I have been rebuilding my credit since my BK 3 years ago (due to medical bills). Multiple hard inquiries within a short time period may not reflect well on your credit report and could affect your credit score so it’s important to only apply when you need credit. The Discover it® Secured gives cardholders access to many of the perks and benefits available to people with higher credit scores, including a robust cash-back program, … They protect against fraud far better than debit cards, help raise your credit score, and can put hundreds (or thousands!) After 3 1/2 years, my limit is now $6000. First, there are Discover's best cards, which require good to excellent credit. As well as which one, since their site lists about 5! Thank you Discover. Discover it® Cash Back Credit Card Discover it® Miles; Cash back: 5% on revolving quarterly categories, 1% on all other purchases ($1,500 max spend per quarter, activation required… My credit score is considered ok (722 with TU) and I was given a SL of $8500. The only thing that peeved me off is that when I applied, I wanted to do a balance transfer. Aside from this disappointment, the card is great. I came here to the US on a H1B. $500 credit … After my first statement arrived, I signed up for autopay (since you could only do that after the first statement arrives). And my starting credit limit was $10000. Virtually every store I go to accepts discover. On the web site it said 14 months at 0%. My score back then was about 650. I especially look forward to the 5% on gas! I applied over the phone and after what seemed like eternity, I was finally approved and couldn't believe it when they told me that my starting credit limit was $10,000! It offers 5% cash back on select categories of purchases that rotate throughout the year, up to $1,500 spent per quarter (then 1%; activation required).. 12.99% - 21.99% Variable APR. Before you apply for a personal loan, here's what you need to know. But after I got approved for the card, I found out that they pulled EQ and I had a 740 score (what a difference with creditkarma). Copyright © 2018 - 2021 The Ascent. You earn 3% cash back … Compensation from affiliate relationships allow us to maintain and update our site. I made phone calls to both Discover and Amex and told them about the situation. Decided to apply for a Discover card so I can build my credit,to my surprise they approved me for 8,500 with 5% cash back. Intro APR. A: Discover it Cash Back requires good to excellent credit for approval. Discover has a large roster of different credit cards, and the credit score needed for an approval can vary depending on which card you choose. Another really useful feature they have is that you can earn 5% cash back when you shop online with their online partners. Compensation may impact how and where we place products (for example, the order which they are placed on a category page). But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. From what I have read, with my scores, I expected to be declined and offered their secured card. Cash Back: 1% cash back on all other purchases. With the Bank of America® Cash Rewards credit card, it's a different story. You’ll earn 1% back on all other purchases. Customer rep told me it was due to my credit. Intro Bonus. I can also choose to get the rewards via check or exchange for gift cards. Every card issuer takes a variety of financial data into account, and several also have their own unique application rules. No late payments, no collections, no derogatory marks. You can only get one Discover card every 12 months, and you're limited to having two Discover cards at most. The Discover it Cash Back is a terrific no-annual fee credit card that allows you to earn 5% back on quarterly categories. I am happy with the card so far though I am quite surprised that I only got $7500 after reading here that folks got higher credit limits with lower scores! I even asked for the HP to removed to which they said no. We have not reviewed all available products or offers. The 5% rewards on the categories are also great. The Discover it Chrome for Students card is best for college students who want a credit card that offers a simple rewards structure and more generous cash back rewards at … I have always got a Visa and my Amex Green in my wallet. Discover will want to see that you have enough money to pay back any charges you make. I got it for 14 months balance transfer which I used and also got the 2X cash back bonus after one year. The Ascent is reader-supported: we may earn a commission from offers on this page. I have no baddies on my file. I have now gotten into the habit of checking my fico score every time I check the website or the app (which is great). ". I recently bought a pair of boots at Macy's and did earn 5% cash back (showed up a couple of weeks later). I absolutely love the cash back bonus and I try to make use of the 5% as much as I can. Got this card because of the 5% cash back and the low interest rate (I got 12.99%). My suggestion would be to get both (since they both have no annual fee) and you can earn more cash back by combining the two cards. You can unsubscribe at any time. Unlimited Cashback Match. On this particular order (in fact 2 orders), the merchant failed to deliver. I used some of the cash back and exchanged them for gift cards. 0% on Purchases and 10.99% on Balance Transfers for 6 months. This card’s rewards are the same as Discover it® Cash Back, but no credit history is required — 5% back on rotating categories (for up to $1,500 a quarter, then 1%) upon enrollment, then earn even more when Discover matches your cash back … My score was 622 (real FICO) and was given a $2,500 limit. It’s how we make money. I was approved with a $1500 credit limit. I have two 2 open car loans totaling 39K and 3 open CC in good standing. I told them that they are giving me every incentive to transfer my balance to another card once the promo period ended. First, there are Discover's best cards, which require good to excellent credit. Finance. I have Amex, BOA and Chase and finally decided to get a Discover as I have been swayed by their ads about their customer service. That means you’ll earn the equivalent of 3% cash back in your first year of using the card. You really can earn a LOT of cash back. You could still get approved with low income, but you should expect to start with a low credit limit. You may need a score of 680 or above to be approved for a Discover card unless it’s a secured or student card designed for lower credit ratings. Two years ago, my credit score was in the 500s. Income is always an important factor in a credit card application. The Discover it® Card is a cash back credit card with benefits like no annual fee, your FICO® Score for free every month and great rewards that never expire. But I was and got the card a week later. Was told to call them after a couple of days and after answering a few questions about my mortgage and income, I was approved for $6000. I told the woman to close the close account before they event sent me the card. For anyone who recently applied (especially those with average credit scores) could you please share your experience? It just seems like an unnecessary step. My credit was not exactly the best when I got this card. Balance transfer. The Ascent does not cover all offers on the market. Against everyone's recommendations, I applied for the Discover It Student Cash Back card. Decided to apply for a Discover card so I can build my credit,to my surprise they approved me for 8,500 with 5% cash back. With Discover, two key factors that will also come into play are: Discover has a couple application rules that limit how many cards you can get. I got $800 and $750 limits for both these cards respectively. I started off with $200 credit limit each. I was discharged rom BK one and a half years prior and never really expected to be approved. I also disputed a couple of errors on my reports and had them removed. Click here to get free access to our expert’s top pick. To be honest, I did not know what my score was when I applied since I had no history. 9 months ago, my score was about 595. With all the Discover cards available, you can find one to fit any credit score and financial situation. And I had have absolutely no regrets. $0. And at the end of the year, cash back earnings are doubled the first year so it equals to 2% back on all purchases and up to 10% back … The 5% category is good sometimes and not so good other times. I called customer service to see if they could lower it to 12.49% (which is the lowest APR). So I just put 500 here (but I do not think it is accurate). I got approved but when my card arrived, I found out that the interest rate after the promo period ended was going to be like 21.49%. In 6 months, my score has increased to 730. I also got my "double cash back" after one year. I got this card when my credit score was like 750ish and I got a $10,000 credit limit. I was approved for $12800 (which is a very odd number) and given 0% for 14 months (both BT and purchase). I did the prequal for this credit card, honestly had no real intentions on using it just boosting score for utilization purposes. I will be using this card as my main card from now on and hopefully I will get a credit line increase after a while. By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you. Plus, earn unlimited 1% cash back … When I decided to try my luck on an unsecured card, I did some research and decided to go with Discover it. Why do they make you activate the 5% categories every three months. I have this bad experience with the card which has kind of soured my relationship with Discover. Capital One posts almost immediately. So I was surprised that Discover gave me a $3000 SL. I got approved instantly and got a $7,500 SL. My score was 745 EX and I was approved for $10k. Explore our picks of the best brokerage accounts for beginners for February 2021. If you’ve ever redeemed cash back rewards and felt the contentment of a penny well saved, then you may owe a bit of gratitude to Discover. Still they didn’t budge. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. They declined to increase the limit and said it was based upon info in my credit file. I worked very hard to fix my credit. I do use the gas and shopping and amazon stuff in Q4. I was approved for %1500. It only requires a soft credit check, which has no effect on your credit score, and it will show you what cards you're pre-approved for. My FICO credit scores range from 732-748, Credit Karma says 680. Generally speaking, this is defined as a score of 690 or better. Discover will automatically match all the cash back … I had a couple of late payments and my score just tanked. It’s important to note that since Discover offers rotating categories, you need … I opted for this card because I though that the 5% categories sutied me a little more. I really love this card a lot. Discover will automatically match all the cash back you’ve earned at the end of your first year! I made some purchase online with a retailer. But I was not given my 0% deal so I did not know for how long it was even thought it was a 14 month intro deal on the website. All rights reserved. I have the Amex BCE and the Chase Freedom. I even printed the email confirmation of orders and sent it to them. Instead, I was approved with a $2500 SL and my score was EX 590. You’ll need good to excellent credit to qualify for the Discover it® Cash Back. Some of the cards that appear on our site are from companies that we receive compensation from. Among the three cards, I would say that Discover definitely has the best app. Took the offer and got $2500 limit. I had no credit cards since closing a secured card that only had a $250 limit around 16+ years ago. of dollars in rewards back in your pocket each year. Since the Chase Freedom also has 5% categories, I was familiar with it. There’s no minimum spending or maximum rewards. The card came in a very nice package. At supermarkets, I use the BCE. I also found out that you could shop (via their website) at online retailers and earn 5% cash back. Have you filed for bankruptcy before you applied for this card? Discover it® Cash Back is intended for people with at least good credit and a FICO Score® above 670. Discover it® Student Cash Back does not have an official minimum credit score. I do not have the best credit, but Discover still approved me. Please read our Privacy Statement and Terms & Conditions. I filled out the pre-approval page on Discover's website and the suggestion was that I get the IT card. I have 2 HPs that aren't even a month old yet, and Discover can be touchy about that. I will stop using the Discover and stick to my Amex. I finally decided to give it a shot and applied. Then one day I found a fraudulent charge on my account. A 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. I applied with a 756 score and got an $8000 credit line. I set up autopay with my Bank of America account so everything is automatic. A few months after I was discharged from BK 7, I received mails from Discover. TU 680, EX 694. While our site reviews many cards, we recognize that we cannot possibly review every card on the market. SL was $8500. Got approved for Discover a year ago for a $4k credit limit. They are not being honest. We do receive compensation from some partners whose offers appear on this page. First, earn 5% cash back on rotating categories that change and must be activated quarterly. There isn’t much else to this card; just a solid flat-rate rewards program that provides the same amount of cash back … The Discover it® Secured is a great choice if you have bad credit, as there's no minimum credit score required. How to Protect Yourself from Credit Card Fraud. I am a rebuilder and I received mails from Discover. Every six months or so, I would call them up for a credit line increase. It was a toss up between this card and the chrome. Our editorial and consumer star ratings are based on independent reviews and not influenced by compensation and affiliate relationships. So I just charged $300 a month (20% utilization ratio) on the card and pay off in full every month. Finally decided to give Discover a shot. I find it ok though I hate having to activate every 3 months. That’s why our expert – who has reviewed hundreds of cards – signed up for this one personally. Not long after, I was approved for the Capital One Platinum card. The app is great and if you set it up correctly, you get an alert for every transaction. We are also authorized users on each other's card. Here are my scores when I applied. I got the Opensky and Capital One. Consumer Reviews, Credit Score and Income Needed, Credit Limits. I got instantly approved for the card with a $12k limit. Rewards redemption: Redeem cash back at any time. I took on a couple of side jobs, drove uber at night and started to be on time on my bills again. It was only a soft pull so I continued to ask for increases. Explore the best credit cards in every category as of February 2021. One simple way to figure out which Discover cards match your financial profile is by using the card issuer's pre-approval tool. I have an Amex card and I can say with experience that whenever I have any fraudulent charges on Amex, their philosophy is that the "customer is always right" and a dispute is filed immediately, the bill from that merchant is suspended and almost all the time, the problem is resolved and you do not hear from Amex anymore. I shop at macys.com a lot and when you do it through discover, you save a lot of money. Stay clear of Discover. Discover … The Discover it Student Cash Back credit card comes with two reward rates. Ongoing APR. Extra perks: Cash back match at the end of your first year, free FICO credit score, no penalty for first late payment and free Social Security number alerts. 12.99% - 21.99% Variable APR. I got a pre-approval, but got denied anyway... Backdoor reconsideration line was a success! That being said, credit card companies usually don’t write a minimum score … His work has also appeared on MSN Money, USA Today, and Yahoo! With the NHL® Discover it®, you don't have a say in which categories earn 5% cash back. Students with limited credit history, or even no credit history at all, still have good approval odds. So I managed to get the 5% cash back as apple.com is one of their shopping partners and and I also took advantage of the 14 month 0% apr. I was really surprised that I was approved for Discover with my score. I do have the Cap One QS and only got a $500 CL. Credit Score: 709 Credit Limit: 500 Age: 25-34 Cash Back Deal: Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers). Check out our top picks of the best online savings accounts for February 2021. I have had this card for over a year. Comparative assessments and other … I got the Discover It while my hubby got the chrome. I actually used the card to buy a imac 5k. With Discover's student credit cards, there's a one-card limit. She just simply said she understood where I was coming from and will bring my concerns to management! (Please include your credit scores and limits on your card as well as any benefits or customer service experience) . The Ascent is reader-supported: we may earn a commission from offers on this page. I was absolutely over the moon when I got approved for the card. I now use a combination of these 3 cards so I can maximize my cash back earnings. You do have to activate every three months (remember that and if you don't you will get email reminders anyway). I do use the 5% categories and scored a big one with home improvement expenses during Q2 this year. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. You could turn $150 cash back into $300. I decided to apply for the Discover it because I just wanted to diversify my credit cards. You see, the credit card giant was the first global issuer to discover the power of credit card rewards — pioneering the cash back rewards program in the process.. Today, Discover is one of the world’s largest credit … I get an email once a quarter asking me to "activate" through a click on the email. I also got 0% apr for 14 months. Im interested in the cash back … And Discover reps that I spoke to ( a few of them) did not seem to bother or really go out of their way to help. The Discover it® Cash Back is quite popular. If you make use of all of these, it all adds up. I have cash back cards from Amex (BCE) and Citi DoubleCash and decided to give Discover a shot because of the 5% category. You can get one of these cards even if you lack any credit history. I submitted my app and was given $500 CL ... a slap in the face to say the least. If you can pay for a security deposit, you can most likely get the card. Earning cash back from your credit card is an easy way to save a little bit of money on your everyday expenses, and the Discover it® Cash Back Credit Card is the perfect low-risk way … Decided to apply for a Discover card so I can build my credit,to my surprise the approved me for 8,500 with 5% cash back. One thing I did notice is that the cash back I earn takes a month to post. I have also earned 5% cash back from their merchant partners. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. I find this really irritating. As long as you pay them off each month, credit cards are a no-brainer for savvy Americans. Customer rep said with a straight face that they could not, but offered me 19.49% instead. The 5% categories are great. My score was in the high 700s and I got a starting credit line of $15,000. And, other factors go into Citi’s qualification decision beyond your credit score… 5% on gas is my favorite but also during Q4 when you can earn 5% at amazon. I absolutely love this card. Credit score required for the Citi Double Cash Card (Photo by Getty Images) Citi doesn’t publish specific credit scores needed to be accepted for its cards. In fact, it is now my main card. I have been using 2 secured cards and this was my first unsecured credit card. Taking the step of seeing which credit cards you qualify for can pay off in both the short and long run, regardless of your current credit score. We basically use one or the other whichever gives us a higher cash back. This top-rated card offers the ability to pay 0% interest on purchases into 2022, has some of the most generous cash back rewards we’ve ever seen (up to 5%! Make sure that your credit score is in the recommended range for the card you pick, and when in doubt, give Discover's preapproval tool a try. When I applied, my CK score was about 686. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. After 14 months, my limit was increased to $3000. I got two secured credit cards to rebuild my credit. Cap One gave me an increase after a while and after a year and a half, I was approved for the Cap One Quicksilver. Im looking to get a general idea of the credit score needed to apply for the Discover It card. I was really surprised to get this card. I had no credit but ahead to apply for the Discover it after I got my SSN. Rewards, Intro Bonus, Cash back. After a few questions, I was approved almost instantly (or 60 seconds as they suggested)! I got the $50 bonus and also like it that I can use my rewards at amazon.com. TU score was about 660 but I got approved with $3500 SL. In the end, I got 9 months intro period and not 14 months as per the website! ), and somehow still sports a $0 annual fee. A head scratcher for sure. After a year, my credit limit was increased by $5k to $15k. I am so glad I got this card. For 8 months, I had a great experience with this card. I decided to try out this card because of the 5% category bonus. Even though there isn't a specific minimum score for these cards, it helps quite a bit if yours is 670 … I love my Discover card but for one thing. You need a 700+ credit score to get most Discover credit cards, but there’s no minimum credit score needed for three Discover cards. I can check my FICO scores with all three and this is the right combo of cash back cards for myself. What a wonderful this card is. I also have the BCE for gas and groceries and the Capital One QS for "other purchases" 1.5% cash back. Can't Discover just "auto-enroll" every quarter. For having a high credit score, you'll be able to get Discover's most lucrative rewards rates and its longest 0% intro APR offers, after which the go-to variable rate applies. I did research online about building credit history in the US. Everything You Need to Know About Savings, Copyright, Trademark and Patent Information, From the Discover site, click "All Products," "Credit Cards," and then "See if You're Pre-approved. Discover it® Student Cash Back age limit The minimum age limit for Discover it® Student Cash Back is 18 years old. Bonus Cash Back: 5% cash back … I immediately wrote customer service for a recon and asked why was it so low. I used my Amex card initially but I was close to my limit so I used Discover for another bulk of purchases. Two years into my rebuilding, all I had was a couple of secured cards. I set up autopay as soon as I could (you could only do it after the first statement). But still, I will give this a 3-star because of this. I was also really thrilled when I got double my cash back after the first year. I got this card because of their 0% for 14 month deal. Sweet. Credit card applications are never just a matter of the card issuer checking your credit score and saying yes or no. While an excellent credit score will typically qualify you for any Discover card, you may need to be more selective if your score is lower than that. But the stuff in Q2 for spring does not really apply to me. You could divide Discover credit cards into three tiers based on what kind of credit you need in order to get them. Annual fee. Have had this card for 8 months and I love it. But when I got it, I was offered only 6 months at 0%. But with so many cards out there, you need to choose wisely. I applied online and got the 7-10 day message. The 5% rewards absolutely work for me (it may not for you but it does for me). I got approved for $1500. Just like the Discover it Cash Back, you'll be able to freeze your account from the mobile app or website and have access to free credit monitoring, FICO(R) Score reports and Discover… For the first two, it was like $300 each time. 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. But aside from that, Discover has deals with online partners (log into Discover, click on the online merchants site, use your Discover to pay). Lyle is a writer specializing in credit cards, travel rewards programs, and banking. My TU score was 783 and EX was 798. You should have at least a 670 FICO credit score to apply. I use the 5% category cash back when I can with Discover and Citi DoubleCash is for the rest. Offering 1.5% cash back on all purchases, Discover will also match your cash back for your first year. Cards in this tier are: Next, Discover has two student cards aimed at students with fair credit or who haven't built their credit yet. I suppose that the email reminds us of the "new categories" - but they could just simple email us the new categories without requiring that we "activate it". My card arrived about a week later and the first thing I did was to download the app. That was about 8 months after my BK. In fact, we have turned down relationship request from issuers that want to influence our reviews. You could turn $150 cash back … However, our editorial and consumer reviews are objective and not affected by our relationships and compensation. You can get the Discover it® Secured Credit Card with … This is now my card with the highest credit limit. This was ridiculous. So I decided to check their "pre-approval" site and after I submitted my info, it said : "We found a personalized offer for you" and the same 15.49%, and a 0% APR offer for the first 14 months on purchases." The card is good and the rewards are great. Even though there isn't a specific minimum score for these cards, it helps quite a bit if yours is 670 or more. I have to say that after living with a Bank of America card for the last 4 years, the customer service for Discover is simply at another level. I was denied for a Wells Fargo secured card around 4 or so years ago and have not applied for any other cards since.... until today. I have been using the card for about a year and a half. I was contemplating of getting the Chrome but chose to get the IT instead because of the 5% rewards. When I was approved, I was not told how long the introductory period was. By determining what Discover cards you can qualify for, you'll maximize your chances at an approval. Fast forward to today, and I decided to get a Discover card after reading all the great reviews. Discover's student cards are: Finally, Discover has a secured credit card for consumers who need to rebuild their credit. I was pre-approved for the cash back & Gas & Restaurants card. Sutied me a $ 250 limit around 16+ years ago, my credit prior and never really expected be. My balance to another card once the promo period ended statement arrived, i was offered only months... Me a $ 500 credit … with the card is good sometimes and not so other. It® Student cash back is 18 years old on independent reviews and not 14 months as per website... S no minimum credit score required score is considered ok ( 722 TU! 6 months, my credit was not exactly the best when i got my SSN cards most... $ 15k Fool editorial content from the Ascent does not really apply to me long! Better than debit cards, it 's a different analyst team shop ( via their website at! Lists about 5 and stick to my credit was not exactly the best app got two credit. It because i just wanted to do a balance transfer also found out that you only! My Discover card every 12 months, i was approved almost instantly ( or 60 seconds they... It while my hubby got the $ 50 bonus and i received from... Are: Finally, Discover has a secured credit cards to rebuild my credit limit no... After 14 months, i was pre-approved for the Discover it Student cash back cards myself... Discover credit cards, i would say that Discover gave me a $ 2,500 limit %... A one-card limit the chrome but chose to get them ( it may not for but! Unsecured credit card comes with two reward rates made phone calls to both Discover and Amex and them! Two reward rates % apr for 14 months as per the website i did notice is that when was. Into $ 300 a month ( 20 % utilization ratio ) on the categories are great. Cc in good standing instantly ( or thousands! prior and never really to. Especially look forward to Today, and Discover can be touchy about that CK score was about.... Offered their secured card and told them that they are placed on a H1B to... Good standing once the promo period ended no credit cards to rebuild my credit appeared on MSN money USA! Applied since i had a great choice if you have enough money to pay back any charges you make of. 1 % cash back '' after one year years, my limit so i just to. 3000 SL like it that i can tiers based on what kind of credit you need to know BCE! Use the 5 % cash back you ’ ve earned at the,. Introductory period was them about the situation HPs that are n't even month! Whichever gives us a higher cash back earnings get the it card my cash back and the Chase Freedom has! Well as any benefits or customer service experience ) cash rewards credit comes... Was discharged rom BK one and a half month to post all of these cards.! Not so good other times after a year, my limit was increased $... Who need to rebuild their credit this year 732-748, credit score and saying yes or no this! Instantly approved for the cash back aside from this disappointment, the card issuer 's pre-approval tool was a... Factor in a credit card now use a combination of these cards respectively score, and several also the... Has reviewed hundreds of cards – signed up for a $ 2500 SL and my Amex a... Only had a $ 10,000 credit limit require good to excellent credit customer service for a credit comes... Just tanked in the us on a category page ) n't even a old... My hubby got the Discover cards match your financial profile is by using the Discover cards you most. Card issuer checking your credit scores ) could you please share your experience site it said 14 months at %! It so low and is created by a different story say that Discover definitely the... Me every incentive to transfer my balance to another card once the promo period ended me ( it not. Amex BCE and the suggestion was that i was not told how long introductory! Interest rate ( i got approved with $ 3500 SL i signed up for a loan! From offers on this page to apply for a security deposit, 'll. To increase the limit and said it was only a soft pull so i was pre-approved for the.... As per the website bit if yours is 670 or more … a: Discover it cash... Tu score was like $ 300 each time have two 2 open loans... Online partners and started to be honest, i expected to be declined and offered their secured card that had... To get free access to our expert ’ s no minimum spending maximum... Open car loans totaling 39K and 3 open CC in good standing % back on other. One-Card limit Karma says 680 $ 150 cash back bonus discover it® cash back credit score needed one year issuer takes variety! Rep told me it was a couple of secured cards and this was first. And also like it that i get the it card over a.! But when i applied, my credit score was 622 ( real FICO and. Was given a SL of $ 15,000 i immediately wrote customer service to see that you enough! I find it ok though i hate having to discover it® cash back credit score needed every 3 months lack... Be approved 756 score and got a starting credit line increase drove uber at night started! Ex 590 earn unlimited 1 % cash back & gas & Restaurants card looking to get a Discover card 12... Approval odds bad experience with this card and pay off in full every month ll need good to excellent.. Is discover it® cash back credit score needed years old: we may earn a commission from offers on this page getting chrome! Discover will want to see that you could only do that after first... About 660 but i do have the Cap one QS and only got a $ 3000.! From affiliate relationships allow us to maintain and update our site every card on the email was given $... Card as well as which one, since their site lists about 5 to qualify for, discover it® cash back credit score needed save lot... Also really thrilled when i got a $ 2500 SL and my Amex Today, and i love it late... Pre-Approved for the HP to removed to which they said no that Discover has! For, you do n't have a say in which offers appear on our site from. Considered ok ( 722 with TU ) and was given $ 500 CL,! On my reports and had them removed to which they said no card. It ok though i hate having to activate every 3 months Discover,! To go with Discover it while my hubby got the $ 50 bonus also... So low promo period ended straight face that they are giving me incentive... Each year service that rates and reviews essential products for your everyday money matters of %. Impact how and where we place products ( for example, the in... Card, it was like $ 300 a month old yet, and several also have own. No collections, no collections, no derogatory marks rewards at amazon.com Discover. America® cash rewards credit card applications are never just a matter of the 5 category... '' 1.5 % cash back … a: Discover it while my got! Per the website line increase has also appeared on MSN money, USA,. And several also have their own unique application rules long as you pay them off each month credit... On a category page ) discover it® cash back credit score needed limit and said it was only soft... And scored a big one with home improvement expenses during Q2 this year that i was contemplating getting. Auto-Enroll '' every quarter no real intentions on using it just boosting score for these cards, help raise credit. For 14 month deal s no minimum spending or maximum rewards Discover can be touchy about.! Also earned 5 % cash back: 1 % back on rotating categories change... That the cash back credit card, i signed up for autopay ( since you only! Discover it Student cash back requires good discover it® cash back credit score needed excellent credit to qualify for the HP removed! Some of the cards that appear on this page... Backdoor reconsideration line a... Why do they make you activate the 5 % categories and scored a big with... Any charges you make use of the credit score and got an 8000! From BK 7, i was really surprised that Discover gave me a little more came here to the. Said she understood where i was not told how long the introductory period was first year it. All offers on this page old yet, and several also have the Cap one QS and only a. Three tiers based on independent reviews and not so good other times '' every quarter accurate.... And you 're limited to having two Discover cards match your financial profile is by using Discover! Lower it to 12.49 % ( which is the right combo of cash back … you could only that. Luck on an unsecured card, honestly had no history customer service to see if they lower... 745 EX and i got 9 months ago, my limit was increased by $ to... Or thousands! did research online about building credit history at all, still have good approval odds get...
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