How to Sign Up for a Discover Card

Signing up for a credit card can be easy.
Signing up for a credit card can be easy. (Image: Klaus Tiedge/Blend Images/Getty Images)

Discover cards give customers a number of benefits such as cash back and a reward program. All three Discover cards have a similar look and basic features, but different annual percentage rates and reward amounts. Check the details of each card to be sure you apply for the one you want.

Personalized Offers

Frequently, Discover offers promotions to encourage new users. Visit the “Your Personalized Offer” page on the Discover website. If you fill in your name and last four digits of your social security number and agree to the terms and conditions, who will get a list of available offers. Special offers include low introductory rates, low annual percentage rates and gift cards for different merchants. Once you decide on the best offer for you, click on the "apply now" button to sign up online.

Online Application

An online application is available on the Discover website. The application asks for your name, address, phone number, email address and date of birth.You will have to enter your Social Security number so Discover can pull your credit score and reports. Discover will also ask for your employment status, total annual gross income and monthly rent or mortgage payment to determine if you qualify for a credit line.

Mail and Phone

Discover often mails out sign-up offers. It includes a paper application you can fill out and mail back to Discover with a provided postage-paid envelope. If you would rather apply online, the paper application comes with a personal invitation number that you enter on the Discover website. You can also apply over the phone at 1-800-347-2683.


According to Arrive Financial, you need a credit score around 660 or better to qualify for a Discover card. You can add another user during the application process if you add their name as it should appear on their card. You can also add another user later through your online account. The additional user does not have to go through a credit check. You can check the status of your application on the Discover website with your social security number and zip code.

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