Ad Disclosure Ad Disclosure
Report Abuse
This question is about Discover Credit Cards
see this user
WalletHub, Financial Company
@WalletHub
Permalink Report Abuse
The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there’s no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).
Minimum Credit Score Needed for Each Discover Card
- Discover it® Secured Credit Card: No minimum score, applicants with bad credit are eligible for approval (below 640).
- Discover it® Student Cash Back: Available to applicants with limited credit (less than 3 years of credit history).
- Discover it® Student Chrome: Available to applicants with limited credit (less than 3 years of credit history).
- Discover it® Cash Back: Good credit (700+) required.
- NHL® Discover it®: Good credit (700+) required.
- Discover it® Chrome: Good credit (700+) required.
- Discover it® Miles: Good credit (700+) required.
There aren’t any Discover cards that flat-out require excellent credit, currently. But we recommend a score of at least 700 for the cards that require good credit for approval. If you’re not sure how your credit is doing, you can check your latest credit score for free on WalletHub.
You should note that while your credit score is important, Discover will also consider other factors, such as how your income compares to your debt, your employment status, whether you own or rent your home, how many loans and lines of credit you already have open, and more.
This answer was first published on 11/23/17 and it was last updated on 03/19/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Report Abuse
Two people I know with scores in the low 600s were both denied for a Discover It secured credit card, so there's a lot more to it than just your score. I didn't even know you could be denied for a secured credit card.
Report Abuse
Would I be able to get a discover it my FICO is 643 Experian 625 trans union 615 equivalent?
Report Abuse
incorrect info...my friend just got a 6,ooo dollar limit with 671 score
Show More
Hide
2024's Best Discover Credit Cards
2024's Best Discover Credit Cards
Compare Cards
Compare Cards
Popular Discover Credit Cards
-
Discover it® Miles
LEARN MORE
-
Discover it® Chrome
LEARN MORE
-
Discover it® Cash Back
LEARN MORE
-
see this user
whuser67090624, Member
@whuser67090624
Permalink Report Abuse
I got approved with an Experian score of 626. I got offered a choice of two cards, I took the Discover It Cash back card. I have a lot of open accounts, but only one has a very high balance. My utilization score is in the 30s. It has been several years since I made a late payment but it still shows on my credit. I only carry a balance on one card, I pay off anything else each month. So hopefully that helps you decide whether or not to get to the actual application.
This answer was first published on 06/14/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
see this user
charleslyons13, Member
@charleslyons13
Permalink Report Abuse
My score is a 660 and I was pre-approved but I never followed up what would be the credit limitand would I get approved
This answer was first published on 06/01/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Report Abuse
I was just approved with a 660 at a $4500 credit limit. Only 10 months out of a discharged bankruptcy!! I was shocked!!
People also ask
How can I improve my Discover card approval odds?
Your Discover card approval odds depend mostly on your credit, income, existing debt obligations and, of course, which Discover credit card you have your eye on. Most Discover cards require good credit or better for approval. But the Discover it® Secured Credit Card is available to people with bad credit, and there’s a pair of student cards that don’t require prior credit experience. In any case, like with any other credit card, there are no guarantees that one will get...
read full answer
What is the best Discover card for bad credit?
The best Discover card for bad credit is definitely the Discover it® Secured Credit Card. In fact, it’s really the only Discover card that you can count on getting despite a bad credit score. Here’s how it works: When you apply, you place a security deposit of at least $200, which will become your credit line if you’re approved. This refundable deposit acts as collateral for Discover, reducing their risk.
But that’s not all you need to know...
read full answer
How do you qualify for Discover pre-approval?
There are two ways you can qualify for Discover pre-approval: You can either proactively check which credit cards you pre-qualify for using Discover’s free online tool, or you could receive a pre-approved Discover offer in the mail.
There’s a good chance you’ll be pre-approved for at least one Discover card, as Discover has cards for people of all credit levels. But it’s important to remember that pre-approval does not actually guarantee you’ll get a...
read full answer
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: NHL® Discover it®.
