Our top picks of timely offers from our partners

More details
Americor Debt Relief
Learn More
Terms Apply
Our top pick for customer satisfaction and, Americor has lower fees than some competitors
Choice Home Warranty
Learn More
Terms Apply
Protects 25+ systems & appliances. Free quote + $50 off + 1 month free
LifeLock
Learn More
Terms Apply
Helps protect your data and online identity. Take advantage of up to 52% off the first year. Get protected today.
UFB Secure Savings
Learn More
Terms Apply
Up to 5.25% APY on one of our top picks for best savings accounts plus, no monthly fee
LendingClub High-Yield Savings
Learn More
Terms Apply
Our top pick for best savings accounts for its strong APY and an ATM card with no ATM fees
Select independently determines what we cover and recommend. We earn a commission from affiliate partners on many offers and links. This commission may impact how and where certain products appear on this site (including, for example, the order in which they appear). Read more about Select on CNBC and on NBC News, and click here to read our full advertiser disclosure.
Credit Cards

What credit score do you need to get a Discover it Card?

Discover issues valuable cards to fit a range of credit scores.

Share

When it comes to finding the right credit card for your lifestyle, you'll want to find one that you're likely to qualify for. Credit card issuers will look at your credit score as well as income and length of credit history when applying for a new card.

This means that those with a credit score above the recommended score can be rejected and those with a lower score can be accepted because of other factors at play.

Below, CNBC Select looks at what credit scores you'll need to qualify for various Discover credit cards. However, whether you're approved depends on other criteria, too.

What we'll cover

What credit score do you need for Discover it cards?

There are many Discover it® cards available — from those that offer travel rewards to ones that are geared toward students. Since there are different types of cards, each card has a different recommended credit score. None of the cards have a minimum credit score required for approval. 

Discover also offers a pre-approval form, so people can see whether they would be approved for a credit card and what APR they would receive before they apply. Being pre-approved for a Discover credit card does not affect your credit score unless you decide to apply.

Before applying, take a look at your FICO® Score and see what range your score falls in, that way you can have a good idea of what your approval odds are for each card. FICO Scores are based on five factors:

  • Payment history (35%)
  • Length of credit history (15%)
  • Amounts owed (30%)
  • Credit mix (10%)
  • New credit (10%)

If you want to improve your credit score, make your payments on time and in full and keep your credit utilization ratio (the ratio of credit used to credit extended) low.

You may also be able to give your credit score a bump by using a service such as *Experian Boost™. It is a free tool that allows you to include on-time utility and subscription payments in the calculation of your credit score. However, it only affects the information on your Experian credit report, so if the card issuer considers other credit reports, this service won't help.

Experian Boost™

On Experian's secure site
  • Cost

    Free

  • Average credit score increase

    13 points, though results vary

  • Credit report affected

    Experian®

  • Credit scoring model used

    FICO® Score

Results will vary. See website for details.

How to sign up for Experian Boost:

  1. Connect the bank account(s) you use to pay your bills
  2. Choose and verify the positive payment data you want added to your Experian credit file
  3. Receive an updated FICO® Score

Learn more about eligible payments and how Experian Boost works.

Credit score needed for the Discover it Cash Back

The Discover it® Cash Back is a no-annual-fee cash-back card with rotating categories. This means cardholders will earn higher reward rates on spending categories that change every quarter. 

Discover it® Cash Back

On Discover's secure site
  • Rewards

    Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

  • Welcome bonus

    Discover will match all the cash back earned for all new cardmembers at the end of your first year.

  • Annual fee

    $0

  • Intro APR

    0% for 15 months on purchases and balance transfers

  • Regular APR

    17.24% to 28.24% Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

    None

  • Credit needed

    Good / Excellent

  • *See rates and fees, terms apply.

 

For the Discover it Cash Back, cardholders will earn 5% cash back on up to $1,500 in quarterly purchases after you activate the rotating bonus categories throughout the year (then 1% ), and 1% cash back on all other eligible purchases. Discover also offers a unique bonus — new cardholders receive a cash bonus equivalent to the amount of rewards they earned on the card in the first year of membership. 

For this card, you generally need a good to excellent credit score to qualify. According to FICO, a 'good' credit score is a score between 670 and 739. FICO credit scores range from 300 to 850, with higher scores indicating greater creditworthiness. 

If you want the best shot of approval for the Discover it Cash back, you'll probably want a score of at least 670 or above.

Credit score needed for Discover it Secured Credit Card

The Discover it® Secured Credit Card is a no-annual-fee secured credit card for people looking to either improve their credit or build their credit history. Therefore, there is no minimum credit score required to qualify for the card. Even those with no credit history may be eligible.

Discover it® Secured Credit Card

On Discover's secure site
  • Rewards

    Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

  • Welcome bonus

    Discover will match all the cash back you've earned at the end of your first year

  • Annual fee

    $0

  • Intro APR

    N/A on purchases

  • Regular APR

    28.24% Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

    None

  • Credit needed

    New / Rebuilding

  • *See rates and fees, terms apply.

Since this is a secured card, you'll have to put down a minimum deposit of $200. With a secured card, the deposit acts as collateral if you're unable to make your credit card payments. The deposit is equal to the credit line that's extended to you. 

Starting at seven months from account opening, Discover will automatically review your credit card account to see if they can transition you to an unsecured line of credit and return your deposit. If you've made your payments on time, the issuer may transfer you to an unsecured card and return your deposit. 

This card isn't known for its rewards or perks, but cardholders will still earn 2% cash back at restaurants and gas stations (up to $1,000 in combined purchases per quarter) and 1% back on all other eligible purchases. Like other Discover cards, the Discover it Secured Credit Card will match the cash back you earn in your first year of card membership.

Credit score needed for Discover it Miles

The Discover it® Miles is a travel rewards credit card that earns 1.5X miles on every dollar spent. The card does not charge foreign transaction fees, but it doesn't have the perks other travel credit cards provide like airport lounge access or statement credits.

Discover it® Miles

On Discover's secure site
  • Rewards

    Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

  • Welcome bonus

    Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

  • Annual fee

    $0

  • Intro APR

    0% Intro APR for 15 months on purchases.

  • Regular APR

    17.24% to 28.24% Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

    None

  • Credit needed

    Good / Excellent

  • *See rates and fees, terms apply.

The welcome bonus is equal to the miles you earn from spending on the card in the first year of membership. With the welcome bonus, you're essentially earning 3X miles on all spending in the first year.

To qualify for the Discover it Miles, 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. However, a greater credit score usually means a greater likelihood of getting approved.

Credit score needed for Discover it Student Cards

There are two Discover it Student cards: the Discover it® Student Chrome and the Discover it® Student Cash Back cards. You don't need a credit score to qualify for either card. These are good options if you're a college student who doesn't have a credit history. However, to get a student card, you'll need to be at least 18 years old and be in college.

The Discover it Student Chrome and Discover it Student Cash Back vary in the rewards categories they provide. With the Discover It Student Chrome card, cardholders receive 2% cash back at gas stations and restaurants on up to $1,000 worth of combined quarterly purchases each quarter and 1% cash back on all other purchases.

If you're willing to put in more work to earn rewards, you can opt for the Discover it Student Cash Back which provides 5% cashback (on up to $1,500 worth of combined purchases, then 1%) on rotating quarterly categories and 1% back on all other purchases (activation required).

The cards have the same welcome bonus. Discover will match the cash back you earn in the first year of card membership.

Discover it® Student Chrome

On Discover's secure site
  • Rewards

    Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

  • Welcome bonus

    Discover will match all the cash back earned for all new cardmembers at the end of your first year.

  • Annual fee

    $0

  • Intro APR

    0% for 6 months on purchases

  • Regular APR

    18.24% - 27.24% Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

    None

  • Credit needed

    Fair / New to Credit

  • *See rates and fees, terms apply.

Discover it® Student Cash Back

On Discover's secure site
  • Rewards

    Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

  • Welcome bonus

    Discover will match all the cash back earned for all new cardmembers at the end of your first year

  • Annual fee

    $0

  • Intro APR

    0% for 6 months on purchases

  • Regular APR

    18.24% - 27.24% Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

    None

  • Credit needed

    Fair / New to Credit

  • *See rates and fees, terms apply.

FAQs

Discover doesn't publish an official minimum credit score requirement for its cards, but certain products are designed for people with bad credit. A secured credit card, such as the Discover it Secured Credit Card, is easier to get and could be an option if your credit score is around 640.

There are so many different types of Visa and Discover cards, that it largely comes down to your preferences. Many of the best travel credit cards are Visa cards, but Discover issues several excellent cash-back cards. So the type of rewards you prefer to earn will factor into your decision.

Increasing your credit score is one of the best ways to boost your approval odds with Discover and other card issuers. Paying down debt and paying your bills on time tend to have the biggest impact on your score. So if you want to build your credit, focus on those activities.

Subscribe to the CNBC Select Newsletter!

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here.

Bottom line

Discover doesn't publish official minimum credit score requirements for its credit cards. However, there are different recommended tiers of credit scores for each card. The best travel and cash-back cards typically require a good to excellent score, while the Discover it Secured Credit Card is designed for those with bad credit or no credit.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit cards. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of credit cardsbanking and money, and follow us on TikTokFacebookInstagram and Twitter to stay up to date.

For rates and fees of the Discover it® Cash Back Card, click here.

For rates and fees of the Discover it® Secured Credit Card, click here.

For rates and fees of the Discover it® Miles Card, click here.

For rates and fees of the Discover It® Student Chrome, click here.

For rates and fees of the Discover It® Student Cash Back, click here.

*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Find the right savings account for you
Learn More
Terms Apply
Help your money grow by finding the savings account that offers the best rates and features for you
Chime
Learn More
Terms Apply
Chime offers online-only accounts that minimize fees plus, get paid up to 2 days early with direct deposits