Discover Pre-Approval – Credit Cards


Getting Pre-Approved With Discover

Life today is wired for simplicity. Getting a credit card is no different. What used to require a visit to the bank can now be completed entirely online. Discover offers customers the opportunity to review credit cards for which they meet approval criteria before completing a full application.

Discover offers a number of credit card options within their “it” family of credit cards. Here will will review the Discover Pre-Approval process as well as several of their most popular cards.

Discover IT Preapprove
Discover IT Family of Credit Cards

Why Get Pre-Approved?

Ensuring you are likely to be approved for a line of credit is a very smart financial decision. Completing a credit application which results in a declined decision will negatively impact your credit score. Your credit report will reflect the credit inquiry which can negatively impact your history.

A pre-approval with Discover does not impact your credit. The process is not reflected on your credit report. Unlike a full credit application, pre-approval decisions are based on “soft credit pulls”. These are not full inquiries and are not reflected on your credit report.

Discover will review your credit history and financials to determine if you are eligible for any of their credit cards. Cards offered range from options for individuals with poor credit, average credit, or great credit.

After completing the process you can review your card options before you apply for the card. If you are happy with the option you are approved for you can complete the full application at that time.

How To Complete Your Pre-Approval Review

As mentioned above, the entire process can be completed online. Customers will be asked to provide a variety of information to get a thorough pre-approval review. The following information will be requested:

  • Contact information (name, address, etc.)
  • School enrollment status
  • Financial details (gross income, rent/mortgage expense, etc.)
  • Your full social security number
  • The type of rewards you are interested in earning with your new card

As you can see, this is a very thorough review. Consumers will need to provide much of the information that is requested in a full application review. This will ensure that your approval is extremely likely for any card you are offered.

Even though you are asked to provide your full social security number, no hard credit review will be performed. Your review will have no impact on your credit score or credit history.

Popular Discover Credit Cards

The Discover it Cash Back

  • Earn 5% cash back on rotating categories (quarterly)
  • Earn 1% cash back on all other purchases
  • First year back back is matched 100%
  • Redeem cash back directly to your statement balance
  • No annual fee

The Discover it Miles Card

  • Earn 1.5 Miles with every dollar spent
  • First year 100% match for all miles earned
  • No blackout dates when redeeming your miles
  • Miles can be redeemed for cash or statement credit
  • No annual fee

The Discover it Student Cash Back Card

  • $20 good grade reward for maintaining a 3.0 GPA
  • Earn 5% cash back on rotating categories (quarterly)
  • Earn 1% cash back on all other purchases
  • All cash back earned your first year is matched
  • No annual fee

The Discover it Secured Card

  • Designed for consumers with poor credit
  • Security deposit is fully refundable
  • Earn 2% cash back with gas and dining ($1,000 in purchases each quarter)
  • Build credit and upgrade to an unsecured credit card overtime
  • No annual fee

Which Discover it Card Is Best For You?

Have you been pre-approved for a Discover it Card? The above cards are their most popular options. My personal choice is the Discover Miles Card. Customers will earn 1.5 miles for each dollar spent. This is the best overall return rate of the Discover Cards for customers who do not like to keep track of confusing rotating categories.

For students, the it Student Cash back is a fantastic option to begin building your credit while in school. Managing your credit at this time of your life can be hugely beneficial for the long run. The Student it Card is one of the best student credit cards and rewards students with cash for good grades.

A final popular option is the Discover it Secured. This card will require a security deposit (just like all secured cards). This is one of the best secured cards on the market. It offers cash back for dining and gas purchases which is nearly unheard of for secured credit cards. Customers have the option to build their credit and upgrade to an unsecured card.

Do you have a Discover Credit Card? Did you use their online pre-approval process? Let us know about your experience with Discover in the comments below!

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