What's the Discover it Miles credit score requirement?

This question is about the Discover it® Miles

Lisa, Member

@LisaInCali 02/23/20 This answer was first published on 02/23/20. 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 approved with a 645 TU in January 2020. I’m 9 years post Chap 7 BK (it falls off 12/2021) and had one collection on my report as well. I was shocked I got approved. I do have high income and jumbo mortgage so maybe that helped?

Credit line was very low at $1250. If you have a good income and TU of mid-600s, I say throw the dice. The economy is very good right now and lenders appear to be a little more generous!!!

JAMIE THOMPSON, Retired Accountant

@ExTaxMan 05/29/19 This answer was first published on 05/29/19. 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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The Discover it Miles credit score requirement is 700 or higher. That means an applicant will need at least good credit to have high odds of approval. The Miles card’s credit score requirement is the same as that of most other Discover cards, including Discover it Cash Back and Discover it Chrome.

Some cardholders report getting Discover it Miles and other Discover cards with scores below 700, but take such testimonials with a grain of salt. Not all applicants’ situations are the same. Also, understand that a credit score of 700 or higher won’t guarantee you approval for the Discover it Miles card. It is a crucial component that carries significant weight when an application is under review, but Discover will also take several other factors into account. Those include annual income (and sources of that income), employment status and your monthly housing payment. Discover also evaluates applicants’ current debt level, payment history and more.

If you’re approved for Discover it Miles, you’ll have access to a great travel credit card. It gives 1.5 miles per $1 spent on all purchases, and you can redeem those miles for one cent apiece toward travel purchases with no blackout dates. There’s also an introductory APR of 0% for 14 months on purchases.

Plus, Discover it Miles offers some perks common to all Discover cards, including a $0 annual fee and no foreign transaction fee. Discover will also match all the miles you earn during the first year on your first account anniversary. Not bad for a travel card that requires good credit.

If you don’t qualify for Discover it Miles, you can always apply for the Discover it Secured Card. You’ll have high odds of being approved, even with bad credit. The card comes with all the standard Discover card features, including a first-year cash back match.

People also ask

What's the Discover It credit score requirement?

Discover It® credit score requirements actually vary widely because there are a number of different Discover it credit cards. The Discover it® Miles card requires good or excellent credit, for example, while even people with bad credit can get the Discover it® Secured Credit Card.

Here is the complete list of Discover it credit score requirements:… read full answer

Good Credit: Discover it® Cash Back

Good Credit: Discover it® Miles

Good Credit: Discover it® chrome

Good Credit: NHL® Discover it®

Limited Credit: Discover it® Student Cash Back

Limited Credit: Discover it® Student chrome

Bad Credit: Discover it® Secured Credit Card

The Discover it student and secured cards are among the best offers available to people with limited and bad credit, respectively. In fact, Discover it® Secured Credit Card is one of the only secured cards offering rewards.

You can learn more about these offers from WalletHub’s review of the best Discover cards. And you can see which Discover it credit score requirements you’re able to meet by checking your latest credit score for free on WalletHub. Only WalletHub has free credit scores and reports that are updated on a daily basis. And we’ll give you personalized advice for how to improve your standing.

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What is the best Discover travel card?

The best Discover travel card is the Discover it® Miles card because it offers unlimited 1.5 miles per $1 spent on all purchases. Discover also matches all miles earned during the first year. Discover miles are worth 1 cent in travel each, and cardholders can use their miles to pay for any travel purchase made with the card. Cardholders can also book travel accommodations on Discover’s travel portal using miles, with no blackout dates or restrictions. Plus, the Discover it Miles card has a $0 annual fee and a 0% foreign transaction fee.… read full answer

Discover it® chrome is another good Discover travel card, especially for road-trippers. It offers 2% cash back on $1,000 spent at gas stations and restaurants each quarter, plus 1% back on all other purchases and a first-year rewards match. Discover it chrome also has a $0 annual fee and a 0% foreign fee.

All Discover cards can be useful for travel. That’s because Discover is one of the few issuers to not charge foreign transaction fees on any credit cards.

Best Discover travel cards

Discover it® Miles – Best for travel overall

Discover it® chrome – Best for gas and dining

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Is Discover a good credit card?

Discover is a good credit card company because there are Discover cards for people of all credit levels, and all of them have $0 annual fees and $0 foreign transaction fees. Plus, Discover cards all reward cardholders with at least 1% back on purchases and will match new cardholders’ earnings from the first year as an anniversary present. Most Discover cards also offer 0% introductory APRs on purchases and balance transfers.… read full answer

Discover cards are known for their 100 percent U.S-based customer service, and Discover has very few customer complaints with the Consumer Financial Protection Bureau. There are also user-friendly features such as “Freeze it,” which allows cardholders to temporarily turn off their card to prevent any unauthorized transactions. And Discover provides free monitoring to make sure customers’ Social Security numbers don’t show up on risky websites.

Reasons Discover is a Good Credit Card Company:

Discover has cards for people of all credit levels, from bad to excellent.

Discover cards do not charge annual fees or foreign transaction fees.

All Discover cards match your first year’s rewards.

Discover has highly regarded customer service.

Different Discover cards are good for different people, though. Discover has offers for cash back, travel, balance transfers, bad credit, students and more. One of the best options is Discover it® Cash Back. It offers 5% cash back on the first $1,500 spent per quarter in rotating spending categories that require activation. It also gives 1% cash back on everything else.

The Discover it® Student Cash Back and Discover it® Student chrome are attractive choices, too. Both cards offer students $20 statement credit for a 3.0 GPA or higher every year for up to five years, in addition to better ongoing cash back rates than the average credit card offers. And applicants with bad credit can get 1 - 2% cash back on purchases with the Discover it® Secured Credit Card.

While all Discover cards are pretty good, there are some downsides. In 2018, Discover cut several key benefits from all of its cards. Those include travel accident insurance, purchase protection, extended warranties and return protection. And as far as global acceptance goes, you can use Discover cards at merchants in around 190 countries and territories. That’s third behind Mastercard and Visa. Both are accepted in more than 200 countries and territories.

But overall, Discover credit cards combine some innovative perks and attractive rewards into a single package. And since they don’t charge annual fees or foreign transaction fees, the cards’ rewards go right to you. Those are just a few reasons why Discover cards are good credit cards in general.

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