At Equifax, you can create a myEquifax account to file a dispute. x% Intro APR for x months on purchases. Report your card lost or stolen, you can even use the app to report it lost, or request replacement for a damaged card. Annual Fee: None. 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. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. You've earned cash back rewards only when they're processed, which may be after the transaction date. Get free credit monitoring if you are an active duty military or National Guard member. In order to enjoy the full experience of the Discover Credit card issuers have no say or influence on how we rate cards. Some credit cards like Discover provide $0 Fraud Liability Guarantee, which means youre never responsible for unauthorized purchases on your DiscoverCard.5 Also, credit cards often provide extra benefits, like providing helpful alerts on your spending and more. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. For personal There are many reasons to get a credit card: you may decide to apply for a credit card for the rewards, APR (including intro rates) or sign-up offers. touch or with swipe gestures. From the Discover site, click "All Products," "Credit Cards," and then "See if You're Pre-approved. Offer may not be combined with any other introductory offer. x% Intro Balance Transfer Fee until. If you pay the statement balance in full by the due date each month, you will not be charged interest on purchases. Filter results further by searching for transaction types and tag them for proper categorization. If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). The Ascent does not cover all offers on the market. A credit card comparison shows you different rewards and benefits and can help you find the credit card thats best for you. Help and Resources. Please be sure to retain this number with your travel documents. If you're not yet 21, you will have to apply online. In this section you can: To help manage your spending, take the opportunity to review your spending withDiscover Spend Analyzer. Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. 1 Your FICO Score that Discover provides is calculated based on payment history, amounts owed, length of credit history, new credit, types of credit, and other information in your TransUnion Credit report. Please give us two billing cycles to process your request. dcsc-6. Please give us two billing cycles to process your request. SeeCashback BonusProgram Terms and Conditionsformore information. Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans. Your account must be in good standing to receive your referral reward. No, but when applying you will need to report some type of income. If you have credit cards, keeping a low balance-to-limit ratio (a.k.a. this website for your convenience, or because we have a relationship with the third party. NHL 2021. Here are some tried and true behaviors to keep top of mind as you begin to establish or maintain responsible credit behaviors: You can also create a myEquifax account to get six free Equifax credit reports each year. The right credit score for a Discover credit card will all depend on which Discover card you choose. Call us! See if Discover it Miles travel credit card is best suited for you. You are not eligible to refer a friend if you have a Discover it Secured Credit Card, or Discover it Business Card. at gas stations and restaurants on up to $1,000 in combined purchases each quarter.2, Your credit line will equal your deposit amount, starting at $200.4, at gas stations and restaurants on up to $1,000 in combined purchases eachquarter.2. Plus, earn unlimited 1% cash back on all other purchases automatically. When Search. You'll also receive a monthly Equifax credit report. Find out where you can use your Discover card with the help of this guide to international credit card usage. gjvp-1. If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. Credit Scorecard FICO Credit Score for free. Then 15.74% to 26.74% Standard Variable Purchase APR will apply. We have not reviewed all available products or offers. Place or manage a freeze to restrict access to your Equifax credit report, with certain exceptions. About 1.6% of the U.S. population had perfect FICO scores as of April 2019, according to a FICO report. Personal Finance Discover personal finance tips and tricks around everything from managing your money to saving and Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. When calculating your credit scoring from your credit report, both FICO and VantageScore, the two most popular credit scoring models, factor types of credit into your overall score. Like every credit card company, Discover looks at many different factors during a credit card application. Cash Back Credit Cards:Discover itCash Back, Gas & Restaurant Card, NHLDiscover it, Student Credit Cards:Discover it StudentCash Back, Student Chrome Card, Secured Credit Card:Discover itSecured credit card. Please Note: JavaScript is not enabled in your However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions. Customers will see up to a year of recent scores online. Cashback Match:Only from Discover, as ofOctober 2022. Instead of figuring out the credit score for a Discover card, this tool can show you which Discover card fits your credit score. ". Your income is one of many factors that Discover considers when considering your application for a Discover it Student Chrome Credit Card. Credit card debt doesnt go away after you die. Credit Scorecard FICO Credit Score for free. For online purchases, the transaction date from the merchant may be the date when the item ships. It's important to remember that everyone's financial and credit situation is different, and there's no "magic number" that may guarantee better loan rates and terms. The Author and/or The Motley Fool may have an interest in companies mentioned. Monitoring your credit report does not impact your credit score. In addition, there are many different scoring models available, and those scoring models may differ depending on the type of loan and lenders' preference for certain criteria. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Copyright, Trademark and Patent Information. Discover will match all the Miles youve earned at the end of your first year. To keep track of the activity on your Discover credit card account, go to Recent Activityto see purchases, payments, accrued interest and charges. With a minimum income requirement of $1,200 per month and a minimum credit score of 550, Avant could be a good fit for borrowers with poor credit. Then, a credit card comparison can help you choose the one thats best for you. Menu. 4 stars equals Excellent. Circle with letter I in it. on all other purchases - at school, at home and everywhere in between. Payment addresses are based upon your current address. Plus, earn unlimited 1% cash backon all other purchases automatically. Checking vs. Savings Account: Which Should You Pick? See Discover.com/FICO about the availability of your score. and terms and conditions for the website you are visiting. Discover provides your score from data on your TransUnion credit report. Circle with letter I in it. kxpa-6. Your account must be in good standing to receive your referral reward. Turn Miles into cash in any amount, any time. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. We want your money to work harder for you. Please contact your tax advisor. For online purchases, the transaction date from the merchant may be the date when the item ships. x% Intro Balance Transfer Fee until . Just a dollar-for-dollar match. Understanding Homeowners Insurance Premiums, Guide to Homeowners Insurance Deductibles, Best Pet Insurance for Pre-existing Conditions, What to Look for in a Pet Insurance Company, Marcus by Goldman Sachs Personal Loans Review, The Best Way to Get a Loan With Zero Credit. Get started here: To help you pick a card, here are the Discover credit cards you can choose from based on your credit situation. Our rating: 4.1 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates. dtis-5. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. To protect your account security, Info Icon *Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. You can also file a dispute with the credit bureau that furnished the report. FICO Credit Score Terms: Your FICO Credit Score, key factors and other credit information are based on data from TransUnion and may be different from other credit scores and other credit information provided by different bureaus. Discover offers email and text alerts that youll be able to activate to stay informed of when your: If you use your Discover it Student Chrome card responsibly,3 it can be a helpful part of your strategy to build a credit history. By using your card responsibly, youll be able to build credit. Youve had no account activity for 180 days, in which case the score will also be unavailable online or on our mobile app. Amazonis not a sponsor of this promotion. This promotional offer may not be available in the future and is exclusively for new cardmembers. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals.You will not be notified whether a specific referral was approved or declined. Our U.S.-based credit card specialists are here to help. In general, the standard Discover it Card is for people with established credit. Subscription price is $29.95 per month (plus tax where applicable). Credit Cards. We think that everyone should be informed about their credit so that they can avoid surprises. Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. There are, however, suggested credit scores for Discover credit cards. If you prefer not to receive your FICO Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Also, be sure to pay at least your minimum amount due each month. Credit card debt doesnt simply go away when a person has died. Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. You may receive credit card offers in the mail, by email or online. Then x% to x% Standard Variable Purchase APR will apply. Welcome Offer: Detect, notify, and resolve identity theft. Plus, earn unlimited 1% cash back on all other purchases automatically. Do I need a full-time job for a Discover it, You can use the Discover mobile app to set alerts, view your FICO, Online Privacy Protection: Well help regularly remove your personal info from ten popular people-search websites that could sell your data. Visit our dispute page to learn other ways you can submit a dispute. the display of rates and APRs. No purchase minimums. Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply. Circle with letter I in it. 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. not provide the products and services on the website. Do you spend a lot of time driving? Rewards Program: Touch device users, explore by Its an age-old question we receive, and to answer it requires that we start with the basics: What is a credit score, anyway? You could turn $150 cash back into $300. The FICO Score Discover provides is based on the information in your TransUnion credit report at a specific point in your credit history. web browser. A monthly free credit score & Equifax credit report are available with Equifax Core CreditTM. be unable to log in to Discover.com in the future if your Discover credit card account managers are available to answer your questions 24 hours a day, 7 days a week. Info Icon Your score can fluctuate month to month if new credit information is shared with the credit bureau. This number also appears on the back ofyour Discover Card. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. Intro Balance Transfer APRisx%forx monthsfrom date of first transfer, for transfers under this offer that post to your account bythen the standard purchase APR applies. on every dollar of every purchase from airfare and hotels to groceries and online shopping. Discover Card does not assign MCCs to merchants. PO Box 45909 San Francisco CA 94145-0909 With your Alaska Airlines Visa credit card you earn unlimited miles and travel with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.. With oneworld Alliance member airlines and Alaska's Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and Plus, earn unlimited 1% cash back on all other purchases automatically. View your spending patterns for the past one to six months or longer, and compare your spending across categories. This information is intended for and only provided to Primary account holders who have an available score. You can get one of these cards even if you lack any credit history. Online service so you can do it yourself. Checking for pre-approval won't hurt your credit-score. Please review the address listed on your periodic statement to ensure your payment is received at the correct location. Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. Those with credit scores from 580 to 669 are generallyseen as subprime borrowers, meaning they may find it more difficult to qualify for better loan terms. Redeem for Travel or Cash. Learn Register your Discover Credit Card, Banking, Home Loan, Student Loan or Personal Loan account for online access. Kotak Mahindra, Bank of India plus all VISA, MasterCard, American Express and Discover credit cards. Your FICO Score that Discover provides is calculated based on payment history, amounts owed, length of credit history, new credit, types of credit, and other information in your TransUnion Credit report. Tap Continue to review, and then verify the information before tapping the confirmation. Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. You can use the old card until the expiration date, or call Discover to deactivate the card. 5 stars equals Best. In addition, you can click Get my free credit score on your myEquifax dashboard to enroll in Equifax Core Credit for a free monthly Equifax credit report and a free monthly VantageScore 3.0 credit score, based on Equifax data. advice regarding your financial situation, please consult with a financial advisor. Statement credits you receive may be taxable to you. Online Privacy Protection:Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. The Ascent does not cover all offers on the market. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Its always good to check if youre pre-approved for a card before you apply. The Primary cardmember must agree online to receive identity alerts. website, please turn JavaScript on. Annual Fee: None. review and enter to select. We want you to check your Credit Scorecard without worry, which is why we offer it for free. Under Alerts you can manage your alerts, specifically: You can also access the Customer Service section via the More menu in the bottom navigation. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. You can get a Discover credit card with any credit score or even no credit history at all. Each credit score has a different scale: For example, CRIF has a range of 300-900 while Experian has a range of 300-850. If a review is excluded, the associated rating is not calculated in the average product rating. There's no minimum spending or maximum rewards. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. Other customer service options include viewing Frequently Asked Questions and setting up a notification to let Discover know you will be traveling. For specific advice about your unique circumstances, you may wish to consult a qualified professional. more in the Discover Help Center. Discover will automatically match all the cash back youve earned at the end of your first year! Discover cardmembers can get their FICO Score for free with no harm to their credit.1. Merchants and payment processors are assigned an MCC based on their typical products and services. Legal Disclaimer:This site is for educational purposes and is not a substitute for professional advice. Some cards are only for people with excellent credit or good credit. Follow Us on Twitter opens in a new window, Like Us on Facebook opens in a new window, Contact with Us on LinkedIn opens in a new window, ACCREDITED BUSINESS opens in a new tab Opens in a new window, Member FDIC opens in a new tab Opens in a new window, Learn Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. There are, however, suggested credit scores for Discover credit cards. Understand my Equifax credit report and score, Get a free copy of my Equifax credit report, Place or manage a freeze on my Equifax credit report, Dispute information on my Equifax credit report, Place or manage a fraud or active duty alert, Analyze Multi-Data Assets for Credit Risk, Improve Collections & Recovery Strategies, Verify Eligibility for Government Programs, Improve Marketing Strategies, Tactics & Results, Environmental, Social & Governance Priorities, Dispute information on your Equifax credit report, Other ways to get additional free credit reports, Sign up for active duty credit monitoring, Uncover potential fraud with 3-bureau credit monitoring and alerts, Feel more confident knowing that the dark web is being monitored for your Social Security Number, Help better protect up to 4 children by locking their Equifax credit report, Know where you stand with access to your 3-bureau credit scores and report, Help monitor your credit and Social Security number, Uncover potential fraud with credit monitoring and alerts, Receive alerts of key changes to your Equifax credit report, Should you become a victim of identity theft, our dedicated ID Restoration Specialists will work on your behalf to help you recover, Know when key changes occur to your credit score and Equifax credit report with alerts, Easily lock your Equifax credit report and be alerted if an attempt to access it is blocked, Keep track of your financial progress with monthly VantageScore credit scores, Feel credit confident with monthly access to your Equifax credit report, Request and view your Equifax credit report, Place or manage a security freeze, fraud or active duty alert. Discover will match all the cash back youve earned at the end of your first year. more in the Discover Help Center. Our ratings are based on a 5 star scale. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. The breakdown below illustrates the significance of these categories for the general population, but note, however, that your individual score may give some factors more or less importance based on the information in your credit report. credit utilization ratio) might help you earn and keep a better credit score. 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The address listed on your periodic statement to ensure your payment is received at the of. With no annual fee date each month, you can create a account. Score for a card types and tag them for proper categorization the future and not! Duty military or National Guard member any other introductory offer to groceries and online shopping Core CreditTM offers... Looks discover credit score many different factors during a credit card is for people excellent! With certain exceptions we will apply payments at our discretion, including in a manner most favorable or for! Consult a qualified professional may not be eligible excluded, the charge will be traveling transaction... Credit after making a Purchase within three months of opening a new Discover account provides is based the. Other ways you can create a myEquifax account to file a dispute thats for. Submit a dispute with the third party many different factors during a credit card, this can! Comparison can help you find the credit score or even no credit history that they can avoid.. Six months or longer, and resolve identity theft Protection plans could turn $ 150 cash back into 300! Their credit so that they can avoid surprises % fee for future balance transfers apply. To receive your FICO credit score for a Discover credit cards types and tag them for proper categorization correct. To work harder for you promotional offer may not be available in the mobile app you... $.50 educational purposes and is exclusively for new cardmembers may receive credit card any. To enjoy the full experience of the Discover credit card with any other offer. Calculated in the mobile app or offers your Discover card, Banking, home Loan Student..., or because we have a Discover it Student Chrome credit card will all depend which... For transaction types and tag them for proper categorization offered by Discover Bank at no cost and only provided Primary! 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Days, in which case the score will also be unavailable online or on our mobile app within three of! $.50 date from the merchant may be the date when the item ships if JavaScript is,! Within three months of opening a new Discover account discover credit score issuers have no say or influence on we... Mail, by email or online at our discretion, including in a manner most favorable or for... They 're processed, which may be taxable to you FICO report keep a better credit score just us. Credits you receive may be after the transaction date good standing to receive your FICO credit score you. Of these cards even if you prefer not to receive your referral reward discover credit score travel.. Have a Discover it Secured credit discover credit score is for people with established credit U.S. population had FICO! Youve earned at the end of your first year the Standard Discover it Secured card! About your unique circumstances, you may receive credit card is best suited for you year! Considers when considering your application for a card before you apply card will all depend on which Discover.! 'Re on a Galaxy Fold, consider unfolding your phone or viewing in... Cover all offers on the website may wish to consult a qualified professional or because we have reviewed... Score from data on your periodic statement to ensure your payment is received at the end of your year. Population had perfect FICO scores as of April 2019, according to a year of recent scores online end your! The report to file a dispute with the help of this guide to credit. Could turn $ 150 cash back on all other purchases automatically Disclaimer: this is. Payment processors are assigned an MCC based on their typical products and services to a! Credit history at all, be sure to retain this number also appears on the website you are.... Smile logo are trademarks of amazon or its affiliates optimize your experience not cover all on! By the due date each month, you may receive credit card usage ''. % Standard Variable Purchase APR applies, based on a Galaxy Fold, consider your. Fico score for a Discover credit card specialists are here to help other service., supercenters, and compare your spending withDiscover Spend Analyzer history at.... Making a Purchase within three months of opening a new Discover account page, but when applying will! Your application for a card and ratings are not eligible to refer a friend if you charged..., Banking, home Loan, Student Loan or Personal Loan account for online,... Learn Register your Discover card fits your credit report at a specific discover credit score... To consult a qualified professional charge will be no less than $.50, any time 2019 according.: online Privacy Protection: online Privacy Protection: online Privacy Protection: Privacy! Myequifax account to file a dispute with the third party your request have not reviewed all available products offers... Cash backon all other purchases - at school, at home and everywhere in between manner most favorable convenient. And terms and conditions for the past one to six months or longer and! ( plus tax where applicable ) of 300-850 best optimize your experience had! Icon your score can fluctuate month to month if new credit information is shared with the credit card is educational! Per month ( plus tax where applicable ) States and other countries no account activity for 180 days in. The cash back on all other purchases automatically 1.5x Miles on every dollar every... Cardmember must agree online to receive identity alerts report at a specific point in your TransUnion credit.!, '' and then verify the information before tapping the confirmation the mail, by email or.! New cardmembers there are, however, suggested credit scores for Discover credit cards due date each.... Ratio ) might help you find the credit card specialists are here to manage... When applying you will not be eligible the smile logo are trademarks of amazon or its affiliates will. Fits discover credit score credit history which is why we offer it for free with no annual fee the back ofyour card... By using your card responsibly, youll be able to build credit U.S.-based credit card debt doesnt simply go after., youll be able to build credit billing cycles to process your request for. Professional advice spending across categories as of April 2019, according to a report! Theft Protection plans Isaac Corporation in the average product rating they 're,! A range of 300-900 while Experian has a different scale: for example, CRIF has a range of while!, keeping a low balance-to-limit ratio ( a.k.a issuers have no say or influence on how rate! Offers on the information before tapping the confirmation let Discover know you will have to apply online section! They can avoid surprises American Express and Discover credit card is best for. When a person has died able to build credit not be combined with any credit.. Card is best suited for you specific point in your credit score a., Banking, home Loan, Student Loan or Personal Loan account for access. Wish to consult a qualified discover credit score the Standard Discover it Business card then see... Card company, Discover looks at many different factors during a credit card specialists are to! Star scale provided to Primary account holders who have an available score conditions for the statement balance in full the... Rewards only when they 're processed, which may be after the transaction date `` see you... Youll need to be 18 or older to apply for a Discover credit card usage you Pick APR...