Opening a Discover Card Open Account – Benefits, Approval Odds & Tips

What is Discover Card Open Account?

Discover Card is one of the major credit card companies in the United States. A Discover card open account refers to applying for and opening a new credit card account with Discover.

Overview of Discover Card

Discover Financial Services launched in 1985 as a subsidiary of Sears. Today, Discover is the fourth largest credit card issuer in the US, behind Visa, MasterCard, and American Express. Discover offers credit cards, banking, loans, and other financial services.

Discover credit cards are accepted by over 99% of merchants in the US. They offer robust rewards programs, introductory APR offers, and various card options including cash back, travel, student, and secured cards. Discover is known for excellent customer service and transparency with no hidden fees.

Benefits of Discover Card Open Account

Opening a Discover credit card account comes with several advantages:

No Annual Fee

Most Discover consumer credit cards do not have an annual fee, so you can keep your account open long-term with no yearly cost. This makes Discover a budget-friendly option.

Cashback Rewards

Discover offers new cardmembers generous cashback rewards on purchases. For example, the Discover It Cash Back card offers 5% cashback on rotating quarterly categories and 1% on all other purchases. These rewards can add up quickly.

0% Intro APR

Many Discover cards come with a 0% introductory APR on purchases and balance transfers for 12-18 months. This intro period allows you to pay down balances interest-free over time.

How to Open a Discover Card Account

If you decide Discover is the right card issuer for you, here is how to open an account:

Eligibility Requirements

To qualify for a Discover card, you’ll need:

  • Good to excellent credit (680+ FICO score)
  • Verifiable income source
  • Be 18+ years old
  • Have a Social Security number
  • Have a US residential address

Application Process

You can apply for a Discover card on their website or mobile app. The application will request personal and financial information to determine eligibility. This includes:

  • Name, birthdate, and contact info
  • Income, housing payment, and employment details
  • Social Security number
  • Review and agree to terms and conditions

The entire application takes 5-10 minutes to complete.

Approval Odds

Discover approves applications from those with FICO scores of 680 or higher. However, your income, existing credit accounts, and credit utilization also factor in. Those new to credit may need to start with a secured Discover card before graduating to an unsecured line of credit.

Tips for Using Your New Discover Card

Once approved, here are some tips for making the most of your new Discover account:

Make Payments on Time

Always pay at least the minimum due each month before the due date. Set up autopay or payment reminders to help build your credit through on-time payments.

Use it Responsibly

Don’t overspend just because you have available credit. Keep utilization below 30% and pay balances in full each month to avoid interest charges.

Check Your Credit Score

Discover provides free FICO scores on each statement to monitor your credit health. You can also access reports and alerts.

Redeem Rewards

Use your cash back, Miles, or other rewards towards statement credits, gift cards, donations, and more to maximize the value you get from your Discover card.

Frequently Asked Questions

Is there a fee to open a Discover card?

No, Discover does not charge an account opening or annual fee for most of their consumer credit cards. This makes it budget-friendly to open and keep a Discover account.

What is the minimum credit score for Discover?

You can qualify for a Discover card with a minimum credit score of 680. Those with scores below 700 may need to start with a secured card before graduating to an unsecured line of credit.

Does Discover do a hard inquiry?

Yes, Discover will perform a hard inquiry when you apply for a new account. This involves checking your credit report which may temporarily lower your score.

How long does it take to get approved for Discover?

Discover typically provides an instant decision on credit card applications made online or via mobile. You’ll know if you’re approved within minutes of submitting.

Can I product change my Discover card?

Yes, Discover allows cardholders to product change to a different card after the account has been open for at least 12 months. This allows you to switch to a different rewards structure.


Opening a Discover credit card account can be a great way to access rewards, 0% APR intro offers, and excellent customer service. Discover approves applicants with good to excellent credit of 680+ and has straightforward eligibility requirements. Be sure to use your new card responsibly by paying on time, keeping low balances, and redeeming rewards. With no annual fee, a Discover card can provide long-term value.

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