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How to prequalify for Discover credit cards
Find out if a Discover card is right for you.
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Discover allows you to prequalify for its credit cards. This means Discover will do a soft pull on your credit — which doesn’t affect your credit score — to see if you meet the approval requirements.
Once prequalified, you can see your potential APR and the cards for which you have high chances of approval. Keep in mind, requesting prequalification doesn’t mean you have applied for a card, nor that approval for one is guaranteed.
How to prequalify for a Discover credit card?
- Navigate to the prequalification page on Discover’s website.
- 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.
- In the What card benefit is most important to you? dropdown, select Cash Back, Travel Rewards, Balance Transfer or Other.
- Agree to Discover’s terms and click Check now.
Note: Discover calls the credit card prequalification process a pre-approval process.
How to prequalify yourself
You could try and run a prequalification yourself, although this won’t have the same effect as the official Discover prequalification process.
The first step is to check your credit score. Experian, Equifax and TransUnion let you get a free credit score copy once every 12 months. If this is not an option, check with your bank or with other services that offer free credit score access.
If you have a good credit score of 670 or higher, chances are you could prequalify for most Discover credit cards. But don’t despair if your credit score is lower than that. Discover offers a secured credit card for those with a poor credit score. Using this card can help you improve your credit score and eventually get a better card.
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.
Using Discover’s prequalification service, 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.
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