Discover Card (Credit Score Needed + Top 5 Discover it® Cards)

By: Brittney Mayer • 5/24/2018

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.

Advertiser Disclosure

Advertiser Disclosuretap to close is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Finding the right credit card in the sea of options can be as difficult as finding a specific fish in the ocean, and without the fun Finding Nemo hi-jinks. In fact, with so many cards on the market seeming to offer the same rewards, it can feel more like finding Nemo — in a tank of clown fish.

At the end of the day, picking the best credit card from the group comes down to selecting an issuer with great customer service and helpful features that can actually help make your credit card experience an enjoyable one.

With awards for customer service three years running, the Discover it® line is an obvious choice for great credit cards. With their popular FICO credit score tracking feature and awesome rewards, there’s a Discover card perfect for just about anyone.

Requirements | Compare & Apply (5) | Other Options | Reconsideration

Credit Score Needed, Plus Other Requirements

Your credit score is, and will likely remain, an important part of the credit card approval process. That said, advances in data collection and analysis are starting to have an impact on how companies determine credit risk. Your overall credit profile is becoming just as important as your numerical score.

Sources Suggest a Minimum 648 FICO Score

Most card companies don’t actually have a hard and fast minimum score for approval. That said, if you have a low credit score (<640 FICO), you’ll likely need an issuer that deals specifically with subprime consumers.

For Discover it® cards, most reports indicate a FICO score between 680 and 720 should get you a good offer. One myFICO user reports being approved with a credit score of 648, suggesting Discover may have more flexible credit score requirements.

The Discover it Secured Card, however, is an option for those with less-than-perfect credit, as a deposit equal to your credit limit is required upon approval.

Good Overall Credit Profile

Perhaps because their credit score requirements are so flexible, Discover is known to look closely at your overall credit profile. If you have a history of missed payments, have opened too many recent accounts, or carry too much of a balance, you could be rejected.

Positive History with Discover

If you already have a Discover card, or have had one in the past, you should consider your relationship with Discover — because they will. If you haven’t been paying your bill on time, had a delinquent Discover account in the past, or have otherwise soured your relationship, you’ll likely be rejected for additional Discover cards.

Compare Discover it® Cards & Apply Online

The specific Discover card that’s right for you will depend on your specific needs, but they’ll all offer the same great benefits, like free FICO credit score tracking and no annual fee.

For Cash Back

Offering one of the largest cashback percentages, the Discover it® Cashback Match card will net you 5% cashback in rotating categories each quarter, including places like department stores or Amazon.

Bonus cashback is limited to $1,500 each quarter. Click here to see the current Discover bonus rewards calendar.

For Travel Rewards

For the avid traveler, or just the odd vacation-goer, miles can be a great way to make your journey more affordable. The Discover it® Miles card offers an unlimited 1.5 miles for every dollar spent, and can be redeemed without worrying about blackout dates.

While you can cover your airfare with miles, some airlines may require other fees, so be prepared to spend a little out of pocket to cover miscellaneous costs.

For Balance Transfers

It’s never a good idea to carry debt, but sometimes it’s unavoidable. To take the interest-rate sting out of carrying a credit card balance, the Discover it® 18 Month Balance Transfer Offer will include a 0% APR on balance transfers for the first 18 months.

Make sure to pay your balance before the end of your offer term to avoid paying interest.

For Everyday Use

For the everyday meals and tank fill-ups, the best card is the Discover it® chrome, which comes with bonus cashback rewards for restaurants and gas station purchases.

Unlike the rotating categories, you don’t need to sign up to activate your bonus rewards for this card. Bonus rewards will have quarterly limits.

For Students

Getting started on the path to a good credit history should begin early. To start building good credit, try the Discover it® chrome for Students, which offers student-centric perks such as rewards for getting good grades.

Using your student credit card responsibly is the key to building a positive credit history. Pay the balance in full and on time every month.

If You Didn’t Get Approved Due to a Low Credit Score

If you were rejected for a Discover credit card because of a low credit score or poor credit history, your best option is to take time to rebuild your credit before reapplying. The appropriate method for building your credit will depend on your particular circumstances, but here are a few general tips:

  • Pay off existing debt balances to lower your utilization rate
  • Avoid late fees or missed payments by automating bills
  • Check your credit report regularly and remove errors

Rebuilding good credit can take time, so be patient. Your diligence will be rewarded with better spending limits and interest rates in the future.

Try Reconsideration as a Last Resort

In the event you are rejected due to inaccurate or erroneous information, you can try calling Discover and asking for a re-evaluation of your application. Use the number below to reach Discover customer service:


Though not guaranteed to work, by any means, explaining your situation to a person who can look at your report firsthand may get you an approval. Remember to remain polite during the call, though, or you’ll likely be stuck fishing for another card.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Brittney Mayer

Brittney is a Contributing Editor for Digital Brands, Inc., where she uses her extensive research background to develop comprehensive guides and in-depth company profiles for and Brittney specializes in translating complex ideas into readable, engaging content for B2C and B2B audiences.