Free Credit Score — FICO® Credit Score Card

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data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-secured-67-60.png"/> <div>Discover it® Secured<span class="short_disc">Build or rebuild your credit</span> </div> </a> </li> <li> <a href="/credit-cards/travel/?ICMPGN=SUBNAV_CCP_MILES" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it® Miles Travel Credit Card blue design" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-miles-67-60.png"/> <div>Discover it® Miles<span class="short_disc">Explore with the travel rewards credit card</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/cash-back/chrome.html?ICMPGN=SUBNAV_CCP_IT_CHROME" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it® Chrome Gas and Restaurants Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-67-60.png"/> <div>Discover it® Chrome<span class="short_disc">Earn restaurant & gas rewards</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/cash-back/nhl-card.html?ICMPGN=SUBNAV_CCP_NHL" target="_self" data-lazy="true"> <img class="cardImg" alt="NHL® Discover it® Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-nhl-67-60.png"/> <div>NHL Credit Card<span class="short_disc">Represent your team & earn cash back</span> </div> </a> </li> </ul> </li> <li class="heading_li withArrow" data-src="cards-1"> <a href="javascript:void(0)" class="credit-list-opener new_menu preventDefaultBehaviour" data-analytics-label="subnav_ccf" id="expand_menu_icon" aria-expanded="false"> <span>Credit Cards by Feature</span><em class="plus-icon"></em></a> <ul class="credit-card-list sec-nav-mobile" role="list"> <li class="preapprovedImg"> <a href="https://www.discovercard.com/application/preapproval/initial/?ICMPGN=SUBNAV_CCF_PQ" data-lazy="true" target="_self"> <img class="panel-banner-image" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-card-351-103.png?imbypass=true" alt="Click this banner to see if you're Pre-approved"/></a> </li> <li> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_CCF_ALL" target="_self" data-lazy="true"> <img class="allCardImg cardImg" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> <div>All Credit Cards</div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/cash-back/?ICMPGN=SUBNAV_CCF_CASHBACK" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-dollor-match-28-24.svg"/> <div>Cash Back Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/balance-transfer-credit-cards/?ICMPGN=SUBNAV_CCF_BALANCE_TRANSFER" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-transfer-32-25.svg"/> <div>Balance Transfer Credit Card Offers </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/student-credit-card/?ICMPGN=SUBNAV_CCF_COLLEGE_STUDENTS" target="_self" data-lazy="true"> <img class="cardImgf" alt="map icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> <div> Credit Cards for College Students </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/credit-cards-for-no-credit/?ICMPGN=SUBNAV_CCF_CREDIT_CARDS_FOR_NO_CREDIT" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-checkmark-28-24.svg"/> <div>Credit Cards for No Credit History </div> </a> </li> <li class="cardImgli"> <a href="/credit-cards/secured-credit-card/credit-cards-to-build-credit/?ICMPGN=SUBNAV_CCF_BUILD_CREDIT" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> <div>Credit Cards to Build Credit </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/no-annual-fee-credit-cards/?ICMPGN=SUBNAV_CCF_NO_ANNUAL_FEE" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-zero-32-25.svg"/> <div>No Annual Fee Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/rewards-credit-cards/?ICMPGN=SUBNAV_CCF_REWARS_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rewards-32-25.svg"/> <div>Rewards Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/low-intro-apr-credit-cards/?ICMPGN=SUBNAV_CCF_LOW_INTEREST" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rate-down-32-25.svg"/> <div> Low Interest Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/gas-credit-cards/?ICMPGN=SUBNAV_CCF_GAS_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-gas-32-25.svg"/> <div>Gas Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/instant-use-credit-cards/?ICMPGN=SUBNAV_CCF_INSTANT_USE_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-instant-use-24-26.svg"/> <div>Instant Use Credit Cards </div> </a> </li> </ul> </li> <li class="heading_li withArrow" data-src="cards-1"> <a href="javascript:void(0)" class="credit-list-opener new_menu preventDefaultBehaviour" data-analytics-label="subnav_tar" id="expand_menu_icon" aria-expanded="false"> <span>Tools and Resources</span><em class="plus-icon"></em></a> <ul class="credit-card-list sec-nav-mobile" role="list"> <li class="preapprovedImg"> <a href="https://www.discovercard.com/application/preapproval/initial/?ICMPGN=SUBNAV_TAR_PQ" data-lazy="true" target="_self"> <img class="panel-banner-image" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-card-351-103.png?imbypass=true" alt="Click this banner to see if you're Pre-approved"/></a> </li> <li> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_TAR_ALL" target="_self" data-lazy="true"> <img class="allCardImg cardImg" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> <div>All Credit Cards</div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/calculator/credit-card-interest-calculator/?ICMPGN=SUBNAV_TAR_CALCULATOR" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-calculator-28-24.svg"/> <div>Credit Card Interest Calculator </div> </a> </li> <li class="cardImgli"> <a href="https://www.discovercard.com/application/website/invite?ICMPGN=SUBNAV_TAR_RESPOND_MAIL_OFFER&flavor=it&fpp=true&_ga=2.50907437.584696215.1676279870-557086243.1675411694" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-mail-28-24.svg"/> <div>Respond to Mail Offer </div> </a> </li> <li class="cardImgli"> <a href="https://www.discovercard.com/application/self-service/?page=check-status&ICMPGN=SUBNAV_TAR_CHECK_APPLICATION_STATUS" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-device-28-24.svg"/> <div>Check 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data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-two-cards-32-25.svg"/> <div>Compare Credit Cards </div> </a> </li> </ul> </li> </ul> <a href="#" class="custom-focus panel-ax-bottom">.</a> </nav>  </div> </div> </header> <section id="navTabs" class="one-column-new earn-cashBack-comp scrolltracking"> <div class="one-column__background theme-background" style="opacity: calc(100 / 100)"></div> <div class="one-column__container"> <div class="one-column__container__parsys parsys-content">  <div class="tabs"> <ul class="tabs-list"> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_ccp" data-href="#tab1">Credit Card Products</a> <div id="tab1" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial/?ICMPGN=SUBNAV_CCP_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img alt="Three Discover It Cards Stacked" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-allcards-67-60.png"/> </li> <li class="nav_element-text"> <a href="/credit-cards/?ICMPGN=SUBNAV_CCP_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Cash Back Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-cash-back-67-60.png"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/it-card.html?ICMPGN=SUBNAV_CCP_IT" target="_self">Discover it® Cash Back</a> <span class="short_disc">Earn cash back rewards</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Student Cash Back Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-cash-back-67-60.png"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/it-card.html?ICMPGN=SUBNAV_CCP_STUDENT_IT" target="_self">Discover it® Student Cash Back</a> <span class="short_disc">Start building credit in college</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Student Chrome Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-67-60.png"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/chrome-card.html?ICMPGN=SUBNAV_CCP_STUDENT_CHROME" target="_self">Discover it® Student Chrome</a> <span class="short_disc">Earn restaurant & gas rewards as a student</span> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Secured Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-secured-67-60.png"/> </li> <li class="nav_element-text"> <a href="/credit-cards/secured-credit-card/?ICMPGN=SUBNAV_CCP_SECURED" target="_self">Discover it® Secured</a> <span class="short_disc">Build or rebuild your credit</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Miles Travel Credit Card blue design" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-miles-67-60.png"/> </li> <li class="nav_element-text"> <a href="/credit-cards/travel/?ICMPGN=SUBNAV_CCP_MILES" target="_self">Discover it® Miles</a> <span class="short_disc">Explore with the travel rewards credit card</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Chrome Gas and Restaurants Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-67-60.png"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/chrome.html?ICMPGN=SUBNAV_CCP_IT_CHROME" target="_self">Discover it® Chrome</a> <span class="short_disc">Earn restaurant & gas rewards</span> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="NHL® Discover it® Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-nhl-67-60.png"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/nhl-card.html?ICMPGN=SUBNAV_CCP_NHL" target="_self">NHL Credit Card</a> <span class="short_disc">Represent your team & earn cash back</span> </li> </ul> </div> </div> </div> </div> </li> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_ccf" data-href="#tab2">Credit Cards by Feature</a> <div id="tab2" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial/?ICMPGN=SUBNAV_CCF_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_CCF_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-dollor-match-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/?ICMPGN=SUBNAV_CCF_CASHBACK" target="_self">Cash Back Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-transfer-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/balance-transfer-credit-cards/?ICMPGN=SUBNAV_CCF_BALANCE_TRANSFER" target="_self">Balance Transfer Credit Card Offers</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="map icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/?ICMPGN=SUBNAV_CCF_COLLEGE_STUDENTS" target="_self"> Credit Cards for College Students</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-checkmark-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/credit-cards-for-no-credit/?ICMPGN=SUBNAV_CCF_CREDIT_CARDS_FOR_NO_CREDIT" target="_self">Credit Cards for No Credit History</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> </li> <li class="nav_element-text"> <a href="/credit-cards/secured-credit-card/credit-cards-to-build-credit/?ICMPGN=SUBNAV_CCF_BUILD_CREDIT" target="_self">Credit Cards to Build Credit</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-zero-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/no-annual-fee-credit-cards/?ICMPGN=SUBNAV_CCF_NO_ANNUAL_FEE" target="_self">No Annual Fee Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rewards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/rewards-credit-cards/?ICMPGN=SUBNAV_CCF_REWARS_CREDIT_CARDS" target="_self">Rewards Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rate-down-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/low-intro-apr-credit-cards/?ICMPGN=SUBNAV_CCF_LOW_INTEREST" target="_self"> Low Interest Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-gas-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/gas-credit-cards/?ICMPGN=SUBNAV_CCF_GAS_CREDIT_CARDS" target="_self">Gas Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-instant-use-24-26.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/instant-use-credit-cards/?ICMPGN=SUBNAV_CCF_INSTANT_USE_CREDIT_CARDS" target="_self">Instant Use Credit Cards</a> </li> </ul> </div> </div> </div> </div> </li> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_tar" data-href="#tab3">Tools and Resources</a> <div id="tab3" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial/?ICMPGN=SUBNAV_TAR_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_TAR_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-calculator-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/calculator/credit-card-interest-calculator/?ICMPGN=SUBNAV_TAR_CALCULATOR" target="_self">Credit Card Interest Calculator</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-mail-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discovercard.com/application/website/invite?ICMPGN=SUBNAV_TAR_RESPOND_MAIL_OFFER&flavor=it&fpp=true&_ga=2.50907437.584696215.1676279870-557086243.1675411694" target="_self">Respond to Mail Offer</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-device-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discovercard.com/application/self-service/?page=check-status&ICMPGN=SUBNAV_TAR_CHECK_APPLICATION_STATUS" target="_self">Check Application Status</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-paper-pen-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/card-smarts/?ICMPGN=SUBNAV_TAR_CARD_SMARTS" target="_self">Card Smarts Articles</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/getting-a-credit-card/?ICMPGN=SUBNAV_TAR_GETTING_A_CARD" target="_self">- Getting a credit card</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/using-your-credit-card/?ICMPGN=SUBNAV_TAR_USING_YOUR_CARD" target="_self">- Using your credit card</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/credit-card-rewards/?ICMPGN=SUBNAV_TAR_CARD_REWARDS" target="_self">- Credit card rewards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://discover.promo.eprize.com/discoversweeps24/?ICMPGNid=site-sch-pro-dis-nav&affiliate_id=site-sch-pro-dis-nav" target="_self">Discover® Scholarship Sweepstakes</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/free-credit-score/#fico-score/?ICMPGN=SUBNAV_TAR_FREE_CREDIT_SCORE" target="_self">Free Credit Score for Cardmembers</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-two-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/compare/?ICMPGN=SUBNAV_TAR_COMPARE" target="_self">Compare Credit Cards</a> </li> </ul> </div> </div> </div> </div> </li> </ul> </div>  </div> </div> </section> </div> </div> </div> </div> </div> </div> <div class="emergencybanner aem-GridColumn aem-GridColumn--default--12"> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="twocolumntile cmp-p-50 two-column--padding-horizontal-none light-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="two-column two-column--50-50 two-column--content-left two-column__background theme-background scrolltracking"> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class="two-column__content-half"> <div class="cmp-title theme-background cmp-title__text-heading cmp-title--orange"> <h1 id="title--1546150749" class="cmp-title__text">Free Credit Score with a Discover<sup>®</sup> Card</h1> </div> <div class="cmp-title theme-background theme-white-background-gradient cmp-alignment--left cmp-title_text-headingcontent cmp-dark-blue-font"> <h2 id="title-1897813394" class="cmp-title__text">See if you're</br> pre-approved for a Discover Card</h2> </div> <div class="cmp-text "> <p>It's fast, easy, and doesn't harm your credit score to check if you’re pre-approved. If you accept a pre-approval offer, we'll help you <span class='no-break'>apply.<sup><a aria-label="10" class="disclosure" data-analytics-label="Tooltip:10" data-scrollto="q10" href="javascript:void(0);">10</a></sup></span></p> </div> <div class="parsys-content"> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--opaque-orange "> <a class="cmp-button " href="https://www.discovercard.com/application/preapproval/initial?iq_id=PRMCSPPQLP" target="_self" data-analytics-label="CHECK_NOW_TOP_BTN"> <span class="cmp-button__text"> Check Now <span class="sr-only"> </span> </span> </a> </div> </div> <div class="title"> <div class="cmp-title theme-background cmp-title_text-subheading-var cmp-no-underline "> <h2 id="title-1251976347" class="cmp-title__text"><a aria-label="No annual fee" class="disclosure" data-analytics-label="NO ANNUAL FEE" data-scrollto="terms-and-conditions" href="javascript:void(0);">No annual fee</a></h2> </div> </div> <div class="text"> <div class="cmp-text "> <p>There's no annual fee for any Discover Card.</p> </div> </div> </div> </div> <div class=" two-column__content-half--image "> <div class="parsys-content-two"> </div> <div class="two-column__foreground-image"> <div class="cmp-image "> <div class=" " data-lazy="false"> <img alt="Stack of 3 Discover it® Credit Cards" src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-freecreditscore-card-art-642-658.png"/> </div> </div> </div> <div class="parsys-content"> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="twocolumntile cmp-p-50-0 content-padding-50 cmp-alignment--lg-left-sm-left theme-light-gray-background-gradient light-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='fico-score' class="two-column two-column--50-50 two-column--content-right two-column__background theme-background scrolltracking"> <div class="quarter-glow-curve-top-left" data-lazy="true"> <img alt="Inward Curve" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/curves/curve-semi-glow-bottom-right-191-191.svg"/> </div> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class=" two-column__content-half--image "> <div class="parsys-content-two"> </div> <div class="two-column__foreground-image"> <div class="cmp-image "> <div class=" " data-lazy="false"> <img alt="Discover Credit Scorecard example" src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-freecreditscore-fico-scorecard-img-485-507.png"/> </div> </div> </div> <div class="parsys-content"> </div> </div> <div class="two-column__content-half"> <div class="cmp-title theme-background cmp-alignment--left cmp-title_text-headingcontent "> <h2 id="title-738174482" class="cmp-title__text">FICO<sup>®</sup> Score <br>for Free</h2> </div> <div class="cmp-text "> <p>Viewing your Credit Scorecard will never impact your FICO<sup>®</sup> <span class='no-break'>Score.<sup><a aria-label="1" class="disclosure" data-analytics-label="Tooltip:1" data-scrollto="q1" href="javascript:void(0);">1</a></sup></span></p> <p> </p> <p>Already a cardmember?</p> <p><a><u></u></a><a href="https://portal.discover.com/customersvcs/universalLogin/ac_main" data-analytics-label="FICO:LOGIN"><span class="cmp-text-underline">Log in</span></a> <span class="cmp-text-underline"></span>for free access to your FICO<sup>®</sup> credit scorecard</p> </div> <div class="parsys-content"> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="twocolumntile cmp-p-50-0 two-column--padding-horizontal-none light-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='earnrewards' class="two-column two-column--50-50 two-column--content-left two-column__background theme-background scrolltracking"> <div class="two-column__image--fullbleed "> <div class="cmp-image "> <div class=" " data-lazy="false"> <img alt="woman stands up through car sunroof waving her hat with a rocky desert landscape around her" src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-freecredit-gettyimages-750-950.webp"/> </div> </div> </div> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class="two-column__content-half"> <div class="cmp-title theme-background cmp-alignment--left cmp-title_text-headingcontent cmp-dark-blue-font"> <h2 id="title-2043707231" class="cmp-title__text">You earn rewards, we match it all at the end of your first year</h2> </div> <div class="cmp-text "> <p>We automatically match all of the cash back or Miles that you've earned at the end of your first year. There is no limit to how much we'll <span class='no-break'>match.<sup><a aria-label="2" class="disclosure" data-analytics-label="Tooltip:2" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span></p> <p> </p> <p><b data-rte-class="rte-temp"><b data-rte-class="rte-temp"><span class="checkmarked"><b>If you earn $150 cash back, we’ll give you another $150.</b></span></b></b></p> <p><span class="checkmarked"><b>If you earn 35,000 Miles, we’ll give you another 35,000 Miles.</b></span></p> <p> </p> <p>Plus, you'll earn rewards on every purchase and your rewards never <span class='no-break'>expire.<sup><a aria-label="3" class="disclosure" data-analytics-label="Tooltip:3" data-scrollto="q3" href="javascript:void(0);">3</a></sup></span></p> </div> <div class="parsys-content"> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="onecolumntile cmp-alignment--left theme-dark-blue-background-gradient dark-theme cmp-p-50 one-column--inward-curve one-col-tile-compare-table aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='checkingpq' class="one-column one-column__container__image--icon cmp-fullwidth scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--1953692631" class="cmp-title__text">Checking to see if you’re pre-approved is fast, easy and won’t impact your credit <span class='no-break'>score<sup><a aria-label="10" class="disclosure" data-analytics-label="Tooltip:10" data-scrollto="q10" href="javascript:void(0);">10</a></sup></span></h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--opaque-orange "> <a class="cmp-button " href="https://www.discovercard.com/application/preapproval/initial?iq_id=PRMCSPPQLP" target="_self" data-analytics-label="CHECK_NOW_MIDDLE_BTN"> <span class="cmp-button__text"> Check Now <span class="sr-only"> </span> </span> </a> </div> </div> </div> </div> </section> </div> <div class="quarter-circle quarter-circle-top-left theme-orange-background-gradient" data-lazy="true"> <img alt="Inward Curve" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/curves/curve-semi-discover-glow_top-left-274-274.svg"/> </div> </div> <div class="onecolumntile theme-white-background-gradient light-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent cmp-dark-blue-font"> <h2 id="title-1714914112" class="cmp-title__text">The security features you expect from Discover</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--center cf-list--text-over-image cf-list--one-color-block-1 cf-list--sm-carousel"> <div class="cf-list scrolltracking" data-is-carousel="true">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-carousel cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" alt="Activate and we’ll send you an alert if your Social Security number is found on any of thousands of Dark Web sites." data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-freecreditscore-group-21-315-315.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading">Activate free Social Security Number Alerts</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p>Activate and we’ll send you an alert if your Social Security number is found on any of thousands of Dark Web <span class='no-break'>sites.<sup><a aria-label="4" class="disclosure" data-analytics-label="Tooltip:4" data-scrollto="q4" href="javascript:void(0);">4</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-freecreditscore-group-22-315-315.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading">Turn your account on/off with Freeze it<sup>®</sup></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p>If you misplace your card, you can prevent new purchases, cash advances, and balance transfers in seconds with the Freeze it<sup>®</sup> on/off switch on our mobile app and <span class='no-break'>website.<sup><a aria-label="5" class="disclosure" data-analytics-label="Tooltip:5" data-scrollto="q5" href="javascript:void(0);">5</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-freecreditscore-group-24-315-315.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading">$0 Fraud Liability Guarantee</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p>You're never responsible for unauthorized purchases on your Discover <span class='no-break'>Card.<sup><a aria-label="6" class="disclosure" data-analytics-label="Tooltip:6" data-scrollto="q6" href="javascript:void(0);">6</a></sup></span></p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> </div> </div> </section> </div> </div> <div class="twocolumntile cmp-p-50 two-column--padding-horizontal-none theme-light-gray-background-gradient light-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='onlineprivacy' class="two-column two-column--50-50 two-column--content-left two-column__background theme-background scrolltracking"> <div class="two-column__image--fullbleed "> <div class="cmp-image "> <div class=" " data-lazy="false"> <img alt="woman reclines in a large hammock while listening to music on headphones" src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-freecreditscore-getty-images-720-540.webp"/> </div> </div> </div> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class="two-column__content-half"> <div class="parsys-content"> <div class="image"> <div class="cmp-image "> <div class=" " data-lazy="false"> <img src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-freecreditscore-group-10-80-80.png"/> </div> </div> </div> <div class="title"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title-1389158762" class="cmp-title__text">Online Privacy Protection</h2> </div> </div> <div class="text"> <div class="cmp-text "> <p>Discover gives you more control over your personal information online by regularly helping you to remove it from at least 10 people-search sites that could sell your data. It’s free, activate with the Discover <span class='no-break'>app.<sup><a aria-label="7" class="disclosure" data-analytics-label="Tooltip:7" data-scrollto="q7" href="javascript:void(0);">7</a></sup></span><br /> </p> </div> </div> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="onecolumntile one-column--medium-title-width-var1 light-theme cmp-p-75 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--1916778843" class="cmp-title__text">Standout customer service</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--icon cf-list-3-icons"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-freecreditscore-service-phone-35-35.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading">100% U.S. Based Customer Service, available 24/7 <sup><a aria-label="9" class="disclosure" data-analytics-label="Tooltip:9" data-scrollto="q9" href="javascript:void(0);">9</a></sup></div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-secured-credit-card-88-88.svg"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading">Request free overnight shipping to replace a lost <span class='no-break'>card<sup><a aria-label="8" class="disclosure" data-analytics-label="Tooltip:8" data-scrollto="q8" href="javascript:void(0);">8</a></sup></span></div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-freecreditscore-service-chat-35-35.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-subheading"> <div class="cf-list__item-element-value cmp-title_text-subheading">Message a U.S.-based agent to get your questions answered</div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> </div> </div> </section> </div> </div> <div class="twocolumntile cmp-p-75 content-padding-75 two-column--padding-horizontal-none cmp-alignment--lg-left-sm-center theme-dark-blue-background-gradient dark-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="two-column two-column--40-60 two-column--content-right two-column__background theme-background scrolltracking"> <div class="two-column__image--fullbleed "> <div class="cmp-image "> <div class=" " data-lazy="true"> <img alt="Discover Credit Card Designs" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-freecreditscore-cards-742-722.png"/> </div> </div> </div> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class="two-column__content-half"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--192844017" class="cmp-title__text">Which Discover Card design fits your style?</h2> </div> <div class="cmp-text "> <p>Choose from colorful card designs when you apply to become a card member. Go ahead, express yourself.</p> </div> <div class="parsys-content"> </div> <div class="two-column__cta-container"> <div class="cmp-button--cta cmp-button--cta--opaque-orange "> <a class="cmp-button " href="https://www.discovercard.com/application/preapproval/initial?iq_id=PRMCSPPQLP" target="_self" data-analytics-label="CHOOSE_DESIGN_APPLY_NOW_BTN"> <span class="cmp-button__text"> See if You're Pre-Approved <span class="sr-only"> Choose a card with beautiful landscapes, vibrant colors and more when you get a Discover card. </span> </span> </a> </div> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="onecolumntile one-column--medium-2-width cmp-alignment--left light-theme cmp-p-50 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--full-width scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-alignment--center cmp-title_text-headingcontent "> <h2 id="title--1154371257" class="cmp-title__text">Frequently asked questions</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="faqlist"> <div class="faq-list faq-list--gradual-reveal faq-list--separated-items " data-faqs-showing="4" data-faqs-to-reveal="4">  <span itemscope itemtype="http://schema.org/FAQPage"> <div class="faq-list__items"> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq1" id="faq-question-1"> <span itemprop="name">Is a “no annual fee” credit card a free credit card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq1" role="region" aria-labelledby="faq-question-1" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>While cards with no annual fee can lower the cost of using your card, these credit cards will charge interest and could have other types of fees. When you pay your balance on time and in full at each billing statement, you may be able to avoid paying interest on purchases and reduce the cost of using credit.</p> <p> </p> <p>So while there’s no extra charge each year with a no annual fee credit card, any interest charges on your account are a cost of using credit.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq2" id="faq-question-2"> <span itemprop="name">Is there a limit to how much Discover will match?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq2" role="region" aria-labelledby="faq-question-2" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>No, there's no limit to how much we'll Match.</p> <h3> </h3> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq3" id="faq-question-3"> <span itemprop="name">What are FICO<sup>®</sup> Credit Scores?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq3" role="region" aria-labelledby="faq-question-3" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>FICO<sup>®</sup> scores are three-digit numbers that are calculated based on the information from your credit report. Lenders use FICO scores to assess how risky you are as a borrower, and your score can influence whether you're approved for credit such as credit cards, mortgages and car loans. Your FICO score also affects what interest rate you'll be offered.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq4" id="faq-question-4"> <span itemprop="name">Does checking my FICO<sup>®</sup> Score lower it?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq4" role="region" aria-labelledby="faq-question-4" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>No. The FICO<sup>®</sup> Score and other credit information we provide will never hurt your credit score. In fact, you can check as often as you like – it will never affect your score. Check back every 30 days to see a refreshed score.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq5" id="faq-question-5"> <span itemprop="name">How do I improve my FICO<sup>®</sup> Score?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq5" role="region" aria-labelledby="faq-question-5" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Using credit responsibly can improve your FICO score. When you want to raise your credit score, it helps to make payments on time, pay your balance in full, and to use a small percentage of your available credit.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq6" id="faq-question-6"> <span itemprop="name">Why do we provide your Credit Scorecard for free?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq6" role="region" aria-labelledby="faq-question-6" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>We want you to check your Credit Scorecard without worry, which is why we offer it for free.</p> <p> </p> <p>Nearly all lenders in the US, including Discover, use a FICO<sup>®</sup> Score among other information when they make their credit decisions, and they have for more than 20 years. We think that everyone should be informed about their credit so that they can avoid surprises.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq7" id="faq-question-7"> <span itemprop="name">What are Social Security number and credit alerts?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq7" role="region" aria-labelledby="faq-question-7" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>We monitor thousands of sites on the Dark Web–a hidden area of the Internet where stolen Social Security numbers can be traded or sold for the purposes of identity theft and fraud. If we find your Social Security number, we’ll send you an alert so you can take action.</p> <p> </p> <p>We also monitor your Experian credit report and notify you whenever any new credit inquiry or new account is reported. In most cases, you will probably recognize it as an account you opened. However, if you don’t recognize the account, you can contact Experian for assistance.</p> </div> </div> </div> </div> </span> </div> <div class="cmp-button--cta cmp-button--cta--transparent-dark"> <button class="cmp-button faq-see-more" data-analytics-label="FAQ:SEE_MORE"> <span class="cmp-button__text">See More FAQs</span> </button> </div> </div> </div> </div> </section> </div> </div> <div class="onecolumntile theme-light-gray-background-gradient light-theme cmp-p-50 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--full-width scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-alignment--center cmp-title_text-headingcontent "> <h2 id="title--49217446" class="cmp-title__text">Learn more about credit scores and credit cards</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--variation-four--no_delimiters"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title__text-heading2 "> <div class="cf-list__item-element-value cmp-title__text-heading2 ">Credit Score Chart: Learn About Credit Score Ranges</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Your credit score is more than just a number. Use this credit score chart to help understand what your credit score means and why it matters.</p> <p> </p> <p><a href="https://www.discover.com/credit-cards/card-smarts/credit-score-chart/" target="_self">Read More</a></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title__text-heading2 "> <div class="cf-list__item-element-value cmp-title__text-heading2 ">How Are Credit Scores Calculated?</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Understand how your credit score is calculated. The more you know about how your credit score is computed, the easier it becomes to improve your score.</p> <p> </p> <p><a href="https://www.discover.com/credit-cards/card-smarts/understanding-credit-scores/" target="_self">Read More</a></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title__text-heading2 "> <div class="cf-list__item-element-value cmp-title__text-heading2 ">Do you Know How to Use Your Credit Cards Responsibly?</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Whether you just received your first credit card or you are hoping to improve your credit score, learn how to use a credit card responsibly to reach your financial goals.</p> <p> </p> <p><a target="_self"></a><a></a><a href="https://www.discover.com/credit-cards/card-smarts/use-a-credit-card-responsibly/">Read More</a></p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> </div> </div> </section> </div> </div> <div class="disclosurecomponent aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <div class="disclosurecomponent aem-GridColumn aem-GridColumn--default--12 cmp-dark-blue-font" id="disclosure__cchp"> <div class="cq-placeholder" data-emptytext="Disclosure Component"></div> <section class="container notes-component scrolltracking" id="terms-and-conditions"> <div class="footnotes__container footnotes__container--scroll" id="footnotes-scroll"> <div class="footnotes__holder" id="disclosure"> <div class="footnotes__holder--heading"> <p><b>Cash Back Credit Cards:</b> Discover it<sup>®</sup> Cash Back, Gas &Restaurant Card, NHL<sup>®</sup> Discover it<sup>®</sup></p> <p><b>Travel Credit Card:</b> Discover it<sup>®</sup> Miles</p> <p><b>Student Credit Cards:</b> Discover it Student<sup>®</sup> Cash Back, Student Chrome Card</p> <p><b>Secured Credit Card:</b> Discover it<sup>®</sup> Secured credit card</p> </div> <div class="footnotes_contentWrapper"> <div class="footnotes__content"> <p class="footnotes--title">Cash Back Credit Cards</p> <br/> <p><b>Intro purchase APR</b> is <b><span class="product1 introaprrate">x</span></b>% for <b><span class="product1 introaprduration">x</span></b> <b>months</b> from date of account opening then the standard purchase APR applies. <b>Intro Balance Transfer APR</b> is <b><span class="product1 btaprrate">x</span>%</b> for <b><span class="product1 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="fw_mon"></span></b> then the standard purchase APR applies. <b>Standard purchase APR: <span class="product1 purchaseratelowapr">x</span>%</b> variable to <b><span class="product1 purchaseratehighapr">x</span>%</b> variable, based on your creditworthiness. <b>Cash APR: <span class="product1 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. <b>Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product1 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="fw_mon"></span></b> and up to <b><span class="product1 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. <b>Annual Fee: None</b>. Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.</p> </div> <div class="footnotes__content"> <p class="footnotes--title">Travel Credit Card</p> <br/> <p><b>Intro purchase APR</b> is <b><span class="product3 introaprrate">x</span>%</b> for <b><span class="product3 introaprduration">x</span> months</b> from date of account opening then the standard purchase APR applies. <b>Intro Balance Transfer APR</b> is <b><span class="product3 btaprrate">x</span>%</b> for <b><span class="product3 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="fw_mon"></span></b> then the standard purchase APR applies. <b>Standard purchase APR: <span class="product3 purchaseratelowapr">x</span>%</b> variable to <b><span class="product3 purchaseratehighapr">x</span>%</b> variable, based on your creditworthiness. <b>Cash APR: <span class="product3 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. <b>Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product3 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="fw_mon"></span></b> and up to <b><span class="product3 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. <b>Annual Fee: None</b>. Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.</p> </div> <div class="footnotes__content"> <p class="footnotes--title">Student Credit Cards</p> <br/> <p><b>Intro purchase APR</b> is <b><span class="product4 introaprrate">x</span>%</b> for <b><span class="product4 introaprduration">x</span> months</b> from date of account opening then the standard purchase APR applies. <b>Intro Balance Transfer APR</b> is <b><span class="product4 btaprrate">x</span>%</b> for <b><span class="product4 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="fw_mon"></span></b> then the standard purchase APR applies. <b>Standard purchase APR: <span class="product4 purchaseratelowapr">x</span>% </b>to<b> <span class="product4 purchaseratehighapr">x</span>%</b> variable, based on your creditworthiness. <b>Cash APR: <span class="product4 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. <b>Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product4 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="fw_mon"></span></b> and up to <b><span class="product4 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. <b>Annual Fee: None</b>. Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.</p> </div> <div class="footnotes__content"> <p class="footnotes--title">Secured Credit Card</p> <br/> <p><b><span class="product6 purchaserateactualapr">x</span>% standard variable purchase APR</b> . <b>Intro Balance Transfer APR</b> is <b><span class="product6 btaprrate">x</span>%</b> for <b><span class="product6 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="fw_mon"></span></b> then the standard purchase APR applies. <b>Cash APR: <span class="product6 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than <b>$.50</b> . <b>Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product6 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="fw_mon"></span></b> and up to <b><span class="product6 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. <b>Annual Fee: None</b>. Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.</p> </div> </div> <div class="footnotes-list__container"> <div class="footnotes-none-reference"> <p>NHL and the NHL Shield are registered trademarks of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2024. All Rights Reserved.</p> </div> </div> <div class="notes-ordering"> <ol> <li id="q1"> <p><b>FICO<sup>®</sup> Credit Score Terms</b>: Your FICO<sup>®</sup> Credit Score, key factors and other credit information are based on data from TransUnion<sup>®</sup> and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See <a href="https://www.discover.com/credit-cards/fico-score-free/?SCMPGN=va_dcp_fico">Discover.com/FICO</a> about the availability of your score. Your score, key factors and other credit information are available on <a href="https://www.discover.com/">Discover.com</a> and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO<sup>®</sup> Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.</p> <p>If you prefer not to receive your FICO<sup>®</sup> Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.</p> </li> <li id="q2"> <p><b>Cashback Match: </b>Only from Discover as of September 2024.<b> </b>We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.</p> <p><b>Discover Match<sup>®</sup>:</b> Only from Discover as of September 2024. We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned Miles rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.</p> </li> <li id="q3"> <p><b>Rewards Redemption:</b> Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed.</p> </li> <li id="q4"> <p><b>Discover<sup>®</sup> Identity Alerts (Alerts)</b> are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian<sup>®</sup> credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit <a href="/credit-cards/member-benefits/security/ssn-newaccount-alerts/?vcmpgn=freealerts" target="_self">discover.com/freealerts</a>.</p> </li> <li id="q5"> <p><b>Freeze it<sup>®</sup></b>: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.</p> </li> <li id="q6"> <p><b>$0 Fraud Liability:</b> An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at <a href="https://www.discover.com/credit-cards/help-center/faqs/credit-card-fraud.html">Discover.com/fraudFAQ</a>.</p> </li> <li id="q7"> <p><b>Online Privacy Protection: </b>Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.</p> </li> <li id="q8"> <p><b>Free Overnight Card Replacement:</b> Free overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.</p> </li> <li id="q9"> <p><b>100% U.S. Based Customer Service: </b>You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.</p> </li> <li id="q10"> <p>There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. 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