a Discover credit card:

  1. On the Discover site, click “All Products,” “Credit Cards,” then “Check to see if you are pre-approved”.
  2. Fill out the pre-approval form.
  3. Click “Check Now” to see your results.

Finding out pre-approval doesn’t mean you are guaranteed to be approved, but it does mean that there is a high probability that you can get these cards.

Apply for a Discover credit card

The correct credit score for a Discover credit card will depend on the Discover card you choose. Once you find one that works with your credit score or choose one using Discover’s pre-approval tool, you can apply for it.

If you don’t know where to start, here’s how to apply for a credit card: Click “Apply Now” on the card page to begin your application. Complete the application; the process only takes a few minutes. Many applicants receive a decision quickly.

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