Discover Credit Card Pre-Approval Form

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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

Pre-Approval Offers

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.