Many applicants receive a decision quickly. Since this is a secured card, you will need to pay a security deposit to open it. 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. Activate for free with the Discover. Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Just a dollar-for-dollar match. What do I need to do to apply for a Discover Card? Please give Discover has credit card options to fit every consumer. not provide the products and services on the website. Discover Bank does not guarantee the accuracy of any be unable to log in to Discover.com in the future if your . Best Mortgage Lenders for First-Time Homebuyers. x% IntroBalance Transfer Fee until . Good/Excellent (670-850) 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. Can I contact a Discover representative online? touch or with swipe gestures. Personal Finance Discover personal finance tips and tricks around everything from managing your money to saving and planning for the future. Cashback Match:Only from Discover, as ofOctober 2022. And avoid paying interest on purchases by paying your balance in full by the due date each month. ". Find out where you can use your Discover card with the help of this guide to international credit card usage. Listed merchants are in no way sponsoring or affiliated with this program. Credit scores may differ between the three major credit bureaus (Equifax, Experian and TransUnion) as not all creditors and lenders report to all three. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Kotak Mahindra, Bank of India plus all VISA, MasterCard, American Express and Discover credit cards. 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. on every dollar of every purchase from airfare and hotels to groceries and online shopping. To keep track of the activity on your Discover credit card account, go to Recent Activityto see purchases, payments, accrued interest and charges. Detect, notify, and resolve identity theft. Easily redeem Miles as a statement credit for travel purchases or get cash. rjqx-4. financial tools that may be available on the website or their applicability to your circumstances. Mail in forms to complete some services. Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Discover Card does not assign MCCs to merchants. Register your Discover Credit Card, Banking, Home Loan, Student Loan or Personal Loan account for online access. NHL 2021. The score seen here reflects the card's primary category rating. If youre thinking about how to get a credit card, check your credit score to figure out your likely credit card eligibility. Merchants and payment processors are assigned an MCC based on their typical products and services. Lenders generally see those with credit scores 670 and up as acceptable or lower-risk borrowers. 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. However, the rewards and some extra benefits vary from product to product to be sure we can give different customers what they need. Yes, Discover Student Chrome reports card activity to all three major credit bureaus. x% standard variable purchase APR. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore 3.0 to assess your creditworthiness.. Intro Balance Transfer APRisx%forxmonthsfrom date of first transfer, for transfers under this offer that post to your account bythen the standard purchase APR applies. The Ascent does not cover all offers on the market. Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. on everyday purchases at different places each quarter, up to the quarterly maximum when you activate. You may receive credit card offers in the mail, by email or online. Learn about the options you should consider when looking for the best gas credit card. If I'm on Disability, Can I Still Get a Loan? 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. 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. some of the functionality on our website will not work, such as Lenders use several different kinds of FICO Scores, depending on the type of loan they provide. Making all your payments on time is a great start to responsible credit use. Easily redeem Miles as a statement credit for travel purchases or get cash. You can use the old card until the expiration date, or call Discover to deactivate the card. Minimum interest charge: If you are charged interest, the charge will be no less than$.50. Variable APRs will vary with the market based on the Prime Rate. Discover Bank does Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans mayadversely impact your ability to build credit. 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. About 1.6% of the U.S. population had perfect FICO scores as of April 2019, according to a FICO report. Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply. Info Icon Our U.S.-based credit card specialists are here to help. If you have bad credit or no credit history, you could get a secured card with Discover. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans mayadversely impact your ability to build credit. Circle with letter I in it. The tool can be accessed through the Activity section in the bottom nav. Identity Theft Protection Detect, notify, and resolve identity theft. Cash advance fee:Either$10or5%of the amount of each cash advance, whichever is greater. Learn What Types of Homeowners Insurance Policies Are Available? When you apply for a credit card, the bank or credit card company uses a variety of information to decide what credit limit they can offer. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Credit Scorecard FICO Credit Score for free. 5 stars equals Best. Info Icon TheActivity section of themenu allows you to pull up recent activity, search transactions, tag transactions, view statements andbalance transferoffers. 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. For personal Minimum interest charge: If you are charged interest, the charge will be no less than $.50. FICO Scores consider the following five categories of information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. With your Alaska Airlines Visa credit card you earn unlimited miles and travel with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.. With oneworld Alliance member airlines and Alaska's Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and Discover will match all the Miles youve earned at the end of your first year. Credit card companies consider a number of factors in their decision to approve your application, including your credit history and your ability to repay. 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. autocomplete results are available use up and down arrows to 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 What should I know before applying online for a credit card? 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. Customers will see up to a year of recent scores online. Its an age-old question we receive, and to answer it requires that we start with the basics: What is a credit score, anyway? Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Credit scores are used by potential lenders and creditors, such as banks, credit card companies or car dealerships, as one factor when deciding whether to offer you credit, like a loan or credit card. You've earned cash back rewards only when they're processed, which may be after the transaction date. Similarly, hard inquiries, delinquent payments, and past-due accounts may impact your score. Credit Cards. 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. 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 To protect your account security, Minimum interest charge: If you are charged interest, the charge will be no less than $.50. What is the minimum credit score needed to be approved for a credit card? We also have Discover student cards. Fair/New to Credit Under(669) Yes, you can contact Customer Service online with asecure messageor alive chat. Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. This promotional offer may not be available in the future and is exclusively for new cardmembers. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. 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. Touch device users, explore by He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Search. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. Rewards are added to your account within two billing periods. Credit card debt doesnt go away after you die. Free Social Security number alerts: Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. Calendar quarters begin January 1, April 1, July 1, and October 1. touch or with swipe gestures. We'll match all the Miles 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. We also have Discover student cards. Discover card rewards and benefits make Discover credit cards a popular choice for many cardholders. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Copyright, Trademark and Patent Information. the display of rates and APRs. You could turn $150 cash back into $300. NHL and NHL team marks are the property of the NHL and its teams. Annual Fee: None. Choose to view the details in a pie chart, graph or list format. 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. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Finance. browser has not been updated. browser has not been updated. Your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked or charged off. How can I view introductory credit card offers and find the best new credit card offers for me? Check your Free Credit Score, get your credit report, or compare credit cards, loans & mortgages with Experian UK. 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. Free Social Security number alerts: Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. Detect, notify, and resolve identity theft. browser to access this page. So they may consider your credit score, income and more. browser has not been updated. 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. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Under Alerts you can manage your alerts, specifically: You can also access the Customer Service section via the More menu in the bottom navigation. Discover provides your score from data on your TransUnion credit report. We are providing the link to Take control with a one-stop credit monitoring and identity theft protection solution from Equifax. For quality assurance purposes, Discover may monitor and/or record telephone calls between you and Discover account managers, including but not limited to calls Discover makes to collect debts. kxpa-6. Access the Secure Message Center, where you can send and receive messages about your account. Discover Card does not assign MCCs to merchants. Cash APR: x% variable. If you have credit cards, keeping a low balance-to-limit ratio (a.k.a. SSN Alerts: Well monitor thousands of Dark Web sites and alert you if we find your Social Security Number. Learn more atDiscover.com/digitalwallets. 5Activate for free. Info Icon Variable APRs will vary with the market based on the Prime Rate. Our ratings are based on a 5 star scale. Discover will automatically match all the cash back youve earned at the end of your first year! review and enter to select. What is a credit limit for a credit card? Your maximum credit limit (up to $2500) will be determined by your income and ability to pay. If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Activate by mobile app for free. Intro purchase APR is x%for xmonths from date of account opening then the standard purchase APR applies. There are, however, suggested credit scores for Discover credit cards. 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. All our credit cards earn Discover rewards on every purchase. you must update your browser as soon as possible. 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. Find out if you're pre-approved for this student restaurants and gas card with no annual fee. As the information in your credit report changes, your score may also change. You'll likely qualify for any Discover card if you have good or excellent credit. What credit score is needed to apply for a Discover Credit Card? Freeze it - if you misplace your card, freeze your account to prevent new cash advances, purchases and balance transfers.6. you can actually get your FICO score free with credit card companies such as Discover, Citi, and Barclaycard How does Discover handle fraud? You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Minimum Security Deposit:A minimum security deposit of $200 is required to open this account and your security deposit must equal your credit limit. Different credit cards require a different credit rating for approval. $0 Fraud Liability:An unauthorized purchase is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. No purchase minimums. That means the credit scores they accept may vary depending on that criteria. This is one example of when there's no minimum credit score for a Discover card. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Plus, earn unlimited 1% cash backon all other purchases automatically. The Equifax Credit Score ranges from 280-850. Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans. Offer may not be combined with any other introductory offer. Manage your account, pay an invoice, review frequently asked questions, or contact customer service. For specific advice about your unique circumstances, you may wish to consult a qualified professional. 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. Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Variable APRs will vary with the market based on the Prime Rate. Discover has one secured credit card, the Discover it Secured Credit Card, for consumers who need to build or rebuild their credit. Circle with letter I in it. review and enter to select. 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. Credit Scorecard FICO Credit Score for free. Balance transfer fee: x%Intro fee on balances transferred byand up tox%fee for future balance transfers will apply. gjvp-1. theres no impact to your credit to check. Credit cards often provide rewards on purchases, which is usually a percentage of the amount you spent with the card. 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? Annual Fee: None. Credit score ranges are provided as guidelines only and approval is not guaranteed. No credit card required. the display of rates and APRs. Its one factor among many to help them determine how likely you are to pay back money they lend. Welcome Offer: PO Box 71242 Charlotte NC 28272-1242, Discover Financial Services P.O. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. This benefit may change or end in the future. You are not eligible to refer a friend if you have a Discover it Secured Credit Card, or Discover it Business Card. ThePayments section of themenu shows current balance as well as previous statement balance. There's no set credit score for a Discover credit card, because your full credit history and financial profile matter. Use our interest calculator to estimate your monthly payment.. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. Theres no minimum spending or maximum rewards. The debt is usually paid off through the decedents estate assets. No credit card required! For online purchases, the transaction date from the merchant may be the date when the item ships. Balance transfer fee: x%Intro fee on balances transferred byand up tox%fee for future balance transfers will apply. You'll Info Icon This is a great way to help improve your budgeting skills. Discover will automatically match all the cash back youve earned at the end of your first year! x% Intro APR for x months on purchases. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates. The FICO Score Discover provides is based on the information in your TransUnion credit report at a specific point in your credit history. By using your card responsibly, youll be able to build credit. INTRO OFFER: Unlimited Cashback Match only from Discover. See Discover.com/FICO about the availability of your score. Learn how and why you may receive pre-approved credit card offers, what to look for, and how you can opt-out of pre-approved credit card offers. Discover Products. You can also file a dispute with the credit bureau that furnished the report. x% Intro Balance Transfer Fee until. Cash Back Credit Card; Travel Credit Card; NHL Credit Card; Student Credit Card; Business Credit Card; Cardmember Agreement; Banking; Home Equity Loans; You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). From the apps home page, you can check your current balance, last statement balance and any rewards youve earned. PO Box 6103 Carol Stream, IL 60197-6103 Explore our Secured credit card to help build your credit Payment addresses are based upon your current address. Discover cardmembers, get your free Credit Scorecard with your FICO Credit Score, and more. 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. Just a Mile-for-Mile match. A monthly free credit score is available as part of Equifax Core CreditTM. Circle with letter I in it. If JavaScript is disabled, Contact Us. Instead of figuring out the credit score for a Discover card, this tool can show you which Discover card fits your credit score. When you request a new credit card design, your old card will remain active until the expiration date. Discover Match:Only from Discover, as ofOctober 2022. Select from cash back credit cards or travel credit cards. Here's a guide to the benefits you can expect from your Discover credit card. Your income is one of many factors that Discover considers when considering your application for a Discover it Student Chrome Credit Card. more in the Discover Help Center. The Author and/or The Motley Fool may have an interest in companies mentioned. Lenders will use your credit score to determine your credit risk and you can use your score to help prepare for the future, stay on top of your credit or avoid surprisesso its a good idea to review your score regularly. Then x% to x% Standard Variable Purchase APR will apply. SeeCashback Bonus Program Terms and Conditionsformore information. Youll need to be 18 or older to apply for a card. Discover Bank does not guarantee the accuracy of any 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. review and enter to select. You can contact Customer Service when traveling outside of the U.S. by calling (country code) +1-801-902-3100. A credit card is a revolving loan that you can use to make purchases. If a review is excluded, the associated rating is not calculated in the average product rating. You must meet other applicable underwriting criteria. All rights reserved. There are, however, suggested credit scores for Discover credit cards. This promotional offer may not be available in the future and is exclusively for new cardmembers. Annual Fee: None. Be sure to note your as of date when you view your score. In this case, it makes sense to go for one of the most valuable Discover credit cards. 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. some of the functionality on our website will not work, such as How can I improve my chances for approvals and higher credit limits when I apply for a credit card? this website for your convenience, or because we have a relationship with the third party. If you find information you believe is inaccurate or incomplete, contact the lender or creditor. x% Intro APR for x months on purchases and balance transfers. We want your money to work harder for you. About product reviews: We calculate the average product rating based on ratings that customers submit. Some cards are only for people with excellent credit or good credit. So you could turn $50 cash back into $100. x% Intro Balance Transfer Fee until . Cash APR: x%variable. some of the functionality on our website will not work, such as Other customer service options include viewing Frequently Asked Questions and setting up a notification to let Discover know you will be traveling. It only requires a soft credit check, which has no effect on your credit score. Making a payment to your Discover card account with the Discover Mobile App takes just four steps: Note: you can also make a payment from the homepage, by clicking pay, near the Statement Summary. If JavaScript is disabled, PO Box 45909 San Francisco CA 94145-0909 We think that everyone should be informed about their credit so that they can avoid surprises. 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. To learn more, visit Discover.com/FICO. Click "Apply Now" to see terms and conditions. and terms and conditions for the website you are visiting. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. 1 star equals Poor. 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. Seeing how your Cashback Bonus is earned and the progress towards activated rewards, Manage your cards & devices, request a new card design, and add an authorized user, You also have the ability to request a card with a new image and see if your card is linked to Amazon. Rates as of . Calendar quarters begin January 1, April 1, July 1, and October 1. Plus, earn unlimited 1% cash back on all other purchases - automatically. How do I contact Customer Service when traveling outside of the U.S.? UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles youve earned at the end of your first year. At Equifax, you can create a myEquifax account to file a dispute. . Standard purchase APR: x% - x%variable, based on your creditworthiness. We have not reviewed all available products or offers. Standard purchase APR: x%variable to x%variable, based on your creditworthiness. 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. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. The Discover App allows you to manage your account, which means monitoring recent activity, or interest accrued on charges and savings. autocomplete results are available use up and down arrows to website, please turn JavaScript on. Rates as of . Earn 2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.. not provide the products and services on the website. Discover will match all the cash back youve earned at the end of your first year. Get a 0% intro APR for 15 months on purchases. Discover credit cards are available on the Discover itplatform, a set of common benefits were committed to providing to every customer. dtic-2. Each credit score has a different scale: For example, CRIF has a range of 300-900 while Experian has a range of 300-850. See rewards terms and conditions. Members with a credit score of 619 or under could see an increase within 2 months. Redeem Miles to pay any part of your monthly bill, including your minimum payment. 99% nationwide acceptance Discover is accepted by 99% of the places across the country that take credit cards.2. 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. 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. dcsc-6. 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. Discover credit cards are built to give you great rewards and the service you deserve, from our flagship cash back credit cards to our flexible travel credit card. dsit-4. be unable to log in to Discover.com in the future if your What credit score do I need for a Discover credit card? Apply for Discover it Miles travel credit card with unlimited rewards on purchases and no annual fee. x% Intro APR for x months on purchases and balance transfers. 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. Touch device users, explore by Checking your FICO Credit Score for free will alert you to issues you need to correct to help your credit. No annual fee and build your credit with responsible use. And look for a sign-up bonus that doesnt have a minimum spending amount required to get your extra rewards. the display of rates and APRs. Youve had no account activity for 180 days, in which case the score will also be unavailable online or on our mobile app. Help look after your family with credit monitoring and ID theft protection features. Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts. 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. 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. The Primary cardmember must agree online to receive identity alerts. Welcome Offer: If you believe there is an error, you can: Good financial habits (like consistently paying bills on time, keeping balances low, and only opening new credit cards when necessary) can all have a positive effect on your FICO Score. No, but when applying you will need to report some type of income. 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. Annual Fee: None. browser to access this page. But the Discover Secured credit card is built for people looking to build or rebuild their credit with responsible use.4 No matter what, cardmembers earn Discover Card rewards on every purchase. 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. Plus, earn unlimited 1% cash back on all other purchases automatically. Statement credits you receive may be taxable to you. Using your smartphone or tablet to manage credit card payments or account activity may help you save time, money and hassles. The credit scores provided are based on the VantageScore 3.0 model. Select from cash back credit cards or travel credit cards. 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. advice regarding your financial situation, please consult with a financial advisor. Amazonis not a sponsor of this promotion. Discover will match all the cash back youve earned at the end of your first year. Cashback Match:Only from Discover, as ofOctober 2022. All our credit cards earn Discover rewards on every purchase. Subscription price is $29.95 per month (plus tax where applicable). Discover provides a FICO Score because 90% of top lenders use FICO Scores. There's no minimum spending or maximum rewards. Filter results further by searching for transaction types and tag them for proper categorization. Just a Miles-for-Miles match. Its a good idea to check your credit score or get a copy of your credit report before applying for a new card. at gas stations and restaurants on up to $1,000 in combined purchases each quarter.2, Your credit line will equal your deposit amount, starting at $200.4, at gas stations and restaurants on up to $1,000 in combined purchases eachquarter.2. more in the Discover Help Center. Yes, you can continue using your Discover Student Chrome Card after you graduate. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. You earn a full 2%Cashback Bonuson your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. 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. You can choose an amount beginning at $200, and that will also be your starting credit limit. Compare credit cards to find which offer is right for you. What credit score do I need for a Chase credit card? We want you to check your Credit Scorecard without worry, which is why we offer it for free. You put a security freeze on your credit report. Report your card lost or stolen, you can even use the app to report it lost, or request replacement for a damaged card. Cash advance fee:Either$10or5%of the amount of each cash advance, whichever is greater. 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. If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). 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. It does not guarantee that Discover offers or endorses a product or service. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. There are many different scoring models, and some use other data in calculating credit scores. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. For personal This promotional offer may not be available in the future and is exclusively for new cardmembers. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty. 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. Many or all of the products here are from our partners that pay us a commission. Discover helps remove your personal information from select people-search websites. While checking if yourepre-approvedwont hurt your credit, each full application for a credit card may impact your credit score. What credit score do I need for a Citi Double Cash card? Or you might want to build your credit history. web browser. See if youre pre-approved for a credit card offer theres no impact to your credit to check. Secure Account Log In. Discover and other lenders may use different inputs, such as FICO Credit Scores, other credit scores and more information in credit decisions. gjx4-3. Its always good to check if youre pre-approved to see your likely offers before you apply for a card. 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