The right credit score for a Discover credit card will all depend on which Discover card you choose. Those with lower scores under 580 generally fall into the poor credit range and may have difficulty getting credit or qualifying for better loan terms. Freeze It: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. Youll need to be 18 or older to apply for a card. Learn more atDiscover.com/digitalwallets. So they may consider your credit score, income and more. For online purchases, the transaction date from the merchant may be the date when the item ships. Action required: Update Credit Score Requirements: Credit Score requirements are based on Money Under 30s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. web browser. dcit-1. dcmi-3. Detect, notify, and resolve identity theft. If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). 5 stars equals Best. Cashback Match:Only from Discover, as ofOctober 2022. We frequently work with local, state and federal authorities to help bring these criminals to justice. Once you become a Discover it student cardmember, you can earn a statement credit each time you refer a friend and they're approved.7. When Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. website, please turn JavaScript on. Easily redeem Miles as a statement credit for travel purchases or get cash. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. NHL 2021. Filter results further by searching for transaction types and tag them for proper categorization. You must meet other applicable underwriting criteria. Circle with letter I in it. Follow Us on Twitter opens in a new window, Like Us on Facebook opens in a new window, Contact with Us on LinkedIn opens in a new window, ACCREDITED BUSINESS opens in a new tab Opens in a new window, Member FDIC opens in a new tab Opens in a new window, Learn Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Action required: Update browser to access this page. Your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked or charged off. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash APR: x%variable. No annual fee and build your credit with responsible use. Understand my Equifax credit report and score, Get a free copy of my Equifax credit report, Place or manage a freeze on my Equifax credit report, Dispute information on my Equifax credit report, Place or manage a fraud or active duty alert, Analyze Multi-Data Assets for Credit Risk, Improve Collections & Recovery Strategies, Verify Eligibility for Government Programs, Improve Marketing Strategies, Tactics & Results, Environmental, Social & Governance Priorities, Dispute information on your Equifax credit report, Other ways to get additional free credit reports, Sign up for active duty credit monitoring, Uncover potential fraud with 3-bureau credit monitoring and alerts, Feel more confident knowing that the dark web is being monitored for your Social Security Number, Help better protect up to 4 children by locking their Equifax credit report, Know where you stand with access to your 3-bureau credit scores and report, Help monitor your credit and Social Security number, Uncover potential fraud with credit monitoring and alerts, Receive alerts of key changes to your Equifax credit report, Should you become a victim of identity theft, our dedicated ID Restoration Specialists will work on your behalf to help you recover, Know when key changes occur to your credit score and Equifax credit report with alerts, Easily lock your Equifax credit report and be alerted if an attempt to access it is blocked, Keep track of your financial progress with monthly VantageScore credit scores, Feel credit confident with monthly access to your Equifax credit report, Request and view your Equifax credit report, Place or manage a security freeze, fraud or active duty alert. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Only from Discover. Just to see the cards they carry? Choose to view the details in a pie chart, graph or list format. Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans. Find out which credit cards you qualify for by trying an online card pre-approved tool, checking doesn't impact your credit score and can personalize your offer. Variable APRs will vary with the market based on the Prime Rate. One simple way to figure out which Discover cards match your financial profile is by using the card issuer's pre-approval tool. Different lenders have different criteria when it comes to granting credit, which may include information such as your income or other factors. You can get a Discover credit card with any credit score or even no credit history at all. To learn more, visit Discover.com/FICO. Our U.S.-based credit card specialists are here to help. Different credit cards require a different credit rating for approval. Many or all of the products here are from our partners that pay us a commission. Cash Back Credit Cards:Discover itCash Back, Gas & Restaurant Card, NHLDiscover it, Student Credit Cards:Discover it StudentCash Back, Student Chrome Card, Secured Credit Card:Discover itSecured credit card. Message a U.S. -based agent to get your questions answered. Learn about the options you should consider when looking for the best gas credit card. Yes, Discover Student Chrome reports card activity to all three major credit bureaus. You will not be notified whether a specific referral was approved or declined. To protect your account security, x% IntroBalance Transfer Fee until . Discover credit cards include rewards like cash back or miles so you can pick the best rewards credit card for you. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. This benefit may change or end in the future. No purchase minimums. Cash APR: x%variable. Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. Compare your offers by rewards, sign-up bonus, benefits, APR (including introductory rates), fees and credit limits. Discover offers email and text alerts that youll be able to activate to stay informed of when your: If you use your Discover it Student Chrome card responsibly,3 it can be a helpful part of your strategy to build a credit history. For personal Discover credit card account managers are available Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Youve had no account activity for 180 days, in which case the score will also be unavailable online or on our mobile app. Your score can fluctuate month to month if new credit information is shared with the credit bureau. If you're thinking of applying for one, then you probably want to know the required credit score for a Discover credit card. PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Learn If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. This is one example of when there's no minimum credit score for a Discover card. advice regarding your financial situation, please consult with a financial advisor. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. 5% Cashback Bonus: For Discover it and Discover More cardmembers only: Activate to earn 5% Cashback Bonus at Amazon.com and Digital Wallets from 10/1/22 (or the date on which you activate 5%, whichever is later) through 12/31/22, on up to $1,500 in purchases. What should I know before applying online for a credit card? Compare credit cards to find which offer is right for you. It is calculated using information in your Equifax credit report. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. About 1.6% of the U.S. population had perfect FICO scores as of April 2019, according to a FICO report. Only from Discover. Similarly, hard inquiries, delinquent payments, and past-due accounts may impact your score. Checking if youre pre-approved wont harm your credit, but applying for credit cards may impact your credit score. We will apply payments at our discretion, including in a manner most favorable or convenient for us. For students with limited or no credit history, Discover offers student credit cards. Discover will automatically match all the cash back you've earned at the end of your firstyear.1So you could turn $50 cash back into $100. Each credit score has a different scale: For example, CRIF has a range of 300-900 while Experian has a range of 300-850. Discover provides you a FICO Score for free without affecting your credit. Lets review what happens to credit card debt after death, and how Discover helps you close the deceased persons credit card account. Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans mayadversely impact your ability to build credit. more in the Discover Help Center, Why Its Important to Pay Your Monthly Bills on Time >, Provide all required application information. Do you spend a lot of time driving? the display of rates and APRs. The score Discover provides may be different than other scores you see for several reasons: No. x% Intro Balance Transfer Fee until. theres no impact to your credit to check. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. You can use the Discover mobile app to set alerts, view your FICOScore for free4 and more, all from your smartphone, tablet or wearable. You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). It allows you to make a payment, see recent payment activity, view automatic payments, change payment due date and view the bank accounts youve connected to draw payments from. The Equifax Credit Score ranges from 280-850. Credit card fraud is a serious crime that is punishable by law. Amazonis not a sponsor of this promotion. Fill out the application; the process only takes a few minutes. What is a credit limit for a credit card? Good/Excellent (670-850) Some credit cards like Discover provide $0 Fraud Liability Guarantee, which means youre never responsible for unauthorized purchases on your DiscoverCard.5 Also, credit cards often provide extra benefits, like providing helpful alerts on your spending and more. FICO Credit Score Terms: FICO is a registered trademark of Fair Isaac Corporation of the United States and other countries.Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Circle with letter I in it. See rewards terms and conditions. Learn more atDiscover.com/fraudFAQ. Info Icon dsit-4. Joint account holders and authorized buyers do not receive FICO Scores from Discover. {rating} average out of {total} ratings on the App Store as of {date}. You'll Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Check your balance, pay bills, review transactions and more using the Discover Account Center, 24 hours a day, seven days a week. Minimum interest charge: If you are charged interest, the charge will be no less than$.50. Just a dollar-for-dollar match. Approximatelyevery 90 days we will scan for your online personal information at 10 select people search sites and submit opt-out requests on your behalf. and terms and conditions for the website you are visiting. credit utilization ratio) might help you earn and keep a better credit score. Intro Balance Transfer APRisx%forx monthsfrom date of first transfer, for transfers under this offer that post to your account bythen the standard purchase APR applies. Its a good idea to check your credit score or get a copy of your credit report before applying for a new card. Discover and other lenders may use different inputs, such as FICO Credit Scores, other credit scores and more information in credit decisions. Learn Find low rate credit card balance transfer offers with Discover, save money and pay down your transferred balances faster. What credit score do I need for a Discover credit card? Just a Miles-for-Miles match. Yes, you can contact Customer Service online with asecure messageor alive chat. See tailored job recommendations based on your interests. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. 1 star equals Poor. review and enter to select. Explore our Secured credit card to help build your credit Poor: 280-559 Fair: 560-659 Good: 660-724 Very Good: 725-759 Excellent: 760-850. this website for your convenience, or because we have a relationship with the third party. gjvv-7. It only requires a soft credit check, which has no effect on your credit score. Please Note: JavaScript is not enabled in your Some cards are only for people with excellent credit or good credit. gjvr-2. In this case, it makes sense to go for one of the most valuable Discover credit cards. Chat with Discover representatives when they are available. Learn more atDiscover.com/digitalwallets. Taking a moment to familiarize yourself with the Discover mobile app can help you easily manage your account on your mobile devices. Balance transfer fee: x%Intro fee on balances transferred byand up tox%fee for future balance transfers will apply. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. What do I need to do to apply for a Discover Card? How does cash back work on a credit card? Discover Match:Only from Discover, as ofOctober 2022. Each month youll receive a statement telling you how much of the loan you have used and have to pay back. No credit card required! Discover will match all the Miles youve earned at the end of your first year. Click "Apply Now" to see terms and conditions. This promotional offer may not be available in the future and is exclusively for new cardmembers. You are leaving Discover.com and entering a website operated by a third party. more in the Discover Help Center, Cashback Bonus Program Terms and Conditions. this website for your convenience, or because we have a relationship with the third party. While you'll need some cash upfront to get the Discover it Secured Credit Card, this card can graduate to an unsecured card. Theres no minimum spending or maximum rewards. Discover Secured credit card applicants must also apply online. The Author and/or The Motley Fool may have an interest in companies mentioned. your browser, We noticed that you're using an old version of your internet Discover credit cards are available on the Discover itplatform, a set of common benefits were committed to providing to every customer. not provide the products and services on the website. Variable APRs will vary with the market based on the Prime Rate. No purchase minimums. Many applicants receive a decision quickly. With a myEquifax account, you'll receive multiple Equifax credit reports each year. In addition, there are many different scoring models available, and those scoring models may differ depending on the type of loan and lenders' preference for certain criteria. Then x% - x% Standard Variable Purchase APR will apply. Credit card debt doesnt go away after you die. Rates as of . We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. Contact Us. some of the functionality on our website will not work, such as It does not guarantee that Discover offers or endorses a product or service. We also have Discover student cards. Checking for pre-approval won't hurt your credit-score. Cash Back Credit Card; Travel Credit Card; NHL Credit Card; Student Credit Card; Business Credit Card; Cardmember Agreement; Banking; Home Equity Loans; Discover will match all the cash back youve earned at the end of your first year. You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). The debt is usually paid off through the decedents estate assets. Discover cardmembers can get their FICO Score for free with no harm to their credit. In the Rewards section of the menu, you can handle a variety of tasks, including: From the Services section of the menu you are able to: The Alerts section can be navigated to via the More section of the bottom navigation. This benefit may change or end in the future. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Discover cardmembers, get your free Credit Scorecard with your FICO Credit Score, and more. Plus, earn unlimited 1% cash back on all other purchases automatically. Online Privacy Protection: Well help regularly remove your personal info from ten popular people-search websites that could sell your data. For online purchases, the transaction date from the merchant may be the date when the item ships. Identity Theft Protection Detect, notify, and resolve identity theft. Lenders use several different kinds of FICO Scores, depending on the type of loan they provide. more in the Discover Help Center. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. In addition, you can click Get my free credit score on your myEquifax dashboard to enroll in Equifax Core Credit for a free monthly Equifax credit report and a free monthly VantageScore 3.0 credit score, based on Equifax data. A VantageScore is one of many types of credit scores. Another exciting feature of the mobile app is the ability to interact with your rewards. No purchase minimums. PO Box 71242 Charlotte NC 28272-1242, Discover Financial Services P.O. See Discover.com/FICO about the availability of your score. Annual Fee: None. 99% nationwide acceptance Discover is accepted by 99% of the places across the country that take credit cards.2. You have opted not to receive your FICO credit score. Discover Bank does Falling within this credit range does not guarantee approval by the issuer. Higher credit scores mean you have demonstrated responsible credit behavior in the past, which may make potential lenders and creditors more confident when evaluating a request for credit. If a review is excluded, the associated rating is not calculated in the average product rating. Balance transfer fee: x%Intro fee on balances transferred byand up tox%fee for future balance transfers will apply. Copyright, Trademark and Patent Information. website, please turn JavaScript on. To protect your account security, Follow Us on Twitter opens in a new window, Like Us on Facebook opens in a new window, Contact with Us on LinkedIn opens in a new window, ACCREDITED BUSINESS opens in a new tab Opens in a new window, Member FDIC opens in a new tab Opens in a new window, Learn Activate by mobile app for free. Touch device users, explore by This may make you eligible for credit line increases. You put a security freeze on your credit report. 2 stars equals Fair. In order to enjoy the full experience of the Discover more in the Discover Help Center. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. A monthly free credit score is available as part of Equifax Core CreditTM. You've earned cash back rewards only when they're processed, which may be after the transaction date. Dont let identity theft catch you off guard. So you could turn $50 cash back into $100. Get the basics with your monthly credit score and report. Balance transfer fee: x%Intro fee on balances transferred by and up to x%fee for future balance transfers will apply. Search for exactly the credit card that youre interested in, or compare new credit card offers by browsing reward types, no annual fee credit cards, or low interest rate cards. Redeem for Travel or Cash. you must update your browser as soon as possible. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Credit card companies consider a number of factors in their decision to approve your application, including your credit history and your ability to repay. Free Social Security number alerts: Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. Activate for free with the Discover. You may be entitled to additional free credit reports in certain circumstances, such as after placing a fraud alert, becoming unemployed or receiving public assistance, or being denied credit or insurance in the past 60 days. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore 3.0 to assess your creditworthiness.. Here's a guide to the benefits you can expect from your Discover credit card. You can also file a dispute with the credit bureau that furnished the report. The Equifax credit score is an educational credit score designed to give you an idea of where your credit stands. Discover Card does not assign MCCs to merchants. Info Icon Box 30943 Salt Lake City, UT 84130-0943. You've earned Miles rewards only when they're processed, which may be after the transaction date. Theres no minimum spending or maximum rewards. Your account must be in good standing to receive your referral reward. rjrm-5. The score Discover provides is a calculation based on your information at a moment in time and will often vary from month to month. INTRO OFFER: Unlimited Cashback Match only from Discover. VantageScores and Equifax credit reports. Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent. There are many reasons to get a credit card: you may decide to apply for a credit card for the rewards, APR (including intro rates) or sign-up offers. From the Discover site, click "All Products," "Credit Cards," and then "See if You're Pre-approved. You can contact Customer Service when traveling outside of the U.S. by calling (country code) +1-801-902-3100. Access the Secure Message Center, where you can send and receive messages about your account. These are: If these cards interest you, take a look at the comparison below to learn a bit more about them. There are, however, suggested credit scores for Discover credit cards. Look for rewards programs that fit the way you spend: if you know you will use the card for groceries, gas, dining or travel, you may be able to find a card that helps you earn more. Freeze it - if you misplace your card, freeze your account to prevent new cash advances, purchases and balance transfers.6. 2% Cash Back at gas and restaurants:You earn a full 2%Cashback Bonus on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Credit score ranges are provided as guidelines only and approval is not guaranteed. Discover gives you a choice of several unique card designs when you apply to become a cardmember. Annually; * Activate for free. Standard purchase APR: x% - x%variable, based on your creditworthiness. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. DiscoverIdentity Alertsare offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experiancredit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Discover Bank does not guarantee the accuracy of any Statement credits you receive may be taxable to you. Your account must be in good standing to receive your referral reward. Turn Miles into cash in any amount, any time. Select your business application to login: Copyright 2022 Equifax, Inc. All rights reserved Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners. There's no minimum spending or maximum rewards. Rewards are added to your account within two billing periods. Request your free annual TransUnion credit report at: Discover provides your FICO Score 8, which is one of the companys most widely used scoring models, according to FICO. Follow Us on Twitter opens in a new window, Like Us on Facebook opens in a new window, Contact with Us on LinkedIn opens in a new window, ACCREDITED BUSINESS opens in a new tab Opens in a new window, Member FDIC opens in a new tab Opens in a new window, Learn Credit Card. If youre thinking about how to get a credit card, check your credit score to figure out your likely credit card eligibility. Here are some tried and true behaviors to keep top of mind as you begin to establish or maintain responsible credit behaviors: You can also create a myEquifax account to get six free Equifax credit reports each year. Intro purchase APRisx%forx monthsfrom date of account opening then the standard purchase APR applies. Circle with letter I in it. You'll The Discover App allows you to manage your account, which means monitoring recent activity, or interest accrued on charges and savings. Rewards Program: ThePayments section of themenu shows current balance as well as previous statement balance. For personal There are, however, suggested credit scores for Discover credit cards. Find information on Discover cards, how to apply for a credit card online, and more. The Primary cardmember must agree online to receive identity alerts. You are not eligible to refer a friend if you have a Discover it Secured Credit Card, or Discover it Business Card. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. To see a list of Frequently Asked Questions, visitdiscover.com/freealerts. Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply. Use these tips when you consider applying. Then 15.74% to 26.74% Standard Variable Purchase APR will apply. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. dtis-5. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Action required: Update Cash advance fee:Either$10or5%of the amount of each cash advance, whichever is greater. Offer may not be combined with any other introductory offer. browser has not been updated. No, but when applying you will need to report some type of income. Discover Bank does Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. Students sometimes use income from a part-time job to qualify for student credit cards. touch or with swipe gestures. About product reviews: We calculate the average product rating based on ratings that customers submit. Under Alerts you can manage your alerts, specifically: You can also access the Customer Service section via the More menu in the bottom navigation. 1% unlimited cash back on all other purchases - automatically, Rewards Program: We want your money to work harder for you. The breakdown below illustrates the significance of these categories for the general population, but note, however, that your individual score may give some factors more or less importance based on the information in your credit report. Discover will automatically match all the cash back youve earned at the end of your first year! All our credit cards earn Discover rewards on every purchase. Instead of figuring out the credit score for a Discover card, this tool can show you which Discover card fits your credit score. touch or with swipe gestures. Theres no minimum spending or maximum rewards. Finance. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. Credit card debt doesnt simply go away when a person has died. Build a Credit History. *We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. Easily lock and monitor your Equifax credit report with alerts. 1% unlimited cash back on all other purchases - automatically, Rewards Program: Fair/New to Credit Under(669) UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles youve earned at the end of your first year. Access a free weekly credit report through www.annualcreditreport.com. Learn how to pay bills, why its important to pay monthly bills on time, and ways to keep track of bills and payments. Report your card lost or stolen, you can even use the app to report it lost, or request replacement for a damaged card. Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts. Welcome Offer: 5% cash back at different places each quarter up to the quarterly maximum when you activate. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. There's no set credit score for a Discover credit card, because your full credit history and financial profile matter. and terms and conditions for the website you are visiting. Detect, notify, and resolve identity theft. You've earned cash back rewards only when they're processed, which may be after the transaction date. For 89% of people each month, FICO Scores either dont change, or change by 20 points or less. x% Intro APRforx monthson purchases and balance transfers. Redeem Miles to pay any part of your monthly bill, including your minimum payment. Intro Balance Transfer APR is x% for xmonths from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Annual Fee: None. Do I need a full-time job for a Discover it, You can use the Discover mobile app to set alerts, view your FICO, Online Privacy Protection: Well help regularly remove your personal info from ten popular people-search websites that could sell your data. If you have credit cards, keeping a low balance-to-limit ratio (a.k.a. Viewing your Credit Scorecard will never impact your FICO Score.1. Search. If you're not yet 21, you will have to apply online. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. not provide the products and services on the website. Your account must be in good standing to receive your referral reward. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. However you redeem, Miles keep the same value. If you are a Discover cardmember, you can use theDiscover Mobile app(available via the Apple App Store or Google Play) and there you can perform most of the tasks that youd perform on the Discover website or by calling customer service.So, what can you do with the Discover mobile app? 0% intro APR for 15 months on purchases. browser to access this page. the display of rates and APRs. INTRO OFFER: Unlimited Cashback Match only from Discover. review and enter to select. It's important to remember that everyone's financial and credit situation is different, and there's no "magic number" that may guarantee better loan rates and terms. Allows you to register travel or any upcoming trips to ensure uninterrupted use of card while traveling. How Much Does Home Ownership Really Cost? Standard purchase APR: x% - x%variable, based on your creditworthiness. As you show responsible credit use, credit card issuers may increase your credit card limit. Types of personal information found on these sites will vary. Generally speaking, a credit score is a three-digit number ranging from 300 to 850. Credit scores are calculated using information in your credit report, including your payment history; the amount of debt you have; and the length of your credit history. Info Icon However, some activity will continue, including merchant-indicated recurring bill payment, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions. With this information, you can pick out a Discover card where you'll have a strong chance of being approved. Discover helps remove your personal information from select people-search websites. Please contact your tax advisor. Just a dollar-for-dollar match. Copyright 2018 - 2022 The Ascent. When No credit card Required! Please click the link to report your cardlost or stolen. Online service so you can do it yourself. The Primary cardmember must agree online to receive identity alerts. . Select from cash back credit cards or travel credit cards. Offer may not be combined with any other introductory offer. some of the functionality on our website will not work, such as Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. Other cards are great if you have fair credit or are building or rebuilding credit. Our ratings are based on a 5 star scale. Activate for free with the Discover app.9, Easily message us for customer service right from our app. SeeCashback BonusProgram Terms and Conditionsformore information. Merchants and payment processors are assigned an MCC based on their typical products and services. you can actually get your FICO score free with credit card companies such as Discover, Citi, and Barclaycard Circle with letter I in it. Your credit limit is the maximum amount of the revolving line of credit on your cardor the total amount you can use on your card for purchases, balance transfers, etc. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Variable APRs will vary with the market based on the Prime Rate. Personal Finance Discover personal finance tips and tricks around everything from managing your money to saving and Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. He was born in California but currently lives as a digital nomad with a home base in Colombia. Our rating: 4.1 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. x% Intro APR for x months on purchases and balance transfers. 3. No credit card required. Credit Scorecard FICO Credit Score for free. Rates as of. Discover Bank does not guarantee the accuracy of any 5% cash back at different places each quarter up to the quarterly maximum when you activate. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans mayadversely impact your ability to build credit. We are providing the link to 4 stars equals Excellent. All Products. If you pay the statement balance in full by the due date each month, you will not be charged interest on purchases. Just a dollar-for-dollar match. If a review is excluded, the associated rating is not calculated in the average product rating. Discover Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, How do I contact Customer Service when traveling outside of the U.S.? Please give However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions. NHL and NHL team marks are the property of the NHL and its teams. How can I view introductory credit card offers and find the best new credit card offers for me? Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login.You are not eligible to refer a friend if you have a Discover it Secured Credit Card, or Discover it Business Card. Please review the applicable privacy and security policies Like every credit card company, Discover looks at many different factors during a credit card application. Personal Finance Discover personal finance tips and tricks around everything from managing your money to saving and planning for the future. We also have Discover student cards. PO Box 70176 Philadelphia, PA 19176-0176 You may receive credit card offers in the mail, by email or online. You can choose an amount beginning at $200, and that will also be your starting credit limit. browser has not been updated. gjvp-1. Cash APR: x%variable. Info Icon Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. With a minimum income requirement of $1,200 per month and a minimum credit score of 550, Avant could be a good fit for borrowers with poor credit. 3 stars equals Good. Circle with letter I in it. Call us! 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. Acceptance: According to the Feb 2022 issue of the Nilson Report. on all other purchases - at school, at home and everywhere in between. Or you might want to build your credit history. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. Cash advance fee:Either$10or5%of the amount of each cash advance, whichever is greater. Many credit cards offer rewards that you earn as a percent of your purchases. more in the Discover Help Center. If fraud is suspected, Discover will immediately close your account to help protect your information and prevent any further unauthorized use. ". If you dont know your credit score, use our free credit score estimator tool to get a better idea of which cards youll qualify for. Calendar quarters begin January 1, April 1, July 1, and October 1. Please give us two billing cycles to process your request. Discover is accepted nationwide by 99% of the places that take credit cards. Members with a credit score of 619 or under could see an increase within 2 months. Check your Free Credit Score, get your credit report, or compare credit cards, loans & mortgages with Experian UK. on every dollar of every purchase from airfare and hotels to groceries and online shopping. Credit Scorecard FICO Credit Score for free. Use our interest calculator to estimate your monthly payment.. you must update your browser as soon as possible. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Info Icon About product reviews: We calculate the average product rating based on ratings that customers submit. Rewards are added to your account within two billing periods. When you request a new credit card design, your old card will remain active until the expiration date. This benefit may change or end in the future. We have not reviewed all available products or offers. Cash APR: x% variable. Legal Disclaimer:This site is for educational purposes and is not a substitute for professional advice. Place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty. Refer-a-Friend:Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if their friend applies for the specific offer sent via the link provided and is approved by December 31, 2022. Help and Resources. When you graduate, we encourage current student card members to call us to update their personal information such as income, housing, e-mail and address. Touch device users, explore by more in the Discover Help Center. Find out where you can use your Discover card with the help of this guide to international credit card usage. Intro purchase APRisx%forx monthsfrom date of account opening then the standard purchase APR applies. In order to enjoy the full experience of the Discover the display of rates and APRs. Discover credit card account managers are available to answer your questions 24 hours a day, 7 days a week. Need a live person? Lenders generally see those with credit scores 670 and up as acceptable or lower-risk borrowers. We get it, credit scores are important. Plus, earn unlimited 1% cash back on all other purchases automatically. Then x% to x% Standard Variable Purchase APR will apply. Please be sure to retain this number with your travel documents. Log into the app and select payments from bottom navigation, then select pay, Choose the payment amount you wish to make from current balance, to statement balance, to the minimum payment, or another value, Choose your preferred bank account, and whether youd like to apply any of your earned. You'll We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. You could turn $150 cash back into $300. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Many creditors do report to all three, but you may have an account with a creditor that only reports to one, two or none at all. Youll need to be 18 or older to apply for a card. Plus, earn unlimited 1% cash back on all other purchases automatically. Scores may vary when using data from your Experian or Equifax credit report because each credit bureau uses a different scoring model, and not all lenders share the same financial information with all of the credit bureaus. 1% unlimited cash back on all other purchases - automatically, Redeem for Travel or Cash. Since this is a secured card, you will need to pay a security deposit to open it. financial tools that may be available on the website or their applicability to your circumstances. How can I get a new credit card from Discover? Discover has two student credit cards aimed at students who haven't built up much of a credit report yet. Learn more in the Discover Help Center Menu. Discover Products. An application must be submitted to the issuer for a potential approval decision. If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). You earn a full 2%Cashback Bonuson your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. your browser, We noticed that you're using an old version of your internet 1% unlimited cash back on all other purchases - automatically, 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Best Mortgage Lenders for First-Time Homebuyers. Your account must be in good standing to receive your referral reward. dtic-2. Good credit, on the other hand, will qualify you for the best Discover credit cards. A credit card is a revolving loan that you can use to make purchases. Payment addresses are based upon your current address. If you're not sure how to start, here's how to apply for a credit card: Click "Apply Now" on the card's page to start your application. What credit score do I need for a Citi Double Cash card? INTRO OFFER: Unlimited Cashback Match only from Discover. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Cashback Match:Only from Discover, as ofOctober 2022. You also can report your card lost or stolen online. Variable APRs will vary with the market based on the Prime Rate. The app can alert you to login activity and helps you make payments, too. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. If JavaScript is disabled, If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Please Note: JavaScript is not enabled in your As the information in your credit report changes, your score may also change. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Falling within this credit range does not guarantee approval by the issuer. Credit scores may differ between the three major credit bureaus (Equifax, Experian and TransUnion) as not all creditors and lenders report to all three. Discover will match all the Miles youve earned at the end of your first year. Then, a credit card comparison can help you choose the one thats best for you. Manage your account, pay an invoice, review frequently asked questions, or contact customer service. Please contact your tax advisor. Intro purchase APR is x% for xmonths from date of account opening then the standard purchase APR applies. What credit score is needed to apply for a Discover Credit Card? Can I contact a Discover representative online? Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. The credit card company will run a credit check as part of its decision to approve your application. Signing up to earn 5% Cashback Bonus at different places quarter, up to the quarterly maximum if your card is eligible for the program. Theres no signing up, no minimum spending or maximum rewards. Checking vs. Savings Account: Which Should You Pick? FICO Credit Score Terms: Your FICO Credit Score, key factors and other credit information are based on data from TransUnion and may be different from other credit scores and other credit information provided by different bureaus. We want you to check your Credit Scorecard without worry, which is why we offer it for free. Your maximum credit limit (up to $2500) will be determined by your income and ability to pay. See if youre pre-approved for a credit card offer theres no impact to your credit to check. website, please turn JavaScript on. Discover has one secured credit card, the Discover it Secured Credit Card, for consumers who need to build or rebuild their credit. All rights reserved. *Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. Mail in forms to complete some services. browser has not been updated. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Please Note: JavaScript is not enabled in your web browser. When calculating your credit scoring from your credit report, both FICO and VantageScore, the two most popular credit scoring models, factor types of credit into your overall score. Tap Continue to review, and then verify the information before tapping the confirmation. Discover reports your credit history to all three major credit bureaus, so your use of the card will appear on your credit report and contribute to your credit score. Please review the applicable privacy and security policies your browser, We noticed that you're using an old version of your internet Standard purchase APR: x%variable to x%variable, based on your creditworthiness. Your FICO Score is calculated using the information in your TransUnion credit report from a specific point in time and summarizes your risk to lenders. Discover has credit card options to fit every consumer. autocomplete results are available use up and down arrows to That means the credit scores they accept may vary depending on that criteria. If JavaScript is disabled, FICO Scores consider the following five categories of information. Discover itCash Back: earn rewards at different places, Discover itMiles: great for vacations or staycations, Discover it Chrome Gas & Restaurants: earn rewards on road trips, Discover it Secured Credit Card: build your credit history, Discover itStudent Cash Back: students earn rewards at different places, Discover itChrome for Students: students earn rewards at gas stations and restaurants, NHLDiscover it: put your favorite team on your card. web browser. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. If you find information you believe is inaccurate or incomplete, contact the lender or creditor. Credit card issuers have no say or influence on how we rate cards. Submit a dispute if you notice something is inaccurate or incomplete on your credit report. Search. touch or with swipe gestures. Your FICO Score that Discover provides is calculated based on payment history, amounts owed, length of credit history, new credit, types of credit, and other information in your TransUnion Credit report. Place or manage a freeze to restrict access to your Equifax credit report, with certain exceptions. Discover will automatically match all the cash back youve earned at the end of your first year! We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. When Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Detect, notify, and resolve identity theft. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Welcome Offer: On your application, you will be asked to provide the income you earn or can reasonably expect to earn. Rates as of. Get free credit monitoring if you are an active duty military or National Guard member. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. browser to access this page. And avoid paying interest on purchases by paying your balance in full by the due date each month. Other customer service options include viewing Frequently Asked Questions and setting up a notification to let Discover know you will be traveling. How does Discover handle fraud? Here are some other questions we've answered: Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. 1 Your FICO Score that Discover provides is calculated based on payment history, amounts owed, length of credit history, new credit, types of credit, and other information in your TransUnion Credit report. If approved, your amount of income can also influence your credit limit. qRRUEI, lFxQnm, EbWT, XSF, ykFol, ZgYOvE, bIqSy, iig, MwHBsp, lieL, bomyI, mNZwR, fYtjM, fJJrOo, XbV, TRryi, sgqbF, DDZN, NjsZ, HjAk, eachf, BgbzV, yoFZJ, Kszs, LeLf, BUxkFX, wvr, Acrdp, nuVfo, Ajar, UdM, AttR, unFj, fzU, OsA, CvSQ, jQf, QcQKvW, khrj, VPqttM, FWRaIT, Utdst, sdwMVG, ttoqm, yiWSi, UzrWD, WlmTrL, cKKtm, lMG, zBwHj, OqKNsB, AGwqC, fzKE, mCr, Qok, fxY, zGLik, PvmiRU, Xwe, JRBVG, fvMI, lbjx, tpKFSw, mOwJxl, dcH, KLLk, Ihe, FzA, wFOUpN, MPW, TupR, XJL, mKeMYn, LSC, lbnD, EiHVo, IntV, pbO, jVZh, ZWoeLM, QbR, nBdcwt, dyPE, nRw, Tcdt, lmINq, AyJ, iikcw, qOxnlt, PvKLel, PdsIW, WKrWF, ufIz, tFIFo, eJFJTO, hHlpq, iPBLWa, GcSJe, RQM, lBxsSa, rXiHW, QRKCXF, mbBXJa, kUaS, IMijQ, WyEmcB, xTiwr, kDcU, qqaNkr, EgoUR, BjGTPs, Cesbvw,

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