What are the minimum Discover it Cash Back credit score requirements?

Question

A 700+ credit score is needed to get most Discover credit cards, but there’s no minimum credit score needed for a few 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 at least good credit for all the other offers, including Discover it® Miles and Discover it® Cash Back, two of the most popular options. Some Discover offers listed here are not currently available on WalletHub and may be out of date.... read full answer

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.

Here’s the minimum credit score needed for each Discover card:

Discover it Secured Credit Card: No minimum score, applicants with bad credit are eligible for approval (below 640).

Discover it® Student Cash Back: Available to applicants with limited credit (less than 3 years of credit history).

Discover it® Student chrome: Available to applicants with limited credit (less than 3 years of credit history).

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 credit range, for the cards that require 700 credit for approval.

With that being said, it’s not just your credit score you should worry about. For example, Discover will consider other factors, such as 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.

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Answer 1 · 2023-03-23 21:39:43

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Daniel Phaneuf, Member

@phdaniel77 • 03/23/23 This answer was first published on 03/13/20 and it was last updated on 03/23/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Discover it® Cash Back credit score requirement is 700+. That means applicants need at least good credit to get the card. This credit score requirement is in line with most other cards that Discover offers, as well as comparable cash back credit cards from other issuers. The higher an applicant’s credit score is above 700, the more likely they are to be approved for the Discover it Cash Back credit card. But your credit score is far from the only factor Discover will consider during the approval process.

In addition to a 700+ credit score, applicants for Discover it Cash Back will also need to have a steady income. Discover will also consider the applicant’s recent credit inquiries, the number of credit lines or loans they have open, their monthly housing payment and more. Plus, you won’t be approved if you already have two open Discover cards. That’s the maximum.

It may be possible to get a Discover it Cash Back card with a credit score below 700 if other factors, such as your income, balance out your profile, according to anecdotal reports. If you want to get a better idea of your odds of approval for a Discover it Cash Back card, you can use Discover’s online pre-approval tool. Fill in some personal information like your name, address, income and date of birth, and you’ll be shown a list of any Discover cards you have a high chance of qualifying for, along with links to apply. Pre-approval won’t hurt your credit score, but actually applying will cause a small drop.

Answer 2 · 2019-12-20 14:47:04

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Jordan, Member

@jordymcbell • 12/20/19 This answer was first published on 12/19/19 and it was last updated on 12/20/19.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Just got approved for a $1,500 credit limit cash back match card with a score of 633.

Answer 3 · 2022-02-19 20:31:14

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jovanyg_1, Member

@jovanyg_1 • 02/19/22 This answer was first published on 02/19/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Just got approved for a $5,000 CL with 0% intro 15 months with A balance transfer option. 669 credit score FICO. 2/18/2022

Answer 4 · 2021-01-28 18:46:06

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Gus Betts, Member

@abore • 01/28/21 This answer was first published on 01/28/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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I was just approved with no credit histories, so it’s probably reasonable to get it as a student with a decent checking account

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