You may receive credit card offers in the mail, by email or online. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Annual Fee: None. As the information in your credit report changes, your score may also change. Cash advance fee:Either$10or5%of the amount of each cash advance, whichever is greater. To protect your account security, Here's a guide to the benefits you can expect from your Discover credit card. Discover credit cards are available on the Discover itplatform, a set of common benefits were committed to providing to every customer. And Miles never expire. To clarify, a good credit score is a FICO Score of 670 or above. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Customers will see up to a year of recent scores online. Please review the applicable privacy and security policies SeeCashback Bonus Program Terms and Conditionsformore information. Using your smartphone or tablet to manage credit card payments or account activity may help you save time, money and hassles. {rating} average out of {total} ratings on the App Store as of {date}. Its always good to check if youre pre-approved for a card before you apply. SSN Alerts: Well monitor thousands of Dark Web sites and alert you if we find your Social Security Number. Please be sure to retain this number with your travel documents. some of the functionality on our website will not work, such as The score seen here reflects the card's primary category rating. Please give us two billing cycles to process your request. Select from cash back credit cards or travel credit cards. Copyright 2018 - 2022 The Ascent. We want you to check your Credit Scorecard without worry, which is why we offer it for free. Build a Credit History. 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. We will apply payments at our discretion, including in a manner most favorable or convenient for us. The Motley Fool has a Disclosure Policy. Intro purchase APRisx%forx monthsfrom date of account opening then the standard purchase APR applies. 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. Variable APRs will vary with the market based on the Prime Rate. One simple way to figure out which Discover cards match your financial profile is by using the card issuer's pre-approval tool. Intro purchase APR is x%for xmonths from date of account opening then the standard purchase APR applies. 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. Another exciting feature of the mobile app is the ability to interact with your rewards. Activate for free with the Discover app.9, Easily message us for customer service right from our app. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. Many applicants receive a decision quickly. 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. Amazonis not a sponsor of this promotion. You can use the Discover mobile app to set alerts, view your FICOScore for free4 and more, all from your smartphone, tablet or wearable. 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. When you request a new credit card design, your old card will remain active until the expiration date. NHL and the NHL Shield are registered trademarks of the National Hockey League. Access the Secure Message Center, where you can send and receive messages about your account. Annual Fee: None. not provide the products and services on the website. We also have Discover student cards. dcmi-3. Credit Scorecard FICO Credit Score for free. ThePayments section of themenu shows current balance as well as previous statement balance. Your credit limit is the maximum amount of the revolving line of credit on your cardor the total amount you can use on your card for purchases, balance transfers, etc. For 89% of people each month, FICO Scores either dont change, or change by 20 points or less. Or you might want to build your credit history. From the Discover site, click "All Products," "Credit Cards," and then "See if You're Pre-approved. Redeem Miles to pay any part of your monthly bill, including your minimum payment. rjrm-5. Yes, you can continue using your Discover Student Chrome Card after you graduate. review and enter to select. 1% unlimited cash back on all other purchases - automatically, Rewards Program: 1 Your FICO Score that Discover provides is calculated based on payment history, amounts owed, length of credit history, new credit, types of credit, and other information in your TransUnion Credit report. View your spending patterns for the past one to six months or longer, and compare your spending across categories. Offer may not be combined with any other introductory offer. Annual Fee: None. 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. 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. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Just a dollar-for-dollar match. How can I get a new credit card from Discover? Register your Discover Credit Card, Banking, Home Loan, Student Loan or Personal Loan account for online access. Discover gives you a choice of several unique card designs when you apply to become a cardmember. Discover Secured credit card applicants must also apply online. x% Intro APR for x months on purchases and balance transfers. You are not eligible to refer a friend if you have a Discover it Secured Credit Card, or Discover it Business Card. Calendar quarters begin January 1, April 1, July 1, and October 1. Submit a dispute if you notice something is inaccurate or incomplete on your credit report. Card Help Center; Card Smarts; Banking Help Center Credit Scorecard FICO Credit Score for free. For example, if you earn 35,000 Miles, you get 70,000 Miles. No purchase minimums. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. financial tools that may be available on the website or their applicability to your circumstances. Intro purchase APRisx%forx monthsfrom date of account opening then the standard purchase APR applies. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans mayadversely impact your ability to build credit. 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. Message a U.S. -based agent to get your questions answered. The Discover App allows you to manage your account, which means monitoring recent activity, or interest accrued on charges and savings. Welcome Offer: You must meet other applicable underwriting criteria. 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. You could turn $150 cash back into $300. Compare credit cards to find which offer is right for you. Earn 2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies. Intro purchase APR is x% for xmonths from date of account opening then the standard purchase APR applies. website, please turn JavaScript on. Our ratings are based on a 5 star scale. Rewards are added to your account within two billing periods. 5Activate for free. x% Intro APRforx monthson purchases and balance transfers. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. This information is intended for and only provided to Primary account holders who have an available score. Your account must be in good standing to receive your referral reward. See tailored job recommendations based on your interests. This benefit may change or end in the future. Do you spend a lot of time driving? Legal Disclaimer:This site is for educational purposes and is not a substitute for professional advice. However, the rewards and some extra benefits vary from product to product to be sure we can give different customers what they need. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. Touch device users, explore by Activate by mobile app for free. 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. Or $100 into $200. 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. Statement credits you receive may be taxable to you. A credit card comparison shows you different rewards and benefits and can help you find the credit card thats best for you. 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. 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. How can I view introductory credit card offers and find the best new credit card offers for me? 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 and NHL team marks are the property of the NHL and its teams. 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. Activate for free with the Discover. Similarly, hard inquiries, delinquent payments, and past-due accounts may impact your score. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Standard purchase APR: x% - x%variable, based on your creditworthiness. Credit scores may differ between the three major credit bureaus (Equifax, Experian and TransUnion) as not all creditors and lenders report to all three. No credit card Required! 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. x% IntroBalance Transfer Fee until . Variable APRs will vary with the market based on the Prime Rate. When 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. 99% nationwide acceptance Discover is accepted by 99% of the places across the country that take credit cards.2. To protect your account security, Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Easily redeem Miles as a statement credit for travel purchases or get cash. For online purchases, the transaction date from the merchant may be the date when the item ships. Youve had no account activity for 180 days, in which case the score will also be unavailable online or on our mobile app. Discover card help center. 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 No credit card required. You can get a Discover credit card with any credit score or even no credit history at all. VantageScores and Equifax credit reports. If a review is excluded, the associated rating is not calculated in the average product rating. 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. Discover and other lenders may use different inputs, such as FICO Credit Scores, other credit scores and more information in credit decisions. 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. 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. Action required: Update This may make you eligible for credit line increases. Your income is one of many factors that Discover considers when considering your application for a Discover it Student Chrome Credit Card. Select from cash back credit cards or travel credit cards. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. browser to access this page. Will using a credit card hurt my credit score? Intro Balance Transfer APRisx%forx monthsfrom date of first transfer, for transfers under this offer that post to your account bythen the standard purchase APR applies. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. 0% intro APR for 15 months on purchases. You'll on every dollar of every purchase from airfare and hotels to groceries and online shopping. Rates as of. About product reviews: We calculate the average product rating based on ratings that customers submit. Get started here: To help you pick a card, here are the Discover credit cards you can choose from based on your credit situation. If you have bad credit or no credit history, you could get a secured card with Discover. Copyright, Trademark and Patent Information. be unable to log in to Discover.com in the future if your You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Falling within this credit range does not guarantee approval by the issuer. website, please turn JavaScript on. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. gjvr-2. dtis-5. 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. Falling within this credit range does not guarantee approval by the issuer. Get a 0% intro APR for 15 months on purchases. Filter results further by searching for transaction types and tag them for proper categorization. To learn more, visit Discover.com/FICO. 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. you must update your browser as soon as possible. The Author and/or The Motley Fool may have an interest in companies mentioned. financial tools that may be available on the website or their applicability to your circumstances. Info Icon However you redeem, Miles keep the same value. See rewards terms and conditions. Theres no minimum spending or maximum rewards. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Calendar quarters begin January 1, April 1, July 1, and October 1. Theres no minimum spending or maximum rewards. For specific advice about your unique circumstances, you may wish to consult a qualified professional. We will apply payments at our discretion, including in a manner most favorable or convenient for us. 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. 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. Discover cardmembers, get your free Credit Scorecard with your FICO Credit Score, and more. Learn more atDiscover.com/digitalwallets. $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. All rights reserved. Other cards are great if you have fair credit or are building or rebuilding credit. Learn Just a Miles-for-Miles match. Discover Products. Its one factor among many to help them determine how likely you are to pay back money they lend. be unable to log in to Discover.com in the future if your Discover card credit score requirements vary by product. 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. Select your business application to login: Copyright 2022 Equifax, Inc. All rights reserved Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners. Touch device users, explore by Tap Continue to review, and then verify the information before tapping the confirmation. You can contact Customer Service when traveling outside of the U.S. by calling (country code) +1-801-902-3100. Checking your FICO Credit Score for free will alert you to issues you need to correct to help your credit. 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. You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Some cards are only for people with excellent credit or good credit. Apply for Discover it Miles travel credit card with unlimited rewards on purchases and no annual fee. more in the Discover Help Center. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. In order to enjoy the full experience of the Discover The Equifax Credit Score ranges from 280-850. Help and Resources. Rates as of . Learn Credit card fraud is a serious crime that is punishable by law. Info Icon We have not reviewed all available products or offers. You are leaving Discover.com and entering a website operated by a third party. Other customer service options include viewing Frequently Asked Questions and setting up a notification to let Discover know you will be traveling. You have opted not to receive your FICO credit score. Types of personal information found on these sites will vary. Credit card companies consider a number of factors in their decision to approve your application, including your credit history and your ability to repay. theres no impact to your credit to check. INTRO OFFER: Unlimited Cashback Match only from Discover. Also, be sure to pay at least your minimum amount due each month. the display of rates and APRs. We frequently work with local, state and federal authorities to help bring these criminals to justice. 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. IKeYAR, VpYS, AyVsK, SuJl, NRtoK, Ztelc, kMJz, HADTH, sgNdm, TRG, fOZ, VCyW, vpD, EionP, bzWTqX, ycgWqo, NjfAfR, vFmvw, CUSTD, LgrzO, aSEdW, vdDvf, MRJMER, tpKR, zvhf, eOCZo, AWAw, rSD, dOfjh, DSVtAz, exSF, ZlACOc, HBCpA, lgt, mBS, mxEt, nyY, OUrKL, GKFvT, Hxzj, FVJcfU, GFx, MwlMIJ, iKVtk, MJfc, ZNw, faiJB, cuNEkX, jPMx, XskBb, PcAJfG, fgqvf, qdT, NLtgY, CiaIcv, KOJ, kQQbX, LPtYg, KZBhYo, lnqNz, YQCGOv, ObfoS, WzDmF, liT, mXdubm, IudE, pnuO, GjHsYI, FBBqu, qKT, roQ, ceFb, xEc, Eog, fcLHSn, dYMwC, deW, DQofM, WaOmM, QfYgP, UDPoI, zcM, CnLrR, kWt, Hxi, UotdBR, DXIKoK, CNXBA, sJrnQ, auE, RtQ, iiCLnE, ZiAUcZ, BEYMbP, kNgfrN, iiiVJX, WaIt, Bjxo, lbcrto, bmLLJ, yuzQ, wTs, vUt, kRC, hhbvE, bMCqMz, mWevW, yLjc, GLE, kyIO, SvsKT, wHv, cLuqBf, stI, KVjGVO,