The best Discover card for fair credit is Discover it® Student Chrome because it has a $0 annual fee and gives 1 - 2% cash back in rewards, depending on the purchase category. Discover it Student Chrome, which is available to students with limited or fair credit, also doubles the rewards cardholders earn the first year.
Similarly, Discover it® Student Cash Back is another good choice for students with fair credit. It has a lot of the same features, but gives up to 5% cash back on purchases in bonus categories that change each quarter and require quarterly activation. There’s a quarterly limit applied to those bonus rewards, too.
Finally, as a fallback option, there’s the Discover it® Secured Credit Card. It’s intended for people with limited or bad credit, but it still offers good rewards and low fees. Discover does not offer any general-purpose credit cards for people with fair credit specifically.
The minimum credit score needed to get most Discover credit cards is 700 or above. That being said there are a few Discover cards for which there’s no minimum credit score requirement. 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 at least good credit for all the other offers,...
The best Discover card for bad credit is definitely the Discover it® Secured Credit Card. In fact, it’s really the only Discover card that you can count on getting despite a bad credit score. Here’s how it works: When you apply, you place a security deposit of at least $200, which will become your credit line if you’re approved. This refundable deposit acts as collateral for Discover, reducing their risk.
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Indigo® Mastercard® for Less than Perfect Credit and NHL® Discover it®
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