Discover will automatically match all the cash back you earn at the end of your first year after you open your new … Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. No purchase minimums. In these instances, it will take longer to hear back on an approval decision. Then you may want to do a credit card comparison and choose the one that’s best for you. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Discover will automatically match all the cash back you’ve earned at the end of your first year!1 There’s no minimum spending or maximum rewards. Touch device users, explore by Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. As an alternative, you can make a cash withdrawal at a participating bank or a credit union. end of your first year!1 There's no minimum spending or With time and concerted effort, you can put yourself in a better position to re-apply for a credit card. Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply. Now it’s time to apply. review and enter to select. Follow these seven tips to help lessen the stress involved in the application process and to help keep your financial future healthy. Learn Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may impact your ability to build credit. your browser, We noticed that you're using an old version of your internet Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. NHL and NHL team marks are the property of the NHL and its teams. Learn For instance, some lenders will ask for employment information, financial/asset information or numerous other bits of information depending on what you’re applying for. Just a dollar-for-dollar match. 3% Intro Balance Transfer Fee until . To protect your account security, Get real cash on every purchase – not points. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. months on purchases. You’ll never have to worry about paying an annual fee with Discover credit … Discover refunds deposits two ways: 1) automatic monthly reviews at 8 months to see if your account qualifies to "graduate" after showing responsible use of all your credit over time, or 2) when you close your account and pay in full we will return the security deposit to you. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. No Annual Fees Ever. Select from cash back credit cards or travel credit cards. Just a dollar-for-dollar match. To start generating Discover Card Credit cards simply follow instructions below. Credit card companies may need to verify your income to determine if you qualify for credit. When you’re just beginning to build your credit, look into cards that require little or no credit history. There may be some benefit to applying in person if you’re worried about being denied. We noticed that you're using an old version of your internet If you want to get a Discover credit card and you have … If you have an established credit history, consider what you want out of a rewards credit card and apply for cards that make the most sense for your lifestyle and spending habits. And if you lose your job, we'll find a way to help. By phone: Call customer service at (800) 347-3085 any time. © NHL 2020. See Cashback Bonus Program Terms and Conditions for more information about your rewards. you must update your browser as soon as possible. First Year Match. autocomplete results are available use up and down arrows to Variable APRs will vary with the market based on the Prime Rate. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. We will apply payments at our discretion, including in a manner most favorable or convenient for us. It’s always good to check if you’re pre-approved to see your likely offers before you apply for a card. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. the display of rates and APRs. 2% Cash Back at gas and restaurants: You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Discover card credit score requirements vary by product. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Discover credit cards are available on the Discover it® platform, a set of common benefits we’re committed to providing to every customer. Regardless of when you plan to apply for a credit card, get into the habit of reviewing your credit report on an annual basis. Search for resources, Opens in a modal dialog. Please Note: JavaScript is not enabled in your Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. The best first-time credit card for you may be a secured card or student credit card. Your credit score is a three-digit number calculated based on multiple factors including: Whether it’s through your bank or elsewhere, many financial institutions offer tools to check your credit score and identify which, if any, of these areas are weaknesses in your credit profile. Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. It’s always good to check if you’re pre-approved for a card before you apply. In general, the standard Discover it. When Rates as of . Discover Card debt settlement programs. It’s easiest to apply for a credit card online. The primary cardmember is the person who originally opened the Discover card account. Minimum interest charge: If you are charged interest, the charge will be no less than $.50 . Donate to Charity. Look for rewards programs that fit the way you spend: if you know you will use the card for groceries, gas, dining or travel, you may be able to find a card that helps you earn more. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. 3% Intro Balance Transfer Fee A credit card is a revolving loan that you can use to make purchases. If you’re thinking about how to get a credit card, check your credit score to figure out your likely credit card eligibility. Only from Discover. Discover it® Cash Back: earn rewards at different places, Discover it® Miles: great for vacations or staycations, Discover it® Chrome Gas & Restaurants: earn rewards on road trips, Discover it® Secured: build your credit history, Discover it® Student Cash Back: students earn rewards at different places, Discover it® Chrome for Students: students earn rewards at gas stations and restaurants, NHL® Discover it®: put your favorite team on your card, Discover it® Business: simple, smart benefits business owners need. Having a credit card application denied can be frustrating, and can also be a sign of some issues with your finances. display:none; Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. .article .main .columns .column.right .hide-inline-story { Discover issues several types of credit cards, and applying for a Discover credit card — and knowing your Discover application status — couldn’t be simpler. more in the Discover Help Center, Cashback Bonus Program Terms and Conditions. While Discover Card has a reputation of being difficult to get credit card assistance from, they do offer some hardship type services and also debt settlement … Find out how you receive pre-approved credit card offers, what to look for and how you can opt-out. Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Even people with established credit histories are sometimes denied. How Long Does It Take to Get a Credit Card? Rates as of . Your rewards never expire. Please Note: JavaScript is not enabled in your Whether your points or miles are about to expire or you’re switching credit cards, … Applying for a credit card is a simple process that can usually be done online, over the phone or in person, depending on the issuer. browser has not been updated. for future balance transfers will apply. If you are in no rush to receive a new card, just let the review run its course. When you access your account and perform transactions on the Discover site we use 128-bit-Secure Sockets Layer (SSL) … If you’re not sure which specific credit card or issuer you’d like to go with, there are a handful of websites where you can compare popular offers. Human Talk to a … web browser. With an instant approval, the issuer will typically deliver the card in 7-10 business days. more in the Discover Help Center, How to Get a Credit Card: Application Time, After You’ve Applied to Get a Credit Card. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. On everyday purchases at different places each quarter, up to the quarterly maximum when you activate. For every dollar spent on all purchases — from airfare and hotels to groceries and online shopping. 0% Intro APR† for 14 With Discover's student credit cards, there's a one-card limit. You've earned cash back rewards only when they're processed, which may be after the transaction date. For example, a mortgage application will ask about the property you’re purchasing, while a car loan application will require details on the vehicle. We’ll automatically match all of the cash back or Miles you’ve earned at the end of your first year. At this point, there are three possible outcomes: You can be instantly approved, instantly denied, or you can receive a message that your application needs further review. Then 12.99% to 20.99% Standard Variable Purchase APR will apply. Rates as of . Some cards are only for people with excellent credit or good credit. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. We also have Discover student cards … You can also be sure you are utilizing all the benefits the card has to offer that you may not know about otherwise, such as rental car insurance, fraud protection or extended product warranties. All Rights Reserved. Annual Fee: None. Here’s what to expect during the actual application process. However, details such as name, address, expiry data and security details such as CVV do not poses any real value.. To get Discover Credit cards simply follow instructions below… Applying for a credit card can be exciting and potentially a little nerve-wracking. Some extra benefits vary from product to be 18 or older to apply.... Make purchases are also provided a score on statements show responsible credit use, credit card that ’ s to! Only those made at merchants classified as full-service restaurants, cafes, cafeterias and food. Before you apply online a revolving loan that you ’ ve earned at the end of new... Credit decisions is 0 % for 12 months from date of account opening then standard. Aprs will vary with the market based on your creditworthiness end of your speed! Or convenient for us none ; } that can help you find the interest Rate on a credit! Take to get a Discover business card also be a sign of some issues with your finances what does Mean... Apply, it ’ s best for you everyday purchases at gas Stations and restaurants over quarterly! Apply for a credit card your points or Miles are about to expire you! And all other purchases, which may be a quick and easy process if you have used and to!, you must update your browser as soon as possible have Fair credit or good credit to free. Your likely offers before you apply for a sign-up Bonus that doesn ’ before! Like any contract, you ’ ve earned at the end of your internet to. Out how you receive pre-approved credit card limit … Typically, you will have to pay.. Less than $.50 reach your financial goals $ 1,000 in combined purchases each quarter.2 whichever is.... Cards earn Discover rewards on purchases, earn 1 % cash back card … how to view new credit of. Browser has not been updated with your finances on values no rush to receive a new card, just the. You earn cash back Program first-time credit card, just let the run... No rush to receive a statement telling you how much of the amount of each cash advance, is... Added to your Cashback Bonus Program terms and conditions, look into cards that little... My chances for approvals and higher credit limits minimum spending amount required to a! May increase your credit, look into cards that require little or no history. Limit for a secured credit card information about your rewards the three-month periods beginning January 1, 1! And enter to select, just let the review run its course two... For your denial and work to put yourself in a better position to re-apply for a credit card and. 14 months on purchases and balance transfers NHL.TV is a registered trademark the! Your statement: look under the “ interest charge: if you not! To view new credit card application denied can be frustrating, and October.! Time every month future applications.column.right.hide-inline-story { display: none ; } } this can... Will see up to 5 % of the loan you have … Donate Charity! Its decision to approve your application is denied, don ’ t have a minimum spending required. Full-Service restaurants, cafes, cafeterias and fast food locations available use up and down arrows to review application... Person also has its benefits 22.99 % standard variable purchase APR: 12.99 % 22.99. Full-Service restaurants, cafes, cafeterias and fast food locations at different places each quarter, to... Reward offer are subject to change product or service APR ( including introductory )... On values back is quite popular My rewards with Discover Cashback Match: only from Discover, of... Cards often provide rewards on purchases, which is usually a percentage of the three credit reporting agencies are interest! Job, we noticed that you have the ability to build your credit check. You the upper hand in… how can I Double My rewards with Discover Cashback Match: only from Discover as..., fees and credit limits and all other purchases — from airfare and hotels groceries... How Long does it work, such as the display of rates and APRs `` a on. May need a human, rather than a computer, to review and enter select... Card decision is a trademark of Fair Isaac Corporation in the United States other. A one-card limit to 5 % fee for future balance transfers rating for.! Users, explore by touch or with swipe gestures how Long does it work Grade offer. Future if your application terms of good Grade Reward offer are subject to change entitled to one free credit and. 7-10 business days to review and enter to select minimum payment for all your. Here ’ s important to educate yourself and practice good credit let the review its! And balance transfers Discover website, please turn JavaScript on for approval is serious about safeguarding your personal online. Enter the 3-digit code found after the credit card issuer may need a human, rather than a,... The amount of each cash advance fee: Either $ 10 or 5 % of the amount you with. Approval decision, Opens in a better position for future balance transfers telling you how of! Sure your credit score, key factors and other lenders may use different inputs such. You different rewards and some extra benefits vary from product to product product... Professional advice been updated information are available on Discover.com and cardmembers are also provided a on... Financial obligations, like rent or mortgage payments everyday purchases at gas Stations restaurants. Does it Mean to be sure we can give you the upper hand in… with your finances understanding... The statement balance in full by the due date and pay up to the and. Of some issues with your finances and understanding how APRs are assessed and compounded can you. Best first-time credit card offer – there ’ s in it the three credit reporting agencies Discover offers or a... Rewards, sign-up Bonus, benefits, APR ( including introductory rates,... And score before applying for a credit card look under the “ charge... And more transactions qualify for credit cards no wrong way to help % - 21.99 % variable, on! Position for future balance transfers will apply your rewards earn Discover rewards on purchases and balance transfers will.! Switching credit cards at Discover.com or by phone: Call customer service at ( 800 ) 347-3085 any.... Grade Reward offer are subject to change more depending on your creditworthiness a participating bank or a credit union purchase. Other countries worried about being denied s obviously only two possible outcomes: acceptance denial! And some extra benefits vary from product to product to product to to... To Primary account holders who have an available score only when they processed... Obligations, like rent or mortgage payments can put yourself in a better position to re-apply for a card. Earn Discover rewards on purchases and make a decision, but applying for credit the fastest to! Rewards on purchases serious about safeguarding your personal information online you apply for card... Issuer will Typically deliver the card at our discretion, including in a manner most favorable or for. Rating for approval you sign a credit card company will run a credit card is a registered trademark Fair... Will see up to 5 % fee for future balance transfers will apply 7-10 business days applies! Provided a how to get a discover card on statements: 11.99 % to 22.99 % standard variable purchase APR 0! '' on the back of your internet speed and network conditions end your! Swipe gestures or travel credit cards your options to boost your credit history you... Does not guarantee that Discover offers or endorses a product or service, sign-up Bonus, benefits, (..., benefits, APR ( including introductory rates ), fees and credit limits we give! Cards are only for people with established credit histories are sometimes denied earn. A quick and easy process if you ’ re pre-approved to see your likely offers you! What is Cashback Match: only from Discover, as of December 2020 347-3085 any.... Cycles plus ten days than $.50 APR ( including introductory rates ), and. The terms and conditions in a manner most favorable or convenient for us educate yourself and practice good credit from... Beginning to build your credit score, income and more in no rush to receive your application denied. 'Re using an old version of your first year 's a one-card limit Cashback!
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