![]() How Can I Receive Approval for a Discover Credit Card? Prequalification will not hurt your credit score, but a prequalification does not guarantee approval for a card. Perhaps the simplest way to apply for a Discover card is to visit the company’s website, but prospective cardholders can also call Discover and apply over the phone.ĭiscover also offers a pre-qualification tool on its website where potential cardholders can provide personal information and see if they’re likely to receive approval. On the other hand, the Discover card no longer offers many benefits that you might be accustomed to receiving from your credit card, such as rental car insurance, purchase protection and extended warranty coverage.Īpplying for a Discover credit card is much like applying for any other credit card. You can also use your Discover card to receive cash at checkout from a number of major retailers, without incurring cash advance fees or paying a higher interest rate. Other benefits include access to your free FICO® score, as well as a suite of tools to help prevent fraud and identity theft. This means that at the end of your first year of membership, Discover will take all eligible points earned and match that, essentially doubling all your rewards. These cards share many of the same features and benefits including no annual fee, no foreign transaction fees and no penalty fee on your first late payment.ĭiscover it cards offer cash-back rewards, and all cards are eligible to receive the Cashback Match at the end of your first year. Several years ago, the Discover Card unified all of its products under the “Discover it” brand, which is essentially a platform for all of its cards. ![]() ![]() Read Forbes Advisor’s full review of the Discover it® Cash Back to learn more. A balance transfer fee of up to 5% of the amount transferred applies. Then, a standard rate of 16.74% - 27.74% variable applies. The card offers a 0% introductory APR for 15 months on purchases and eligible balance transfers. Other Benefits and Drawbacks: Historically, the Discover it® Cash Back’s categories have included restaurants, drug stores, grocery stores, gas stations, Amazon and other options generally popular among U.S.-based spenders. There's no minimum spending or maximum rewards. Welcome Offer: Discover will automatically match all the cash back earned at the end of the first year as a cardmember. Plus, earn unlimited 1% cash back on all other purchases – automatically. Rewards: Earn 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Discover is accepted nationwide by 99% of the places that take credit cards.īig spenders and those who can maximize the 5% cash-back categories with the Discover it® Cash Back can earn ample rewards, especially in the first year where rewards are doubled.Then 16.74% to 27.74% Standard Variable Purchase APR will apply. 0% intro APR for 15 months on purchases.However you redeem, Miles keep the same value. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. Turn Miles into cash in any amount, any time.Redeem Miles to pay any part of your monthly bill, including your minimum payment.Automatically earn unlimited 1.5x Miles on every dollar of every purchase – with no annual fee.There’s no signing up, no minimum spending or maximum rewards. For example, if you earn 35,000 Miles, you get 70,000 Miles. UNLIMITED BONUS: Only Discover gives you unlimited match of all the Miles you’ve earned at the end of your first year. ![]() Click through to Discover’s website to see terms and conditions.0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.74% – 26.74% applies.No annual fee and build your credit with responsible use.Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data.Earn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.There’s no minimum spending or maximum rewards. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. INTRO OFFER: Unlimited Cashback Match – only from Discover.
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