You may want to get a new credit card if you have a specific need for the card, the card offers enticing benefits, or the new card will complement your current cards. There are also a few things to consider if it's your first credit card.
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When Should You Get a Credit Card?
Next steps
![Application Icon](/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/card-smarts/images/doc-dollar.png)
No impact to your credit score
![Card Icon](/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/card-smarts/images/card.png)
See rates, rewards and other info
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Build credit with responsible use(Secured): Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build/rebuild credit.
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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. Card applicants cannot be pre-approved for the NHL Discover Card.
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Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.