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Update Approved: Advice on Discover pre-approval

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onthepath
Member

Update Approved: Advice on Discover pre-approval

So finally got a pre-approval on discover, I have two offers. Hoping someone has any advice on whether there is any real advantage from one to the other? Same interest rate both. any help much appreciated before I pull the trigger and hope approval is finalized.

 

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Message 1 of 15
14 REPLIES 14
jcooks
Established Contributor

Re: Advice on Discover pre-approval

I'd go for the Discover It Cash Back.  It's currently 5% cashback on gas, and next quarter it's 5% cashback on restaurants. 

Message 2 of 15
onthepath
Member

Re: Advice on Discover pre-approval

Thank you! Pulled the trigger and got approved for 2K. Highest CL for me since rebuilding after BK. Happy day. Smiley Happy 

Message 3 of 15
CreditAggie
Community Leader
Super Contributor

Re: Advice on Discover pre-approval


@onthepath wrote:

Thank you! Pulled the trigger and got approved for 2K. Highest CL for me since rebuilding after BK. Happy day. Smiley Happy 


Congratulations on your Discover approval! 

With the Cashback Match, the 5% back effectively becomes 10% back during the first year, which is an excellent deal!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (December 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 4 of 15
Anonymous
Not applicable

Re: Advice on Discover pre-approval

Congrats! I have both of those and I think you made the right choice. ITCash is a stronger card than Chrome and will work well for you.

Message 5 of 15
Ficoproblems247
Valued Contributor

Re: Advice on Discover pre-approval

I was going to cast another vote for the cash back, but I'm glad to see you ended up with a nice approval! Congrats on the new Disco!



FICO 8 EX 836 EQ 838 TU 831
TCL $223,100
Message 6 of 15
M_Smart007
Legendary Contributor

Re: Advice on Discover pre-approval


@onthepath wrote:

Thank you! Pulled the trigger and got approved for 2K. Highest CL for me since rebuilding after BK. Happy day. Smiley Happy 


Congratulations on your approval!

Message 7 of 15
newfossil
Valued Contributor

Re: Advice on Discover pre-approval

Congratulations 




Starting score - May 2018

April 2021

AAoA - 1 year 6 months
Message 8 of 15
gdale6
Moderator Emeritus

Re: Advice on Discover pre-approval


@onthepath wrote:

Thank you! Pulled the trigger and got approved for 2K. Highest CL for me since rebuilding after BK. Happy day. Smiley Happy 


Nuce, grats on your new Disco Smiley Happy

Message 9 of 15
Demented1
Established Contributor

Re: Advice on Discover pre-approval


@onthepath wrote:

Thank you! Pulled the trigger and got approved for 2K. Highest CL for me since rebuilding after BK. Happy day. Smiley Happy 


Terrific news…congrats on your Disco approval! Smiley Wink




Message 10 of 15
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