How to get preapproved for a Discover card

How to get preapproved for a Discover card

Discover is well known for its competitive credit cards, whether you’re trying to maximize your cash back or score a generous introductory APR for new purchases or balance transfers. If you are considering signing up for a Discover card, you might want to check out prequalified offers.

These offers allow you to get a glimpse of which Discover cards you are most likely to be approved for – saving you the fear of applying for a card, suffering a hard pull to your credit and still being denied. By checking out the cards that Discover has already matched to your credit profile, you can better decide which product is best for you.

Read on to learn more on how to get one of these offers.

Top Discover cards for prequalified offers

Cash back

Discover it Cash Back

Discover it® Cash Back

Intro APR

Discover it Balance Transfer

Discover it® chrome


Discover it Miles

Discover it® Miles

5% cash back on rotating categories that you activate each quarter, on up to $1,500 in purchases per quarter

1% cash back on all other purchases

0% intro APR for 14 months on new purchases then 11.99%-22.99% (variable)

2% cash back on restaurant and gas station purchases (up to $1,000 in combined purchases per quarter)

1% cash back on all other purchases

0% intro APR for 14 months on new purchases and balance transfer then 11.99%-22.99% (variable)

1.5 miles per dollar on all purchases

0% intro APR for 14 months on new purchases then 11.99%-22.99% (variable)

Check for offers on CardMatch

One way to check for prequalified Discover offers is through CardMatch™, a free service on To check for offers, you’ll need to enter personal information including your name, address and the last four digits of your Social Security number.

Checking your offers on CardMatch never triggers a hard pull to your credit – only a soft one. That means you don’t have to worry about it affecting your credit score.

You’ll see a full list of both prequalified matches from issuers and cards recommended for you based on your credit score.

Prequalify on the Discover website

In addition to tools like CardMatch, prospective Discover cardholders can check for prequalified offers on the Discover site.

The Discover prequalified offers tool asks for a bit more information than similar products from other issuers, having potential applicants enter information such as their annual income, whether they own or rent their home, whether or not they are a student and the other bank accounts they currently have open. You’ll also enter basic identifying information like your name, address and Social Security number.

Don’t worry – all of these additional questions are designed to help Discover better match you with cards that align with your lifestyle. You’ll still only have a soft pull to your credit, and it won’t affect your score.

Other ways to prequalify for Discover cards

In addition to prequalified offers online, Discover might target you for a prescreened offer by mail. Next time you get a letter from Discover, check for a good card deal before tossing it.

Depending on how you apply for a card, Discover will occasionally offer different terms and conditions. That means you might be able to score a better introductory offer if you are targeted. Be sure to check out the details of your prequalified card offers closely before applying.

Boost your chances

If you check Discover’s site only to find you aren’t prequalified for the card you wanted, don’t fret. You can work to boost your credit score and better your chances of scoring a top offer.

The best way to do this is by making consistent, on-time payments on your other accounts. Additionally, you should keep your credit utilization low. If you don’t have enough credit history, consider becoming an authorized user on a family member’s card. Just remember that the primary cardholder will still be responsible for payments being made on time, so you should be responsible about using the card.

for students. These are typically issued to applicants with less credit history, and their rewards are top-notch.

Prequalifying does not guarantee approval

Prequalifying for a credit card is a great way to boost your chances of approval. The cards have already been matched to your credit profile based on a soft pull to your credit, so the odds of your application being approved are high.

However, prequalifying for a credit card does not guarantee approval. There is always a small chance that you are prequalified for a card, but your application is still denied.

Final thoughts

Those in the market for a Discover card would be wise to check out prequalified offers. By entering some basic information on the Discover site, you can be presented with cards that already align with your lifestyle and maximize your chances of scoring a card suited to you.