11/3/2023 0 Comments Discovery credit card pre approvalLate payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build/rebuild credit.įICO ® Credit Score Terms: Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bureaus. No purchase minimums.Īcceptance: According to the Feb 2023 issue of the Nilson Report.īuild credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly. This promotional offer may not be available in the future and is exclusively for new cardmembers. 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. You've earned cash back rewards only when they're processed, which may be after the transaction date. 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. See Cashback Bonus Program Terms and Conditions for more information.Ĭashback Match: Only from Discover, as of August 2023. ![]() Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. ![]() Discover Card does not assign MCCs to merchants. Merchants and payment processors are assigned an MCC based on their typical products and services. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Rewards are added to your account within two billing periods. For online purchases, the transaction date from the merchant may be the date when the item ships. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. Purchases must be made with merchants in the U.S. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Calendar quarters begin January 1, April 1, July 1, and October 1. ††You earn a full 2% Cashback Bonus ® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. If you have a credit score, we may use that in our evaluation. ![]() When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. ![]() You must meet other applicable underwriting criteria. *Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. 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. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Variable APRs will vary with the market based on the Prime Rate. Standard purchase APR: x% - x% variable, based on your creditworthiness. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies.
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