What Credit Score Is Needed to Be Approved for Discover It Card?

What Credit Score Is Needed to Be Approved for Discover It Card?

Credit scores play a crucial role in determining your eligibility for various financial products, including credit cards. If you’re considering applying for a Discover It Card, you may wonder what credit score is needed to increase your chances of approval. In this article, we will explore the credit requirements for obtaining a Discover It Card and provide you with some frequently asked questions to guide you through the process.

Discover It Card Overview:

The Discover It Card is a popular choice among consumers due to its attractive rewards program, low fees, and excellent customer service. With its cashback rewards, zero annual fee, and a host of other benefits, the Discover It Card has become a sought-after credit card for many individuals.

Credit Score Requirements:

Discover Financial Services does not explicitly disclose the minimum credit score required to be approved for their Discover It Card. However, it is generally recommended to have a good credit score to enhance your chances of approval. A good credit score usually falls within the range of 670 to 739.

While a good credit score is desirable, it does not guarantee approval. Other factors, such as income, debt-to-income ratio, and credit history, also play a significant role in the decision-making process. Therefore, even if your credit score is lower than the recommended range, you may still be approved based on other positive aspects of your financial profile.

Factors Affecting Credit Approval:

1. Credit History: Lenders review your credit history to assess your repayment behavior. A longer credit history with consistent, on-time payments can boost your chances of approval.

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2. Credit Utilization Ratio: This ratio represents the amount of credit you’re using compared to your total available credit. Keeping this ratio low demonstrates responsible credit management and can positively impact your creditworthiness.

3. Payment History: Consistently paying your bills on time and avoiding late payments or delinquencies significantly improves your creditworthiness.

4. Income: Lenders may consider your income to determine your ability to handle credit responsibly. A higher income can be seen as a positive factor, as it suggests you have the means to pay off your debts.

5. Debt-to-Income Ratio: This ratio measures the amount of debt you have relative to your income. A lower debt-to-income ratio indicates better financial stability and can improve your approval chances.


1. Can I be approved for a Discover It Card with a low credit score?
While a good credit score is typically recommended, Discover evaluates multiple factors when considering your application. Therefore, it is possible to be approved with a lower credit score, although it may result in a higher interest rate or a lower credit limit.

2. What if I don’t have a credit history?
If you are new to credit and do not have a credit history, you may consider applying for a secured credit card or becoming an authorized user on someone else’s credit card to establish credit. Discover offers secured credit cards that can help you build credit history.

3. How long does it take to get approved for a Discover It Card?
The approval process typically takes a few minutes. However, in some cases, Discover may need additional information and could take longer to review your application.

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4. Can I check my credit score before applying?
Yes, Discover offers a free credit score check through its Credit Scorecard service, even if you are not an existing customer. This allows you to assess your creditworthiness and make an informed decision before applying.


While Discover Financial Services does not explicitly disclose the minimum credit score required for a Discover It Card, having a good credit score significantly increases your chances of approval. However, remember that credit score is just one of the many factors considered during the application process. By maintaining a positive credit history, managing your debts responsibly, and understanding the factors that affect credit approval, you can improve your chances of obtaining a Discover It Card and enjoy its numerous benefits.