Writer: Ashley Fricker
Editor: Lillian Guevara-Castro
Perhaps you recently landed a nice raise at work, reduced your credit utilization, or simply, you’ve had your Discover card account for a while now and have always paid on time — it may time to explore how to increase the credit limit on that Discover card.
As with any credit card issuer, Discover offers several ways for cardholders to request a credit limit increase on their card accounts. Below are all the options you’ll need, including how to reach Discover via phone or login on the company’s website. We’ll also look at how to choose a new card and provide a link to some top tips from our experts on how to potentially increase your credit limits.
Call or Login Online | Choose a New Card | 6 Tips from Experts
1. Reach a Discover Credit Analyst by Phone or Online
1. To request an increase over the phone, call 1-800-347-2683.
2. To do it online, log in to your account.
If you don’t have an online account yet, click the orange “Register” button. You’ll need your credit card number and the expiration date, date of birth, and the last four digits of your social security number.
2. Choose a New Discover Card
It’s possible you have a low initial credit limit with Discover because of your credit history. But now that you’ve been a Discover customer for some time now, it may be advantageous to get a new card altogether. Discover has many great cards that offer introductory APRs on both balance transfers and purchases, cash back rewards, and sizable credit limits.
This card is currently not available.
Additional Disclosure: The Discover it® Balance Transfer is no longer available and the offer details may be outdated.
- Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases
- Redeem cash back for any amount
- No annual fee
- Terms and conditions apply
- 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% - 26.74% Standard Variable Purchase APR will apply
- UNLIMITED BONUS: Unlimited mile-for-mile match for all new cardmembers. Discover gives you an unlimited match of all the miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a mile-for-mile match. You could turn 35,000 miles into 70,000 miles
- Automatically earn unlimited 1.5x miles on every dollar of every purchase
- No annual fee
- Turn miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants, and more. Redemption rates for these options may vary and are subject to change
- Terms and conditions apply
+ See more Discover credit card offers
3. Read the “6 Expert Tips” for Increasing Limits
If you decide to reach out to Discover by phone, you’ll want to read this first:
- 6 Expert Tips: Increase Your Credit Limit
This article covers the six tips you’ll need for increasing your chances of approval. Learn what to say and what not to say to the credit analyst, the information you’ll need ready, what to expect, and more. Now go get ’em!
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