How To Open A Discover Credit Card

You can easily apply for a Discover Credit card online using your phone or computer to fill out a necessary application. You can also check whether you are pre-approved even before applying for the credit card. The application steps might sound easy but maintaining a credit card and using it wisely is essential as credit card issuers will review your credit scores before issuing you a new credit card.

These are things you should note before signing up for a new credit card.

1. Basic Credit Card Requirements

We all know that credit cards can’t be obtained by everyone who applies for it. Credit card issuers take a lot of factors to analyze and decide whether to issue a credit card or not. So, you also have to review a few basic card requirements before applying for the Discover Credit Card.

Income: The most important thing that credit card issuers look into is whether you have a good source of income that guarantees you to make timely payments. The higher the income, the more likely you will get a credit card.

Age: If you are not a student and want an ordinary credit card, you will have to be at least 21 at the time of applying for the credit card.

Credit Score: Your credit score is one of the few important things that will be checked, which assures that you will pay in a timely manner and won’t keep the balance pending. So, maintain a good credit score to increase the likelihood of getting approved.

2. Know The Requirements For First Time Card Holders

If you have already a credit card user, when you apply for a new credit card, the credit card issuer will check your previous credit score and decide whether to accept your application or not. But if you are a first-time cardholder, your requirements might vary. Check it with your credit card issuer before applying for it.

3. Find Out How To Sign up For Credit Card Without Any Credit History

The best option to get a credit card without any prior credit score is to apply for a student credit card. Or else, you can apply for a secured credit card where you will have to make a security deposit to get approved for a credit card. By doing so, you can easily build up your credit score quickly.


Getting a credit card comes with advantages such as exclusive rewards. There are multiple types of credit cards that reward their users for specific transactions. For example, if you have a travel credit card, you will receive cashback or other rewards for making purchases or transactions for traveling purposes.

Check Out Fees And APR

Credit can be a useful asset when used in the right way. But if the transaction fee is higher, it will become a burden to its users. So, check the transaction fee percentage and pick the card with the lowest possible. Also, check whether you have to pay annual fees to maintain the credit card.