See if you’re pre-approved with no harm to your credit score9
Earn 5% cash back
on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.
Plus, earn 1% cash back on all other purchases.
Unlimited Cashback Match
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.7
x% Intro APR† for x months on purchases.
Then x% to x% Standard Variable Purchase APR will apply.
No credit score required to apply1
Earn 2% Cashback Bonus®
at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.6
Plus, earn unlimited 1% cash back on all other purchases.
Unlimited Cashback Match
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.7
x% Intro APR† for x months on purchases.
Then x% to x% Standard Variable Purchase APR will apply.
No credit score required to apply1
What to do before you apply for a credit card with no credit score
Check your credit score
Reviewing your current credit score can help you establish credit score goals and see how credit actions impact your score. But if you don't have a credit score, rest assured, Discover has credit cards with no credit score required to apply.1
Find the right types of credit cards for beginners
If you are looking for your first credit card, a student credit card or a secured credit card may have different credit requirements than traditional credit cards. Among other criteria, student cards require active student status. Secured cards require a security deposit from your bank account, which secures your credit limit.
Apply for starter credit cards
Making multiple applications at once for many credit cards may impact your credit score negatively, because the applications will result in hard inquiries placed on your credit report. But applying for credit cards that are built for people with no credit scores may make more sense for someone starting their credit journey.
Create good credit habits
Responsibly using a new credit card, like paying every bill on time, can help you build credit.2 After you use a secured credit card responsibly for a while, you may be able to upgrade to an unsecured card. With the Discover it® Secured credit card, you can upgrade to an unsecured card after 6 consecutive on-time payments and maintaining good status on all your credit accounts.3
What to look for in a starter credit card
Discover student and secured credit cards also have no late fee on your first late payment and no interest increase for late payments. See important pricing info.
Lower credit score requirements
No credit score is required to apply for Discover it® Student Cash Back, Discover it® Student Chrome, and Discover it® Secured Credit Card. 1 Discover will consider information you include on your application and provided by others to determine your eligibility.
Flexible secured credit cards
Your credit card company may review your account to see if you qualify to upgrade from a secured credit card to a traditional card. If you have a secured credit card with Discover, you can get your deposit back when you upgrade to an unsecured credit card after six consecutive on-time payments and six months of good status on all your credit accounts.3
Build a credit history2
Establishing a credit history requires having a credit card or other credit line like a personal loan that reports activity to a credit bureau. Payments you make (or miss) on a Discover credit card and other information will be reported on your credit report to begin building your credit history, where a debit card or prepaid card generally won't report activity to credit bureaus.
Some cards offer cash back rewards
Cash back rewards are one of the best benefits of many credit cards. And Discover it® Student Cash Back, Discover it® Student Chrome, and Discover it® Secured all offer cash back rewards on every purchase. Learn more about our cash back program.
How to build credit history as a new credit user in the U.S.
To help make every credit card monthly payment on time, create a budget for your income to cover expenses including credit card bills. Responsible credit use means budgeting your credit card expenses to make sure you can always make at least your minimum amount due by your due date for each monthly payment.
Annualcreditreport.com requires some basic information like your name and Social Security number and then provides you with one free credit report from each major credit bureau (Equifax, Experian, and TransUnion) every year. Reviewing your credit report can help you confirm that the information reported is accurate, can build credit knowledge and see why lenders may think you have good credit, fair credit, poor credit, or limited credit.
While your payment history is the biggest factor in your FICO® Score, your amounts owed (including your balances as compared to your limits), the age of your credit accounts, the mix of your credit accounts, and the number of credit applications you have submitted all can impact your score.4
For people immigrating to the U.S. with a limited credit history, establishing personal credit can be challenging, but not impossible. After you have the required documents to apply, a secured credit card or student credit card may help you build a credit history.2
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