How to Check Your Discover Application Status + 7 Best Cards

credit card advice

Eric Bank
By: Eric Bank
Posted: May 11, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Discover issues several types of credit cards, and applying for a Discover credit card couldn’t be simpler. The Discover it® Cashback card is one of our most sought-after offers and stands out from the competition because of its year-end bonus and many consumer-friendly features. This no-annual-fee card lets you redeem your rewards for cash whenever you want, in any amount, and the cash-back percentage on quarterly rotating categories is one of the most generous rewards programs in the industry. While many people apply for the card, only some are left wondering about their pending status.

The online process moves quickly and you get your status right away – accepted, denied, or pending. In the latter case, a human analyst is required to complete the process, which naturally takes longer. You can check your status in a couple of ways if you are awaiting a final decision.

Online | Phone | DenialsBest Discover Cards (7)

Check Online with Your SSN & ZIP Code

Discover makes it easy to check your approval status online. Simply go to the Check Status page and enter your Social Security number and your ZIP code. It only takes a few seconds to get your update, and you can check as often as you like.

Screenshot of Discover Card Application Status

Check the status of your pending Discover card application online as often as you like.

This method is the quickest way to check your pending application status and the process is completely secure.

Call 1-800-DISCOVER to Connect with an Agent

If you prefer, you can call 1-800-DISCOVER to get your current application status. After dialing, press # and then 4. This shortcut lets you avoid listening to all the tedious options available to callers.

Reasons Your Application Could Be Denied

Pending status usually denotes that some of your information needs further verification. Often this can arise due to differences in an address, misspellings, or perhaps a transposed number. The credit card issuer is doing you a favor by rechecking information because it helps prevent identity theft. If Discover cannot confirm your identity, it can’t issue you a credit card.

Unfortunately, a percentage of Discover applicants will be denied. You can look to your credit history and credit scores as the main culprit. Every major credit card issuer has minimum standards for acceptance that can trip you up, be it a low credit score, certain derogatory marks (bankruptcy, foreclosure, defaults, etc.), or a scant credit history. Before you apply for credit, check your credit reports and scores issued by the Big Three credit bureaus, Equifax, TransUnion, and Experian. Correct any incorrect information and add comments when necessary to explain negative data.

Credit Score Pie Chart

You can improve your credit scores in several ways. One is not to apply to multiple creditors within a short time period – piling up creditor inquiries drives down your credit score, although the impact is usually small. Simply opening too many new accounts in rapid succession can also hurt your score by reducing your average account age. Also, check your credit utilization ratio – the amount of credit you are using versus the amount approved.

Generally, values above 30% hurt, while ratios below 10% to 20% help. If you first pay down your existing balances, you have a much better chance of qualifying for a new credit card.

Whatever the cause, a denial from Discover will not necessarily prevent you from obtaining a credit card from another issuer. Each card comes with its own standards, and some are more forgiving than others. Most issuers allow you to pre-qualify before they hard-pull your credit and drive down your score. Whether your credit is good, bad, or non-existent, there is a credit card perfect for you.

7  Best Discover Cards to Apply For

With Free FICO Score tracking, travel benefits, fraud protection, superior customer service, and top-notch rewards, it’s no wonder Discover cardholders have rated their experience with the issuer a 4.8 out of 5 based on more than 25,000 reviews. Below are our expert’s seven favorite Discover cards to apply for, with options for every credit standing.

Good Credit (4) | Student Cards (2) | No/Limited/Bad Credit (1)

Cards for Good Credit (FICO Score 700+)

FICO scores range from 300 to 850. If your score is excellent, (i.e., above 750), you can pick just about any credit card on the market. You also have many alternatives if your credit score is good, between 700 and 750. Discover offers four great options for those with good credit, whether it’s cash back, air miles, or an extended 0% balance transfer period you’re after.

Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 23.99% Variable
$0
Good/Excellent
Discover it® - 18 Month Balance Transfer Offer Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
11.99% - 23.99% Variable
$0
Good/Excellent
Discover it® Miles Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
11.99% - 23.99% Variable
$0
Good/Excellent
Discover it® chrome Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 23.99% Variable
$0
Good/Excellent

+See More Cards for Good Credit

Cards for Students

Discover has some of the most desirable student cards on the market. This is due to its solid cash back rewards program that rivals many non-student cards available to those with good credit. This is a big deal because these student offers are most applicant’s first credit card.

Use it responsibly to build upon your credit history so when you’re no longer a student, you can still qualify for cards with the best rewards programs — it wouldn’t be ideal to go from a card like one below to another with lesser benefits!

Discover it® chrome for Students Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
4.5
OVERALL RATING
4.0/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
13.99% - 22.99% Variable
$0
Fair
Discover it® for Students Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
13.99% - 22.99% Variable
$0
Fair

+ See More Cards for Students

Cards for No/Limited/Bad Credit (FICO Score <650)

Bad credit is associated with black marks, such as defaults, bankruptcies, foreclosures, late payments, or scant credit history. But take heart, Discover still offers a credit card for consumers with imperfect credit. Here is our top-rated Discover card for folks who fall into this category.

Discover it® Secured Card - No Annual Fee Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★
3.7
OVERALL RATING
3.7/5.0
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
23.99% Variable
$0
Please refer to issuer's website

+See More Cards for No/Limited/Bad Credit

Discover the Best Card for Your Wallet

Applying for one of the many Discover credit cards is very much worth your while, as their flexible rewards program is just one of the many perks cardholders enjoy. If your application was denied, you can call Discover to discuss why. Sometimes, the problem may be resolved by clarifying or correcting some data. If you can’t get to ‘’yes” with Discover, another issuer might fit the bill a lot better. By understanding your credit score and choosing among our top picks, you’ll be able to identify the card that best fits your lifestyle.


Photo credits: Thebalance.com