Discover It: Your Best Choice for a First Credit Card

Updated 04/09/18

You’re ready to get one of those plastic swipe cards commonly known as a credit card. There are so many banks and brands, each offering you a world of benefits.  It gets confusing.  Let me try helping out by introducing you to the Discover It credit card. Yes! If you’re applying for your first credit card, I recommend the Discover It.


  1. Easy to Get Approved For

When applying for your first credit card you should be looking for a credit card that is easy to get approved for.  Assuming you don’t yet have top notch credit, the Discover It credit card is very friendly when it comes to approving people who haven’t previously had any credit cards. They will also approve you for a generous amount of a credit line, making it possible for you to be able to start out with a decent amount of money to spend every month.

  1. Great Reporter

In order for you to be able to build credit fast, you need your positive information (like on time payments) to be reported right away to the credit bureaus.  There are banks out there that are very lazy when it comes to reporting positive information, sometimes delaying it for several months. (Unfortunately, they are only lazy when they need to report positive information but the negatives get reported right away….)

Discover is a great reporter.  They will report month after month without fail.  That will keep your credit file up to date and help you build credit quicker.

  1. Generous Credit Increase without a Credit Inquiry 

As you move on in life, your expenses grow.  Therefore, you’ll often want to increase your credit limit. Most banks will want to make a credit inquiry before approving you for a credit increase. The problem is, too many inquiries too often will negatively impact your credit.

With Discover you can request a credit increase every three months without having them make a credit inquiry. They will approve you just based on there own records or your timely payments. This is a big deal, because you will need it for the future. (I personally started out with a credit line of $ 1,000 and over the years I was able to increase it, without them ever making a credit inquiry. I now have a credit line of $15,000!)

You can view a full list of which banks will increase your credit line with out making a hard credit pull here.

  1. No Annual Fee

When applying for a first credit card, it’s important you look for a credit card with no annual fee. This will allow you to be able to keep it open forever, thereby helping you build a great credit history without ever having to worry about it costing you any money. The Discover It card offers you this amazing advantage.

  1. Your FICO Score on Every Statement

It is exciting to see your credit score go up, and with the Discover It credit card you get to keep track of your credit score with a nice graph, which you receive monthly with your statements.

  1. Free Credit Monitoring

Discover now offers a new benefit where they give costumers free credit monitoring! Discover will alert you by text and email about any suspicious activity they may find on the web and on your credit file.

  1. Many Benefits

Here we’ve discussed all the credit related benefits, but Discover also offers a whole lot more of benefits. For example, no foreign transaction fees, Discover deals, double cash back the first year, 100% USA based costumer service, 5% cash back at rotating categories, etc. See more here.

Hope this post helped you decide what your perfect first credit card will be.

You may also want to see: Five Easy Credit Cards To Get Approved For and Getting Approved For A First Credit Card.

Good luck!

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.


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