You need a 700+ credit score to get most Discover credit cards, but there’s no minimum credit score needed for three Discover cards. You can get the Discover it® Secured Credit Card with a bad credit score (below 640). And college students don’t need a credit score, or any credit experience, to get one of Discover’s two student credit cards. But you need good or excellent credit for all the other offers, including Discover it® Miles and Discover it® Cash Back, two of the most popular options.
If you’re not sure how your credit is doing, you can check your latest credit score for free on WalletHub, the only site where credit scores and reports update daily.
Whether your finances aren’t so great or they’re right on track, you should be able to find a Discover card that works for you. Let’s take a look at Discover’s offers and what score you need to get approved.
Minimum Credit Score Needed for Discover Cards:
- Discover it® Secured Credit Card: No minimum score, will approve bad credit applicants
- Discover it® Student Cash Back: Available to applicants with limited or no credit
- Discover it® Student chrome: Available to applicants with limited or no credit
- Discover it® Cash Back: Good credit (700+) required
- NHL® Discover it®: Good credit (700+) required
- Discover it® chrome: Good credit (700+) required
- Discover it® Miles: Good credit (700+) required
There aren’t any Discover cards that flat-out require excellent credit, currently. But we recommend a score of at least 700, which is toward the top of the good range, for the cards that require good credit for approval. So most Discover cards may be a tough get for the average person, who has a credit score of 669.
With that being said, it’s not just your credit score you should worry about. For example, Discover will consider how your income compares to your debt, along with your employment status, whether you own or rent your home, how many loans and lines of credit you already have open, and more.