WalletHub, Financial Company
Your Discover it approval odds are good if you have a 700+ credit score; this means that you need at least good credit to qualify for most Discover it credit cards. There are, though, some Discover it credit cards that are easier to get.
For example, while it’s easy to say that the Discover it® Secured Credit Card offers good approval odds, the fact that most other Discover it cards require at least good credit for approval complicates things. Discover it approval odds aren’t the same for every applicant, either. Someone with perfect credit clearly will have a better chance at getting any Discover it card than someone with limited or bad credit, for instance.
Generally, besides a certain minimum credit score, issuers require applicants to have enough income or assets to pay the bill, in light of the existing debt obligations. But each credit card company analyzes the data a bit differently.
Here are the credit scores required for good Discover it approval odds:
- Discover it Secured Credit Card: Bad credit (below 640)
- Discover it® Student Cash Back: Limited History
- Discover it® Student chrome: Limited History
- Discover it® Cash Back: Good (700+) credit
- Discover it® Balance Transfer: Good (700+) credit
- Discover it® Miles: Good (700+) credit
- Discover it® chrome: Good (700+) credit
- NHL® Discover it®: Good (700+) credit
In general, the lower a credit card’s minimum credit score is, the higher your approval odds will be. So, the Discover it Secured Credit Card has the best approval odds in the Discover it family. If you don’t know your credit score, you can check it for free on WalletHub. WalletHub is the only website where credit scores and reports update daily.
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Lynne Riggs, Member
There's no such thing as a sure thing when it comes to credit card approval odds, but your best bet is to have really good credit. Definitely over 700.
I actually got approved for $1,250 with 646 from Experian. I went to the pre-approval page for the fun of since I've significantly boosted my score over the past year. To my surprise, I was approved!
Same. Got approved for discover it cash back card with 1k limit. 650 fico on discover scorecard and Experian app. Vantage score 680
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