How to prequalify for Discover credit cards | finder.com
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How to prequalify for Discover credit cards

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Find out if a Discover card is right for you.

Unlike most providers, Discover allows you to prequalify for its cards. Just submit your personal and financial information, then Discover will determine your approval odds for their credit cards.

Compare Discover credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
14.24% to 25.24% variable
0% for the first 14 months (then 14.24% to 25.24% variable)
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
$0
14.24% to 25.24% variable
10.99% for the first 14 months from date of first transfer (then 14.24% to 25.24% variable)
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
intro annual fee for the first year ($0 thereafter)
14.24% to 25.24% variable
0% for the first 14 months (then 14.24% to 25.24% variable)
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
$0
25.24% variable
10.99% for the first 6 months (then 25.24% variable)
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
$0
15.24% to 24.24% variable
10.99% for the first 6 months (then 15.24% to 24.24% variable)
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.

Compare up to 4 providers

What does prequalification mean?


During prequalification, you’ll submit personal information such as your name, Social Security number and annual income. The provider will initiate a soft pull on your credit. If it prequalifies you, it means you’re a good candidate for one of its products.

Though prequalification will give you a good idea of your chances, it doesn’t guarantee approval. When you apply for a card, the provider will check your credit with a hard pull, and you can still be denied after this process.

What’s the difference between a soft pull and a hard pull?

Think of a soft pull like a background check. It gives a provider a quick sense of whether you’re generally a fit for certain products. A soft pull won’t lower your credit score.

A hard pull is a credit check as a result of your card application. It will usually lower your credit score by a few points, though your score should rebound as you consistently make on-time payments.

What are the benefits of Discover’s prequalification?

  • See prequalification results quickly. You’ll see suggested cards within a few minutes of submitting your information to Discover.
  • Better approval odds. Approval is never guaranteed, but prequalification will give you a better idea of where you stand.
  • Won’t affect your credit. Discover will run a soft pull on your credit. This won’t lower your credit score.
  • No obligation to apply for a card. Submitting a prequalification request doesn’t bind you to submitting a card application. You’re free to shop around with other providers before you decide.

How do I get prequalified for a Discover credit card?

  1. Navigate to the prequalification page on Discover’s website.
  2. Complete the prequalification form with information such as your name, address, total annual gross income, monthly housing payment, date of birth and Social Security number.
  3. In the What card benefit is most important to you? dropdown, select Cash Back, Travel Rewards, Balance Transfer or other.
  4. Agree to Discover’s terms and click Check now.

Strongly consider one of the cards you’ve prequalified for if you want a Discover product.

Think twice before submitting an application for a card you may want but haven’t yet prequalified for. You may want to raise your credit score first.

Bottom line

Using Discover’s prequalification tool, you can find suggested cards and get a better idea of your approval odds.

If you’re not sure a Discover card is right for you, consider another prequalifying provider such as Chase or American Express.

Frequently asked questions

Kevin Joey Chen

Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and build credit responsibly. Kevin has written across many personal-finance niches at finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers. In his spare time, he likes to travel, read and play poker.

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