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What Can You Do With the Discover App? contents
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What Can You Do With the Discover App?

7 min read
Last Updated: August 29, 2024
Using your credit card

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Key Takeaways

  1. The Discover® mobile app lets you manage your account, monitor recent activity, and see interest charges and savings.

  2. The app can alert you to login activity and helps you make payments, too.

  3. Discover’s Spend Analyzer can show you specific data on how you spend your money and where you can save.

Using your smartphone or tablet to manage credit card payments or account activity may help you save time, money, and hassles.

If you're a Discover® cardmember, you can use the Discover mobile app (available via the Apple App Store or Google Play). With the app, you can perform most of the tasks that you’d perform on the Discover website or by calling customer service.

So, what can you do with the Discover mobile app?

Download the Discover mobile app

To download the Discover mobile app, you need an iPhone or Android-based phone and a compatible operating system. (The Discover mobile app isn’t available on Windows phones.) You can text APP to 20877 on your iPhone or Android phone to get a download link sent directly to your device. You can also use the links below:

 

Set up your Discover app login

Once you've downloaded the Discover mobile app to your device, use your online Account Center user ID and password to sign in.

Not registered for the Account Center? Register now.

Manage your account

From the app’s Activity screen, you can quickly check your current balance, last statement balance, and any rewards you’ve earned. The Activity screen serves as your homepage or dashboard.

The Activity section of the Discover mobile app lets you see recent activity, search transactions, tag transactions, view statements, and see balance transfer offers.

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To keep track of the activity on your Discover credit card account, go to Recent Activity. There, you’ll see purchases, payments, accrued interest, and charges. Filter results further by searching for transaction types, then tag them for proper categorization.

Manage your payments

The Payments section of the menu shows your current balance and previous statement balance. It allows you to make a payment, see recent payment activity, view automatic payments, change your payment due date, and view the bank accounts you’ve connected.

Making a payment to your Discover Card account with the Discover mobile app takes just four steps:

 

  • Log into the app and select Payments from bottom navigation, then select “pay.”
  • Choose the payment amount you wish to make—current balance, statement balance, minimum payment, or another value.
  • Choose your preferred bank account and whether you’d like to apply any of your earned Cashback Bonus® to the payment.
  • Tap “Continue to review,” then verify the information before tapping to confirm.

 

Note: You can also make a payment from the Activity screen by clicking “pay” near the Statement Summary.

Manage your rewards

Another exciting feature of the Discover mobile app is the ability to interact with your rewards. In the Rewards section of the menu, you can handle a variety of tasks:

 

  • Enroll in Cashback Bonus or Miles promotions if your card is eligible.
  • See how to earn your Cashback Bonus and the progress towards activated rewards.
  • Refer a friend and get a statement credit for each friend that becomes a cardmember.1
  • Turn your Cashback Bonus® into cash in any amount2 or redeem rewards for gift cards at popular brands.3
  • See your rewards redemption history.

Manage your credit cards

From the Services section of the menu, you’re able to:

 

  • Manage your cards and devices, request a new card design, and add an authorized user.
  • Request a card with a new image.
  • Request credit line increases.
  • Report your card lost or stolen.
  • Request a replacement for a damaged card.
  • Review balance transfers.

Manage your mobile alerts

You can access the Alerts section via the More section of the bottom navigation. Under Alerts, you can manage:

 

  • Push notifications
  • Account activity alerts
  • Account security alerts
  • Limits for transactions and balances

Manage your messages

You can also access the Customer Service section via the “More” menu in the bottom navigation. In this section you can:

 

  • Chat with Discover representatives when they’re available.
  • Access the Secure Message Center, where you can send and receive messages about your account.
  • View Frequently Asked Questions.
  • Set up a notification to let Discover know you'll be traveling.

Use Discover Spend Analyzer

Track your Discover Card purchases with the spend analyzer tool in the Discover app.4 You can access the tool through the Activity section in the bottom navigation.

This tool sorts your Discover Credit Card purchases into several categories, such as restaurants, groceries, and services, so you can track and learn about your spending habits. You can view your spending patterns for the past one to six months or longer and compare your spending across categories. Want to see the details in a pie chart, graph, or list format? The Discover Spend Analyzer can do that. This may help improve your budgeting skills.

Other mobile app features:

 

  • Travel notification: Register travel or any upcoming trips to ensure uninterrupted use of your card while traveling.
  • Text and email alerts: Get free payment reminders, balance alerts, and security and fraud alerts sent via text and email.
  • Turn your account on/off with Freeze it®: Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases and cash advances.5

Did you know?

With Discover, you earn cash back not points. So, every $1 you earn is worth $1 when you redeem.6 Choose the best credit card for you that earns the type of rewards that match your spending habits.

Learn More

Discover app account security FAQs

If you lose your mobile device or it gets stolen, please call Web Support at 1-877-742-7822 to disable your quick view settings.

To protect your account security, we advise that you call 1-877-742-7822 to disable Passcode on all your devices. This will prevent others from attempting to log in to your account with your Passcode.

On the Passcode login screen, you can select “Forgot Passcode.” The app will then prompt you to log in with your user ID and password and create a new Passcode.

Yes. You can log in with your user ID and password at any time by clicking on “User ID Login” from the login screen.

For security purposes, the app will lock access after three failed attempts. You can call 1-877-742-7822 to talk to a customer service representative about unlocking your account.

Yes. You can still view the Discover website from your phone’s browser if your mobile device has internet access. By accessing Discover.com from your mobile device, you can view your account summary, view account activity, view payment history, make payments, view rewards details, and enroll in rewards programs.

If you have a question about the app, please call Web Support at 1-877-742-7822. For general questions, please contact Discover Customer Service. Taking a moment to familiarize yourself with the Discover mobile app can help you easily manage your account on your mobile devices.

The bottom line

You can download the Discover mobile app on an Apple or Android device. Once you have the app, you can log in and manage account settings, make payments and more. Other useful features include travel notifications, SSN alerts, and a tool for analyzing your spending.

If you have questions about the Discover mobile app, contact Discover Customer Service.

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