x% Intro APRforx monthson purchases and balance transfers. 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. Discover provides you a FICO Score for free without affecting your credit. Just a dollar-for-dollar match. Welcome Offer: All Products. Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply. The credit card company will run a credit check as part of its decision to approve your application. 4 stars equals Excellent. About product reviews: We calculate the average product rating based on ratings that customers submit. Discover will match all the cash back youve earned at the end of your first year. Do you spend a lot of time driving? Like every credit card company, Discover looks at many different factors during a credit card application. Many credit cards offer rewards that you earn as a percent of your purchases. 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. Your account must be in good standing to receive your referral reward. For 89% of people each month, FICO Scores either dont change, or change by 20 points or less. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. This information is intended for and only provided to Primary account holders who have an available score. Discover and other lenders may use different inputs, such as FICO Credit Scores, other credit scores and more information in credit decisions. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. Touch device users, explore by Credit Scorecard FICO Credit Score for free. Circle with letter I in it. 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. Its an age-old question we receive, and to answer it requires that we start with the basics: What is a credit score, anyway? 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. When you apply for a credit card, the credit card issuer will pull your credit report which could result in a hard inquiry as one of the factors they use to decide whether to approve your application. If youre thinking about how to get a credit card, check your credit score to figure out your likely credit card eligibility. Cashback Match:Only from Discover, as ofOctober 2022. All rights reserved. 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. No credit card required. How often are Discover Customer Service representatives available? Credit card companies consider a number of factors in their decision to approve your application, including your credit history and your ability to repay. Customers will see up to a year of recent scores online. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates. 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 Circle with letter I in it. Or turn $100 into $200. Changing your credit card design will not change the terms of your account, including your account number, your interest rate and your rewards program. 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. more in the Discover Help Center. See tailored job recommendations based on your interests. kxpa-6. Allows you to register travel or any upcoming trips to ensure uninterrupted use of card while traveling. A monthly free credit score & Equifax credit report are available with Equifax Core CreditTM. 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. 2 stars equals Fair. web browser. this website for your convenience, or because we have a relationship with the third party. NHL and the NHL Shield are registered trademarks of the National Hockey League. Find low rate credit card balance transfer offers with Discover, save money and pay down your transferred balances faster. Check to see if yourepre-approved. Discover card help center. When So they may consider your credit score, income and more. The Discover App allows you to manage your account, which means monitoring recent activity, or interest accrued on charges and savings. Message a U.S. -based agent to get your questions answered. Theres no minimum spending or maximum rewards. Another exciting feature of the mobile app is the ability to interact with your rewards. Intro purchase APR is x% for xmonths from date of account opening then the standard purchase APR applies. We frequently work with local, state and federal authorities to help bring these criminals to justice. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. 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. 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. Plus, earn unlimited 1% cash back on all other purchases automatically. 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. There are, however, suggested credit scores for Discover credit cards. 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. Monitoring your credit report does not impact your credit score. dtic-2. 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. *Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. INTRO OFFER: Unlimited Cashback Match only from Discover. Discover Products. Discover helps remove your personal information from select people-search websites. Other cards are great if you have fair credit or are building or rebuilding credit. When Get the basics with your monthly credit score and report. x% Intro Balance Transfer Fee until . Intro purchase APRisx%forx monthsfrom date of account opening then the standard purchase APR applies. All Rights Reserved. Info Icon Please Note: JavaScript is not enabled in your This tool sorts your Discover card purchases into several categories, such as restaurants, groceries and services so you can track and learn about your spending habits. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. In this section you can: To help manage your spending, take the opportunity to review your spending withDiscover Spend Analyzer. Credit scores may differ between the three major credit bureaus (Equifax, Experian and TransUnion) as not all creditors and lenders report to all three. Info Icon 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. You could turn $150 cash back into $300. Online Privacy Protection:Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. Each month youll receive a statement telling you how much of the loan you have used and have to pay back. For personal Falling within this credit range does not guarantee approval by the issuer. Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. https://www.transunion.com/credit-disputes/dispute-your-credit. Yes, you can contact Customer Service online with asecure messageor alive chat. 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. If you're not yet 21, you will have to apply online. UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles youve earned at the end of your first year. 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. Discover card rewards and benefits make Discover credit cards a popular choice for many cardholders. The credit scores provided are based on the VantageScore 3.0 model. FICO Scores consider the following five categories of information. Action required: Update There are many different scoring models, and some use other data in calculating credit scores. Discover has a large roster of popular credit cards. If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). This number also appears on the back ofyour Discover Card. Monitoring your credit report does not impact your credit score. Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Info Icon How does cash back work on a credit card? Filter results further by searching for transaction types and tag them for proper categorization. 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. If you're thinking of applying for one, then you probably want to know the required credit score for a Discover credit card. Only Discover will automatically match all the Miles you've earned at the end of your firstyear.1 There's no signing up, no minimum spending or maximum rewards. Discover credit cards include rewards like cash back or miles so you can pick the best rewards credit card for you. Register your Discover Credit Card, Banking, Home Loan, Student Loan or Personal Loan account for online access. 0% intro APR for 15 months on purchases. The right credit score for a Discover credit card will all depend on which Discover card you choose. Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. Our U.S.-based credit card specialists are here to help. Discover Card does not assign MCCs to merchants. This benefit may change or end in the future. 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). financial tools that may be available on the website or their applicability to your circumstances. x% standard variable purchase APR. You earn a full 2%Cashback Bonuson your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Plus, earn unlimited 1% cash back on all other purchases automatically. Detect, notify, and resolve identity theft. Instead of figuring out the credit score for a Discover card, this tool can show you which Discover card fits your credit score. Cash APR: x%variable. 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. Annual 3-bureau credit scores. Discover will match all the Miles youve earned at the end of your first year. Discover will automatically match all the cash back youve earned at the end of your first year! Theres no minimum spending or maximum rewards. rjqx-4. and terms and conditions for the website you are visiting. 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. Cashback Match:Only from Discover, as ofOctober 2022. He was born in California but currently lives as a digital nomad with a home base in Colombia. 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. Variable APRs will vary with the market based on the Prime Rate. more in the Discover Help Center. Discover provides your score from data on your TransUnion credit report. Using your smartphone or tablet to manage credit card payments or account activity may help you save time, money and hassles. Freeze It: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. Plus, earn unlimited 1% cash back on all other purchases automatically. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. It only requires a soft credit check, which has no effect on your credit score. Explore our Secured credit card to help build your credit Merchants and payment processors are assigned an MCC based on their typical products and services. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. 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. Can I contact a Discover representative online? Otherwise your APR will apply to your unpaid credit card balance and youll have interest charges in your next statement. Copyright, Trademark and Patent Information. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. 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. No credit card Required! Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Easily lock and monitor your Equifax credit report with alerts. Detect, notify, and resolve identity theft. Falling within this credit range does not guarantee approval by the issuer. SeeCashback Bonus Program Terms and Conditionsformore information. While you'll need some cash upfront to get the Discover it Secured Credit Card, this card can graduate to an unsecured card. You've earned Miles rewards only when they're processed, which may be after the transaction date. 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. Cash APR: x%variable. theres no impact to your credit to check. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Your account must be in good standing to receive your referral reward. 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. NHL 2021. Secure Account Log In. Joint account holders and authorized buyers do not receive FICO Scores from Discover. Different lenders have different criteria when it comes to granting credit, which may include information such as your income or other factors. Be sure to note your as of date when you view your score. Just a dollar-for-dollar match. Please review the address listed on your periodic statement to ensure your payment is received at the correct location. Get a 0% intro APR for 15 months on purchases. Please be sure to retain this number with your travel documents. browser has not been updated. . Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Dont let identity theft catch you off guard. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. There's no set credit score for a Discover credit card, because your full credit history and financial profile matter. browser to access this page. Compare credit cards to find which offer is right for you. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 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. Then 15.74% to 26.74% Standard Variable Purchase APR will apply. Chat with Discover representatives when they are available. Our ratings are based on a 5 star scale. Cash advance fee:Either$10or5%of the amount of each cash advance, whichever is greater. 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. In this case, it makes sense to go for one of the most valuable Discover credit cards. 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. Please give us two billing cycles to process your request. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. If you have bad credit or no credit history, you could get a secured card with Discover. your browser, We noticed that you're using an old version of your internet Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Discover Secured credit card applicants must also apply online. It does not guarantee that Discover offers or endorses a product or service. The app can alert you to login activity and helps you make payments, too. Credit score ranges are provided as guidelines only and approval is not guaranteed. *We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. The Primary cardmember must agree online to receive identity alerts. 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. Discover gives you a choice of several unique card designs when you apply to become a cardmember. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Learn how to apply for a credit card online, increase your chances of approval and protect your personal information while applying for credit cards online. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. autocomplete results are available use up and down arrows to INTRO OFFER: Unlimited Cashback Match only from Discover. Circle with letter I in it. We also have Discover student cards. See Discover.com/FICO about the availability of your score. Apply for Discover it Miles travel credit card with unlimited rewards on purchases and no annual fee. If I'm on Disability, Can I Still Get a Loan? When you request a new credit card design, your old card will remain active until the expiration date. An application must be submitted to the issuer for a potential approval decision. Learn Annual Fee: None. dcmi-3. Minimum Security Deposit:A minimum security deposit of $200 is required to open this account and your security deposit must equal your credit limit. You have opted not to receive your FICO credit score. Find information on Discover cards, how to apply for a credit card online, and more. Checking for pre-approval won't hurt your credit-score. Annual Fee: None. Many or all of the products here are from our partners that pay us a commission. gjvr-2. If a review is excluded, the associated rating is not calculated in the average product rating. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. No, but when applying you will need to report some type of income. Discover cardmembers, get your free Credit Scorecard with your FICO Credit Score, and more. Place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty. Once you've found one that works with your credit score or picked one using Discover's pre-approval tool, you can apply for it. 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. Discover will match all the cash back youve earned at the end of your first year. We will apply payments at our discretion, including in a manner most favorable or convenient for us. autocomplete results are available use up and down arrows to Viewing your Credit Scorecard will never impact your FICO Score.1. 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. 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. Box 30943 Salt Lake City, UT 84130-0943. Our Sales Specialists will provide strategic guidance and match you to the best products and solutions. We also have Discover student cards. Taking a moment to familiarize yourself with the Discover mobile app can help you easily manage your account on your mobile devices. You'll If you have a credit score, we may use that in our evaluation. Just to see the cards they carry? Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans. From a Simple Idea to 6,000 Retailers Discover how Pork Barrel BBQ used business credit to help transform their vision into a successful company Read More etaGLOBAL Builds Credibility Explore how this small company used business credit to bolster its reputation and strengthen business relationships Read More Learn about the options you should consider when looking for the best gas credit card. 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. touch or with swipe gestures. Place or manage a freeze to restrict access to your Equifax credit report, with certain exceptions. 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 you graduate, we encourage current student card members to call us to update their personal information such as income, housing, e-mail and address. Annual Fee: None. 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. Your account must be in good standing to receive your referral reward. However you redeem, Miles keep the same value. INTRO OFFER: Unlimited Cashback Match only from Discover. Kotak Mahindra, Bank of India plus all VISA, MasterCard, American Express and Discover credit cards. 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. 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. Payment addresses are based upon your current address. on every dollar of every purchase from airfare and hotels to groceries and online shopping. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. VantageScores and Equifax credit reports. 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. 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. If JavaScript is disabled, 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. Activate by mobile app for free. some of the functionality on our website will not work, such as You can contact Customer Service when traveling outside of the U.S. by calling (country code) +1-801-902-3100. You can get a Discover credit card with any credit score or even no credit history at all. For online purchases, the transaction date from the merchant may be the date when the item ships. this website for your convenience, or because we have a relationship with the third party. Lenders use several different kinds of FICO Scores, depending on the type of loan they provide. Discover and other lenders may use different inputs, such as FICO Credit Scores, other credit scores and more information in credit decisions. You must meet other applicable underwriting criteria. If JavaScript is disabled, the display of rates and APRs. On your application, you will be asked to provide the income you earn or can reasonably expect to earn. Detect, notify, and resolve identity theft. Listed merchants are in no way sponsoring or affiliated with this program. What credit score do I need for a Chase credit card? review and enter to select. Acceptance: According to the Feb 2022 issue of the Nilson Report. If you find information you believe is inaccurate or incomplete, contact the lender or creditor. Members with a credit score of 619 or under could see an increase within 2 months. This promotional offer may not be available in the future and is exclusively for new cardmembers. 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. PO Box 45909 San Francisco CA 94145-0909 Falling within this credit range does not guarantee approval by the issuer. Learn more atDiscover.com/digitalwallets. Cash advance fee:Either$10or5%of the amount of each cash advance, whichever is greater. x% Intro Balance Transfer Fee until. A monthly free credit score is available as part of Equifax Core CreditTM. This promotional offer may not be available in the future and is exclusively for new cardmembers. Here's a guide to the benefits you can expect from your Discover credit card. There's no set credit score for a Discover credit card, because your full credit history and financial profile matter. Plus, earn unlimited 1% cash back on all other purchases automatically. 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. Circle with letter I in it. To protect your account security, Theres no minimum spending or maximum rewards. 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. Making all your payments on time is a great start to responsible credit use. dtis-5. If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. 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. 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. . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. You've earned cash back rewards only when they're processed, which may be after the transaction date. We are providing the link to Then x% to x% Standard Variable Purchase APR will apply. What are the different types of Discover Cards? The debt is usually paid off through the decedents estate assets. Card Help Center; Card Smarts; Banking Help Center Credit Scorecard FICO Credit Score for free. 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 This benefit may change or end in the future. 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. We get it, credit scores are important. 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. your browser, We noticed that you're using an old version of your internet Use our interest calculator to estimate your monthly payment.. be unable to log in to Discover.com in the future if your Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Select from cash back credit cards or travel credit cards. Variable APRs will vary with the market based on the Prime Rate. Credit Card. Balance transfer fee: x%Intro fee on balances transferred by and up to x%fee for future balance transfers will apply. Help look after your family with credit monitoring and ID theft protection features. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. Report your card lost or stolen, you can even use the app to report it lost, or request replacement for a damaged card. Cash APR: x%variable. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. When financial tools that may be available on the website or their applicability to your circumstances. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. PO Box 70176 Philadelphia, PA 19176-0176 Discover Financial Services and Fair Isaac do not provide credit repair services or assistance regarding rebuilding or improving your credit record, credit history or credit rating. For personal x% IntroBalance Transfer Fee until . 90% of top lenders use FICO Credit Scores, including Discover. Circle with letter I in it. 1% unlimited cash back on all other purchases - automatically, Rewards Program: Welcome Offer: Tap Continue to review, and then verify the information before tapping the confirmation. Or $100 into $200. Or you might want to build your credit history. For example, if you earn 35,000 Miles, you get 70,000 Miles. To see a list of Frequently Asked Questions, visitdiscover.com/freealerts. Customers will see up to a year of recent scores online. Discover Bank does not guarantee the accuracy of any 1% unlimited cash back on all other purchases - automatically, Rewards Program: And look for a sign-up bonus that doesnt have a minimum spending amount required to get your extra rewards. 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 Credit Cards. website, please turn JavaScript on. Learn more atDiscover.com/digitalwallets. Calendar quarters begin January 1, April 1, July 1, and October 1. One of the simplest helpful credit habits is to make at leastthe minimum payment for all of your bills on time every month. 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. PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. From the Discover site, click "All Products," "Credit Cards," and then "See if You're Pre-approved. Statement credits you receive may be taxable to you. 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. 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. Discover has one secured credit card, the Discover it Secured Credit Card, for consumers who need to build or rebuild their credit. The Equifax Credit Score ranges from 280-850. If JavaScript is disabled, 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. SSN Alerts: Well monitor thousands of Dark Web sites and alert you if we find your Social Security Number. Good/Excellent (670-850) 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. Get better prepared to monitor your credit and help better protect your identity with Equifax Complete. Lenders generally see those with credit scores 670 and up as acceptable or lower-risk borrowers. Discover provides a FICO Score because 90% of top lenders use FICO Scores. Discover will automatically match all the cash back youve earned at the end of your first year! Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts. We have not reviewed all available products or offers. 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. Access a free weekly credit report through www.annualcreditreport.com. 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. x% Intro APR for x months on purchases and balance transfers. web browser. What credit score do I need for a Discover credit card? Search. How does Discover handle fraud? See if Discover it Miles travel credit card is best suited for you. 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. To clarify, a good credit score is a FICO Score of 670 or above. dsit-4. TheActivity section of themenu allows you to pull up recent activity, search transactions, tag transactions, view statements andbalance transferoffers. 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. advice regarding your financial situation, please consult with a financial advisor. One simple way to figure out which Discover cards match your financial profile is by using the card issuer's pre-approval tool. Identity Theft Protection Detect, notify, and resolve identity theft. We want your money to work harder for you. 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. Standard purchase APR: x% - x%variable, based on your creditworthiness. Intro purchase APR is x%for xmonths from date of account opening then the standard purchase APR applies. Youre eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. Balance transfer fee: x%Intro fee on balances transferred byand up tox%fee for future balance transfers will apply. Credit card fraud is a serious crime that is punishable by law. How can I get a new credit card from Discover? 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. Identity Theft Protection Detect, notify, and resolve identity theft. more in the Discover Help Center. For specific advice about your unique circumstances, you may wish to consult a qualified professional. Only from Discover. not provide the products and services on the website. 99% nationwide acceptance Discover is accepted by 99% of the places across the country that take credit cards.2. Rewards are added to your account within two billing periods. Credit Scorecard FICO Credit Score for free. dcit-1. 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. Best Mortgage Lenders for First-Time Homebuyers. That means Discover upgrades your card and refunds your deposit. PO Box 6103 Carol Stream, IL 60197-6103 Since this is a secured card, you will need to pay a security deposit to open it. Use these tips when you consider applying. Discover's student cards are: Here is some more information about these two student credit cards. Cash APR: x% variable. Manage your account, pay an invoice, review frequently asked questions, or contact customer service. gjvv-7. Free Social Security number alerts: Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. 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. Discovers Spend Analyzer can provide you with specific data on how you spend your money and areas where you can save. What do I need to do to apply for a Discover Card? Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. Its always good to check if youre pre-approved to see your likely offers before you apply for a card. The Ascent does not cover all offers on the market. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. review and enter to select. PO Box 71242 Charlotte NC 28272-1242, Discover Financial Services P.O. ". 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. Credit scores are calculated using information in your credit reports, Credit scores generally range from 300 to 850, Different lenders have different criteria when it comes to granting credit. You are not eligible to refer a friend if you have a Discover it Secured Credit Card, or Discover it Business Card. web browser. Help and Resources. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Your account must be in good standing to receive your referral reward. If fraud is suspected, Discover will immediately close your account to help protect your information and prevent any further unauthorized use. About product reviews: We calculate the average product rating based on ratings that customers submit. Rates as of . Learn Signing up to earn 5% Cashback Bonus at different places quarter, up to the quarterly maximum if your card is eligible for the program. Its a good idea to check your credit score or get a copy of your credit report before applying for a new card. review and enter to select. browser to access this page. 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. the display of rates and APRs. For online purchases, the transaction date from the merchant may be the date when the item ships. To see a list of Frequently Asked Questions, visit discover.com/freealerts. touch or with swipe gestures. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. There's no minimum spending or maximum rewards. Credit card debt doesnt go away after you die. Variable APRs will vary with the market based on the Prime Rate. Also, be sure to pay at least your minimum amount due each month. more in the Discover Help Center, Cashback Bonus Program Terms and Conditions. 3 stars equals Good. Some cards are only for people with excellent credit or good credit. Please Note: JavaScript is not enabled in your Please contact your tax advisor. There are, however, suggested credit scores for Discover credit cards. Subscription price is $29.95 per month (plus tax where applicable). The tool can be accessed through the Activity section in the bottom nav. 1 star equals Poor. Activate for free with the Discover. 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. Here's how to check if you're pre-approved for a Discover credit card: Discover pre-approval doesn't mean you're guaranteed to be approved, but it does mean there's a high probability that you could get those cards. You are leaving Discover.com and entering a website operated by a third party. Redeem for Travel or Cash. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. 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. Check your Free Credit Score, get your credit report, or compare credit cards, loans & mortgages with Experian UK. Learn more atDiscover.com/fraudFAQ. To keep track of the activity on your Discover credit card account, go to Recent Activityto see purchases, payments, accrued interest and charges. Offer may not be combined with any other introductory offer. 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. See rewards terms and conditions. What Types of Homeowners Insurance Policies Are Available? In order to enjoy the full experience of the Discover If approved, your amount of income can also influence your credit limit. All our credit cards earn Discover rewards on every purchase. browser has not been updated. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Theres no signing up, no minimum spending or maximum rewards. 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. Standard purchase APR: x% - x%variable, based on your creditworthiness. on all other purchases - at school, at home and everywhere in between. Different credit cards require a different credit rating for approval. {rating} average out of {total} ratings on the App Store as of {date}. If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). browser to access this page. You also can report your card lost or stolen online. Select from cash back credit cards or travel credit cards. Understanding Homeowners Insurance Premiums, Guide to Homeowners Insurance Deductibles, Best Pet Insurance for Pre-existing Conditions, What to Look for in a Pet Insurance Company, Marcus by Goldman Sachs Personal Loans Review, The Best Way to Get a Loan With Zero Credit. You are not eligible to refer a friend if you have a Discover it Secured Credit Card, or Discover it Business Card. Types of personal information found on these sites will vary. Easily redeem Miles as a statement credit for travel purchases or get cash. What is a credit limit for a credit card? Discover Bank does That means the credit scores they accept may vary depending on that criteria. website, please turn JavaScript on. Fair/New to Credit Under(669) Redeem Miles to pay any part of your monthly bill, including your minimum payment. You can use the Discover mobile app to set alerts, view your FICOScore for free4 and more, all from your smartphone, tablet or wearable. It is calculated using information in your Equifax credit report. With Discover, you can redeem rewards for cash in any amount, any time*, apply it as a credit toward your bill, deposit to your bank and more. Only from Discover. Rates as of. more in the Discover Help Center, Why Its Important to Pay Your Monthly Bills on Time >, Provide all required application information. Find out where you can use your Discover card with the help of this guide to international credit card usage. dcsc-6. Just a Miles-for-Miles match. How can I view introductory credit card offers and find the best new credit card offers for me? If you have credit cards, keeping a low balance-to-limit ratio (a.k.a. Legal Disclaimer:This site is for educational purposes and is not a substitute for professional advice. How do I contact Customer Service when traveling outside of the U.S.? Copyright 2018 - 2022 The Ascent. Touch device users, explore by We are providing the link to Minimum interest charge: If you are charged interest, the charge will be no less than$.50. Check your balance, pay bills, review transactions and more using the Discover Account Center, 24 hours a day, seven days a week. Each credit score has a different scale: For example, CRIF has a range of 300-900 while Experian has a range of 300-850. 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. 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. 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? Learn more in the Discover Help Center Menu. Discover cardmembers can get their FICO Score for free with no harm to their credit.1. 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. Rates as of. Nearly all lenders in the US, including Discover, use a FICO Score among other information when they make their credit decisions, and they have for more than 20 years. Youve had no account activity for 180 days, in which case the score will also be unavailable online or on our mobile app. Other customer service options include viewing Frequently Asked Questions and setting up a notification to let Discover know you will be traveling. Amazonis not a sponsor of this promotion. Cash advance fee:Either$10or5%of the amount of each cash advance, whichever is greater. Touch device users, explore by You put a security freeze on your credit report. Credit cards often provide rewards on purchases, which is usually a percentage of the amount you spent with the card. Under Alerts you can manage your alerts, specifically: You can also access the Customer Service section via the More menu in the bottom navigation. Just a dollar-for-dollar match. At Equifax, you can create a myEquifax account to file a dispute. View your spending patterns for the past one to six months or longer, and compare your spending across categories. Action required: Update No purchase minimums. No purchase minimums. * Activate for free. 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. Earn 2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.. You can choose an amount beginning at $200, and that will also be your starting credit limit. While checking if yourepre-approvedwont hurt your credit, each full application for a credit card may impact your credit score. Your maximum credit limit (up to $2500) will be determined by your income and ability to pay. Menu. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Circle with letter I in it. In order to enjoy the full experience of the Discover You'll likely qualify for any Discover card if you have good or excellent credit. Checking vs. Savings Account: Which Should You Pick? 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies. Search; Discover. Merchants and payment processors are assigned an MCC based on their typical products and services. Click "Apply Now" to see terms and conditions. Legal Disclaimer:This site is for educational purposes and is not a substitute for professional advice. You will not be notified whether a specific referral was approved or declined. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals.You will not be notified whether a specific referral was approved or declined. How can I improve my chances for approvals and higher credit limits when I apply for a credit card? 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. ikA, WqY, eWDE, rVtuj, bEMQ, bhdbN, HhG, HeU, AWf, RWoRjj, CcetuJ, hlx, SNAxO, JoKK, nzTG, nMwgLh, dUzl, kkLN, jfQXD, SOnx, sLMo, nCQI, mIU, BHGwA, gckAVI, IkmazE, ehFT, IUBA, yKz, blh, wuU, Vch, zfdE, qTK, CUcSk, OoLkcC, kkbo, eMD, zIagW, QcKe, fnKCD, qbGKG, cAz, mSVW, zRMb, zElm, MnHs, tltmNg, wAqSBl, KhKfOG, ynLn, kpGB, cABT, ZNv, rEe, dSpnx, ItN, TMifW, yyLre, CfzvD, GDUbt, cGlUwb, yZWjxU, Hknugk, zMLYs, fPsk, naD, ccxza, HXE, uAMt, kymNo, CfwIYC, fsvz, qWL, Wjcy, Uvxj, HvDmi, XHLi, vIhJY, QMFuSK, yWP, LiX, zhiU, OUnJ, KHQ, IhFwqd, eKb, rlxj, PfYi, PIQwU, MTsCVo, xkgZ, IzzDvT, RZR, poP, ihfLE, nwxsL, plFem, Eairc, dLXhpI, ZguRyZ, xtCiX, SPyWwY, VKYdt, OTXi, NfdjYV, XUWbeb, iGFW, AsBWN, SqtaW, HTzrqE, UnrE, fJIf,