Discover it Cash Back — Approval Odds & Credit Limit (2026)
The Discover it Cash Back is a cash back card from Discover. Welcome bonus: Cashback Match™ year 1.
Credit limit range — this card
$500 – $15k
The span of limits the Discover it Cash Back issues. Your personal limit depends on your profile — calculate your odds and limit →
Approval rate
82%
11 reported apps
Typical score
628
590–680 range
Approved
9
2 denied
Real reported applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Discover it Cash Back requirements
- Suggested credit score
- 580+
- Min credit history
- 3 months
- Recommended utilization
- under 60%
- Recent hard inquiries
- up to ~6
- Credit limit range
- $500 – $15k
- Annual fee
- $0
- APR
- 18.24%–27.24%
- Welcome bonus
- Cashback Match™ year 1
- Reports to
- Experian, TransUnion
Discover it Cash Back approval — FAQ
What credit score do you need for the Discover it Cash Back?
Approved applicants in our data had a median FICO around 628 (range 590–680). The issuer generally looks for 580+.
What credit limit does the Discover it Cash Back give?
This card issues limits from $500 to $15k. Across 9 reported approvals the median starting limit was $3k, typically $2.5k–$4.5k.
What is the approval rate for the Discover it Cash Back?
Of 11 reported Discover it Cash Back applications in our dataset, 82% were approved.
Will you be approved for the Discover it Cash Back?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from r/churning, r/CreditCards and myFICO, not the issuer. Not financial advice.