Which credit bureau does Discover use?

Though evidence is anecdotal and the bank has not disclosed internal policy on credit checking, based on crowdsourced information, Discover appears to use Equifax most often but also uses Experian or Transunion to pull applicants’ credit. Be sure to check your credit reports with all three major credit bureaus before applying for a new credit card to be sure the issuer pulls an error-free credit report. Once you are a cardholder, Discover reports account information to the three major credit bureaus once each month, usually on the day that your statement is generated.

Do I need a credit history to apply for a Discover card?

Discover markets specific cards to people with little to no credit history or credit in need of repair. Students can consider the Discover it® Student Cash Back, which is geared toward people with short or nonexistent credit history. The Discover it® Secured Credit Card is also an option to consider if you have a short credit history or need to improve your credit.

What is the average credit limit on a Discover card?

Your credit limit is determined by Discover when you are approved for a Discover card. Like other issuers, Discover evaluates several factors, including your credit history, credit score and income. Discover may automatically consider your account for credit limit increases periodically. If you need a higher credit limit, you can call the number on the back of your card and request an account evaluation. One exception, however, is the Discover it® Secured Credit Card where your credit limit is determined by the amount of your deposit.

What is the minimum payment on a Discover card?

We always recommend paying a card in full each billing cycle. Discover, like other card issuers, requires a minimum payment of either a flat amount or a percentage of your card balance. Any past due amount will be added to your minimum payment.

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Best Discover Credit Cards Of 2025

Updated: Feb 26, 2025, 7:28am

Toni Perkins-SouthamLead Editor

Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel in...

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Jerod MoralesDeputy Credit Cards Editor

Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he...

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Albert HsiehCredit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly...

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Balance Transfer Fee	3% to 5%
Late Payment Fee	Up to $41. No fee on first late payment.

Best Discover Credit Cards Of 2025