The Ultimate Guide to Credit Cards
Saturday, April 4, 2020

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

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

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: March 31, 2020
Advertiser Disclosure

If you’re in the market for a new Discover card, credit score will be a crucial factor in determining which one you may qualify for. But the well established issuer has a card for every range.

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 hijinks. 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 (<620 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.

  • Discover it® Cash Back Application
  • Discover it® Balance Transfer Application
  • Discover it® Miles Application
  • Discover it® chrome Application
  • Discover it® Student chrome Application
  • Discover it® Student Cash Back Application
  • Discover it® Secured Application

Of all the Discover cards, however, the Discover it® Secured is specifically designed as a credit-building card, making it an option for those with less-than-perfect credit. Keep in mind you’ll need to make a security deposit to be approved; your credit limit will be equal to the size of your deposit.

Good Overall Credit Profile

Perhaps because their credit score requirements are so flexible, Discover is known to look closely at your overall credit profile — not just your credit score. If you have a history of missed payments, have opened too many recent accounts, or carry too much of a balance on your cards, you could be rejected. Other credit red flags, such as recent  bankruptcy discharges, may also be cause for rejection.

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

The Discover it® Cash Back provides a generous 5% cash back on quarterly rotating merchant categories such as restaurants, grocery stores, gas stations, Amazon.com, and more. Quarterly activation is needed, and purchases that earn the top rate are capped at $1,500 for the period. All other purchases earn 1% cash back.

1

Discover it® Cash Back

This card is currently not available.

Cash Back Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

As an intro offer, Discover will match all the cash back you’ve earned at the end of your first year automatically. You can redeem cash back any amount, any time, as your rewards never expire. To top it all off, this card also does not have an annual fee. 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.

2

Discover it® Miles

This card is currently not available.

Air Miles Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

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® Balance Transfer offers a 0% APR on balance transfers for the first 18 months (transfer fee will apply).

3

Discover it® Balance Transfer

This card is currently not available.

0% Balance Transfer Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

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.

4

Discover it® chrome

This card is currently not available.

Discover® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

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® Student chrome, which offers student-centric perks such as an annual statement credit for getting good grades.

5

Discover it® Student chrome

This card is currently not available.

Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

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:

1-800-347-2683

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.