What is the lowest credit score to get a Discover card?

Asked by: Ms. Vicky Tillman  |  Last update: March 13, 2024
Score: 4.7/5 (52 votes)

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).

Can I get a Discover card with a 600 credit score?

You can get a Discover credit card with any credit score or even no credit history at all. Discover has credit card options to fit every consumer. If you have bad credit or no credit history, you could get a secured card with Discover.

What is the easiest Discover card to get approved for?

See important pricing info. No credit score is required to apply for Discover it® Student Cash Back, Discover it® Student Chrome, and Discover it® Secured Credit Card. Discover will consider information you include on your application and provided by others to determine your eligibility.

Is Discover card difficult to get?

If you want to get a Discover® credit card, you may be wondering how hard it is to get approved. Your credit score plays an important role here. The best Discover credit cards are aimed at consumers with FICO® Scores of 670 or above. If you have good or excellent credit, that helps quite a bit.

What credit score do you need to get Discover it card?

With the welcome bonus, you're essentially earning 3X miles on all spending in the first year. To qualify for the Discover it Miles card, you'll need a good or excellent credit score. Like the Discover it Cash Back, this means you'll want a credit score of 670 or above.

9 Credit Cards GUARANTEE Your Starting Limit Before You Apply

31 related questions found

Which FICO score does Discover use?

The score Discover provides may be different than other scores you see for several reasons: Discover provides your FICO® Score 8, which is one of the company's most widely used scoring models, according to FICO. Lenders use several different kinds of FICO® Scores, depending on the type of loan they provide.

What FICO score does Discover it use?

Discover also provides you access to your FICO credit score through their Credit Scorecard feature if you are approved for their credit card. FICO has over 16 different versions of its score. The one that Discover provides access to is FICO Score 8, which uses information from TransUnion®.

Does Discover approve right away?

You can apply and get approved for a credit card within minutes. However, receiving your card in the mail can take 7-10 business days.

Why would you not get approved for a Discover card?

Common reasons applicants are denied credit cards include low credit scores, no credit history, inadequate ratio of income vs. expenses, and not meeting minimum age requirements.

What is the most difficult credit card to get?

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

What credit score is needed for American Express?

While some issuers offer cards designed for those with less-than-stellar credit scores, American Express does not offer any subprime or secured cards. In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher.

Does Discover have low credit limit?

Discover credit card limits will always be at least $500, and there's no disclosed maximum. How much you get is determined by your creditworthiness. The only exception is if you have Discover it® Secured Credit Card.

Does a Discover card build credit?

Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly.

How much money can you get with a 620 credit score?

You can borrow anywhere from a few thousand dollars to $100,000+ with a 620 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

What credit card will approve me with a 620 credit score?

One of the best credit cards for a 620 score is the Capital One Quicksilver Secured Cash Rewards Credit Card because it offers rewards and a $0 annual fee. This credit card requires a security deposit of at least $200 to open the account.

Can you buy a house with a 600 credit score?

Yes, you can buy a house with a 600 credit score — but it would be less challenging if your score were higher. A 600 score will not be high enough to qualify for a conventional home loan, so look into FHA loans, which have lower requirements: 500 with a 10 percent down payment, and 580 with a 3.5 percent down payment.

How to get a credit card with a $5,000 limit?

In general, your chances of being approved for a $5,000 limit credit card are best if you apply for a secured credit card that allows you to deposit $5,000. The deposit acts as your spending limit, which prevents you from spending more than you can afford to repay.

Is Discover card good or bad?

While all Discover cards are pretty good, there are some downsides. In 2018, Discover cut several key benefits from all of its cards. Those include travel accident insurance, purchase protection, extended warranties and return protection.

How common is Discover card accepted?

Discover is accepted nationwide by 99% of the places that take credit cards.

Which bank gives easy credit card?

Axis Bank Insta Easy Credit Card

With minimal documentation, this card is apt for people trying to enhance their credit score. Key features of Axis bank Insta Easy Credit Card: Get a credit limit up to 80% of your FD. 1% fuel surcharge waived on all fuel transactions.

What is the easiest instant credit card to get?

Best Credit Cards You Can Use Instantly After Approval
  • OpenSky® Secured Visa® Credit Card.
  • Discover it® Secured Credit Card.
  • Capital One Quicksilver Secured Cash Rewards Credit Card.
  • Capital One Quicksilver Cash Rewards Credit Card.
  • Credit One Bank® Platinum Visa® for Rebuilding Credit.

Which bank gives pre approved credit card easily?

Best Credit Cards That Offer Preapproval
  • Chase Sapphire Reserve®: Best premium credit card that offers preapproval.
  • Capital One Venture Rewards Credit Card: Best mid-tier travel credit card that offers preapproval.
  • Discover it® Cash Back: Best cash-back credit card that offers preapproval.

Which FICO score is most popular?

The most widely used model is FICO 8, though the company has also created FICO 9 and FICO 10 Suite, which consists of FICO 10 and FICO 10T. There are also older versions of the score that are still used in specific lending scenarios, such as for mortgages and car loans.

What is an average credit score?

Most consumers have credit scores that fall between 600 and 750. In 2022, the average FICO® Score in the U.S. reached 714. Achieving a good credit score can help you qualify for a credit card or loan with a lower interest rate and better terms.