Will checking for pre-approved offers harm my credit?

No. There’s no harm to your credit score to see if you're pre-approved. And you could see the APR and offers you may qualify for before you apply.

What is the difference between a soft inquiry and a hard inquiry?

Soft inquiries usually occur when lenders are considering you for pre-approved offers by mail or online. Only you and your credit bureau can see them on your credit report, and soft inquiries don’t affect your credit score. Hard inquiries typically occur when you apply for a credit card, mortgage or other loan. Other lenders can see hard inquires, and hard inquiries could affect your credit score.

Why are you asking for my personal information?

We need your personal information to see if you qualify for a credit card offer and to verify your identity. Remember, there’s no harm to your credit to check.

Why should I check if I'm pre-approved?

You could see the APR and offers you may qualify for before you apply, based on your credit report and other information. And there’s no harm to your credit to check. If we don't have an offer for you, we'll tell you why.

What’s the difference between pre-approved, pre-selected and pre-qualified?

Lenders may use a variety of terms to describe the process of determining whether you may be eligible for loans. Both pre-qualified and pre-approved offers use a review of your financial profile to understand your eligibility to qualify and be approved when you submit an application. Discover's pre-approval form requires only basic financial information, including your social security number, current income, housing status and bank account status.

Are pre-approved offers guaranteed?

No, pre-approved offers are not guaranteed. You’ll still need to complete a full application for final decision.

How does the pre-approval process work?

Process has three quick and easy steps: Step 1 – Fill out the form to check for card offers with no impact to your credit Step 2 – Select your customized pre-approved card offer Step 3 – Add any other required information and apply, when a hard inquiry will be placed on your credit report

How long are pre-approved offers valid?

You have 7 days to apply for your pre-approved offer before it expires. After that, you can request a new pre-approved offer.

Can I request a pre-approved offer over the phone?

Currently, pre-approved offers are only available online.

What if I'm not pre-approved for any offers?

If we don't have an offer for you, we'll tell you why. And you're welcome to come back and submit another pre-approval request after 8 days.

Why should you check your pre-qualified offers?

Your pre-qualified (or pre-approved) offers show you which credit card offers issuers think you’ll qualify for. By comparing pre-qualified offers across different credit card issuers, you can find the best rates and benefits for you. You can see your pre-qualified offers by checking a credit card website for ‘pre-approved offers’ or ‘pre-qualified offers’. Checking for pre-qualified credit card offers will usually not impact your credit score because financial institutions place a soft inquiry on your credit report when checking your eligibility, but be sure to check the issuers’ websites for details. When you apply for a pre-approved offer, however, the issuer will place a hard inquiry on your credit report, which could impact your credit score.

How do you find the right pre-qualified credit card offer?

Checking to see if you are pre-qualified for credit card offers with the Discover website is a great first step. If you have pre-qualified offers, pay close attention to fees, APR (including any promotional rates), rewards programs and balance transfer offers. While finding a card that can immediately provide you with an introductory rewards bonus or a promotional rate for a limited duration, be sure to understand the long-term impact of the card on your financial future. When you decide on your best credit card offer, your full application will include a hard inquiry that could affect your credit score.

What are the benefits of pre-qualified credit card offers?

There are several benefits of checking for pre-qualified credit card offers with the free Discover pre-qualification form: * See your unique credit card offers. By using pre-qualification before applying, you can see available credit card offers that match your credit profile. * Instead of submitting a full credit card application that triggers a hard inquiry on your credit report, financial institutions usually will place a soft inquiry on your credit report when you request pre-qualified offers, but check with financial institution. Soft inquiries won’t impact your credit score, but hard inquiries can. * Pre-qualified credit card offers help you find the right card for you. * Prepare your full credit card application. Using a pre-approval process can help gather the information that will build your full application, meaning your application is much easier to complete because the information you submitted when you requested your pre-approved offer is already on file.

Credit Card Pre-Approval

It's fast and secure

Preapproval FAQs Preapproval FAQs

Your Information

Name

Address

State

Select a state

Date of Birth (MM/DD/YYYY)

Enter your date of birth (e.g. MM/DD/YYYY)

Social Security Number

Enter your 9-digit Social Security number

Are you a student?

Yes No

Select yes or no

Year in College

Select your year in college

Highest Level of Education

Select your highest level of education

Monthly Housing/Rent Payment

Enter your monthly housing or rent payment amount

Housing Status

Select your housing status

Total Annual Gross Income

Enter your total annual gross income, or enter 0 if you have no income

Bank Accounts Owned

Select which bank accounts you own

Card Benefit

Select a benefit

Electronic Communications

Print Download

If you would like to receive your pre-approval decision and your application decision electronically and, if approved, receive future disclosures and other important information about your Discover card Account electronically instead of paper, please read and accept the terms and conditions below.

Please note that you are not signing up to receive statements by e-mail.

Please read the following important information about receiving disclosures electronically.

You agree that we may provide you with your pre-approval decision and application decision and, if approved, any disclosures, notices or other information (collectively "disclosures") legally required in connection with your Discover card Account electronically rather than in paper form. These disclosures include, but are not limited to, our privacy policy, change of terms notices, and amendments or addenda to the Cardmember Agreement or to the terms of any benefits, products, or services offered in connection with your Account. You have the right to receive these disclosures in paper form, and may at any time withdraw your consent to receive them electronically. There will be no fees or penalties for withdrawal of your consent. You can withdraw your consent, request paper disclosures, or update your e-mail address in the profile section of account center if you are a cardmember, or by calling 1-800-DISCOVER (1-800-347-2683). There is no fee for paper copies of disclosures.

If you are eligible, your pre-approved offer will be delivered on the next page. Your application decision will be delivered on the next web page after submitting your application and you will have the ability to save it and print it out. If you are approved, your account disclosures will be delivered to you as a message at your Secure Message Center, or when indicated for some disclosures, be delivered to you on a web page on Account Center.

For the Secure Message Center, you will receive an email notification at your email address on file with us notifying you of a new message. If you use a spam filter, which blocks or reroutes emails from senders not listed in your email address book, you must add "service@email.discover.com" to your email address book. In addition, to ensure that you are able to receive notifications about new messages, you must keep your email address current via the "My Profile" section on Discover.com. You can access the Secure Message Center by clicking on the link in the email notification or by logging in to your account at discover.com. If you are unable to access the Secure Message Center, please call us at 1-800-DISCOVER (1-800-347-2683).

Each message on your Secure Message Center will be accessible for 120 days from delivery before it is deleted. After a message is opened by you, it will be accessible for 30 days before being deleted. You will have the ability to print out your messages.

To ensure you receive the necessary messages and disclosures, you must have a valid Internet email address, Internet access and access to a printer. You must also have one of the following hardware/browser combinations, with cookies enabled and the following software:

Target Browsers Supported

Microsoft^® Windows^®
- Internet Explorer 11.0 and above
- Mozilla Firefox 30.0 and above
- Google Chrome 30.0 and above
- Safari 7.0 and above
- Google Chrome Mobile 30.0 and above
- Safari Mobile 5.0 and above
Macintosh^®
- Safari 7.0 and above
- Google Chrome Mobile 30.0 and above
- Safari Mobile 5.0 and above

Software

Adobe Reader 8.0 and above
JavaScript 1.0 and above

We reserve the right to terminate this service, change terms of your use of this service or send disclosures in paper form at any time. We will provide you with notice of any such termination or change as required by law.

By checking the box below, you certify that you consent to receive disclosures electronically and have the ability to do so.

Agree to receive Electronic Disclosures in order to continue.

By checking this box, you agree that you have read and consent to "Electronic Communications" in the consent form activated by clicking the plus sign above which provides information about your pre-approval, and if approved, your Discover card account disclosures electronically rather than by paper. It also gives you the right to receive the information in paper, to withdraw your consent at any time, and to update your e-mail.

By clicking 'Check Now', you authorize Discover to obtain information from your personal credit report or other information from one or more credit reporting agencies to determine if you are eligible for a credit card offer. You understand that this is not a credit card application and by clicking Check Now, you acknowledge receipt of the Discover Card Consumer Privacy Statement

This won't impact your credit score.

Discover Credit Card Pre-Approval Form

It's fast and secure

See if you're pre-approved with
no impact to your credit score*

It's fast and secure

Your Information

Electronic Communications

Preapproval FAQ's

Credit Score

Will checking for pre-approved offers harm my credit?

What is the difference between a soft inquiry and a hard inquiry?

Personal Information

Why are you asking for my personal information?

Pre-Approval Process

Why should I check if I'm pre-approved?

What’s the difference between pre-approved, pre-selected and pre-qualified?

Are pre-approved offers guaranteed?

How does the pre-approval process work?

Pre-Approval Offers

How long are pre-approved offers valid?

Can I request a pre-approved offer over the phone?

What if I'm not pre-approved for any offers?

Why should you check your pre-qualified offers?

How do you find the right pre-qualified credit card offer?

What are the benefits of pre-qualified credit card offers?

Discover Credit Card Pre-Approval Form

It's fast and secure

See if you're pre-approved with no impact to your credit score*

It's fast and secure

Your Information

Electronic Communications

Preapproval FAQ's

Credit Score

Will checking for pre-approved offers harm my credit?

What is the difference between a soft inquiry and a hard inquiry?

Personal Information

Why are you asking for my personal information?

Pre-Approval Process

Why should I check if I'm pre-approved?

What’s the difference between pre-approved, pre-selected and pre-qualified?

Are pre-approved offers guaranteed?

How does the pre-approval process work?

Pre-Approval Offers

How long are pre-approved offers valid?

Can I request a pre-approved offer over the phone?

What if I'm not pre-approved for any offers?

Why should you check your pre-qualified offers?

How do you find the right pre-qualified credit card offer?

What are the benefits of pre-qualified credit card offers?

See if you're pre-approved with
no impact to your credit score*