Discover it cash back card credit score

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Discover has a large roster of popular credit cards. If you're thinking of applying for one, then you probably want to know the required credit score for a Discover credit card.

Like every credit card company, Discover looks at many different factors during a credit card application. There's no set credit score for a Discover credit card, because your full credit history and financial profile matter.

There are, however, suggested credit scores for Discover credit cards. With this information, you can pick out a Discover card where you'll have a strong chance of being approved.

Choosing a credit card

Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:

To help you pick a card, here are the Discover credit cards you can choose from based on your credit situation.

Bad credit or no credit history

Discover has one secured credit card, the Discover it® Secured Credit Card, for consumers who need to build or rebuild their credit. This is one example of when there's no minimum credit score for a Discover card. Since this is a secured card, you will need to pay a security deposit to open it. You can choose an amount beginning at $200, and that will also be your starting credit limit.

While you'll need some cash upfront to get the Discover it® Secured Credit Card, this card can graduate to an unsecured card. That means Discover upgrades your card and refunds your deposit.

Good to excellent credit

You'll likely qualify for any Discover card if you have good or excellent credit. To clarify, a good credit score is a FICO® Score of 670 or above.

In this case, it makes sense to go for one of the most valuable Discover credit cards. These are:

  • Discover it® Cash Back
  • Discover it® chrome
  • Discover it® Miles

If these cards interest you, take a look at the comparison below to learn a bit more about them.

As of Nov. 04, 2022

Discover it cash back card credit score

Discover it cash back card credit score

Discover it cash back card credit score

Discover it® Cash Back Discover it® chrome Discover it® Miles

Rating image, 5.00 out of 5 stars.

5.00 stars

Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Rating image, 4.50 out of 5 stars.

4.50 stars

Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Rating image, 4.50 out of 5 stars.

4.50 stars

Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Apply Now for Discover it® chrome

On Discover's Secure Website.

Apply Now for Discover it® Miles

On Discover's Secure Website.

Read Full Review

Read Full Review

Read Full Review

Rates & Fees Rates & Fees Rates & Fees

Credit Rating Requirement:

Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Offer: Info IconCircle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

Welcome Offer: Info IconCircle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

Welcome Offer: Info IconCircle with letter I in it. Discover will match all the Miles you’ve earned at the end of your first year.

Miles match

Rewards Program: Info IconCircle with letter I in it. 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically

1% - 5% Cashback

Rewards Program: Info IconCircle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

1% - 2% Cashback

Rewards Program: Info IconCircle with letter I in it. Redeem for Travel or Cash. Easily redeem Miles as a statement credit for travel purchases or get cash

1.5 Miles per dollar on purchases

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR:

14.99% - 25.99% Variable APR

Regular APR:

14.99% - 25.99% Variable APR

Regular APR:

14.99% - 25.99% Variable APR

Annual Fee:

$0

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • 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. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

Highlights:

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • 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. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

Highlights:

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR will apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Apply Now for Discover it® chrome

On Discover's Secure Website.

Apply Now for Discover it® Miles

On Discover's Secure Website.

Show More Show Less

Here is some more information about these two student credit cards.

As of Nov. 04, 2022

Discover it cash back card credit score

Discover it cash back card credit score

Discover it® Student Cash Back Discover it® Student chrome

Rating image, 5.00 out of 5 stars.

5.00 stars

Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Rating image, 4.50 out of 5 stars.

4.50 stars

Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Apply Now for Discover it® Student Cash Back

On Discover's Secure Website.

Apply Now for Discover it® Student chrome

On Discover's Secure Website.

Read Full Review

Read Full Review

Rates & Fees Rates & Fees

Credit Rating Requirement:

Fair/New to Credit Under(669) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Fair/New to Credit Under(669) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Offer: Info IconCircle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

Welcome Offer: Info IconCircle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

Rewards Program: Info IconCircle with letter I in it. 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically

1% - 5% Cashback

Rewards Program: Info IconCircle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

1% - 2% Cashback

Intro APR:

Purchases: 0%, 6 months

Balance Transfers: 10.99%, 6 months

Intro APR:

Purchases: 0%, 6 months

Balance Transfers: 10.99%, 6 months

Regular APR:

15.99% - 24.99% Variable APR

Regular APR:

15.99% - 24.99% Variable APR

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • 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. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.99% - 24.99% applies.
  • Click "Apply Now" to see terms and conditions.

Highlights:

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.99% - 24.99% applies.
  • Click "Apply Now" to see terms and conditions.

Apply Now for Discover it® Student Cash Back

On Discover's Secure Website.

Apply Now for Discover it® Student chrome

On Discover's Secure Website.

Show More Show Less

Checking if you're pre-approved

One simple way to figure out which Discover cards match your financial profile is by using the card issuer's pre-approval tool. It only requires a soft credit check, which has no effect on your credit score. Instead of figuring out the credit score for a Discover card, this tool can show you which Discover card fits your credit score.

Here's how to check if you're pre-approved for a Discover credit card:

  1. From the Discover site, click "All Products," "Credit Cards," and then "See if You're Pre-approved."
  2. Fill out the pre-approval form.
  3. Click "Check Now" to see your results.

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.

Applying for a Discover credit card

The right credit score for a Discover credit card will all depend on which Discover card you choose. 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.

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. Fill out the application; the process only takes a few minutes. Many applicants receive a decision quickly.

What score do you need for Discover cash back?

A: Discover it Cash Back requires good to excellent credit for approval. You should have at least a 670 FICO credit score to apply.

Is Discover it a good credit card to build credit?

Paying the security deposit on a secured card might not appeal to everyone at first, but the Discover it® Secured Credit Card could be one of your best options for building or rebuilding your credit. It reports to the three major consumer credit bureaus and offers plenty of useful features, all with no annual fee.

What is the minimum required credit score for the Discover it secured card?

No credit score required to apply. No Annual Fee, earn cash back, and build your credit with responsible use. Establish your credit line by providing a refundable security deposit of at least $200.

Does Discover it cash back do a hard pull?

Yes, Discover it Cash Back does a hard pull. You will need a credit score of 700+ to get it. This means that Discover it Cash Back requires at least good credit.