What Is Credit Card Fraud?
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What Can You Do With the Our Mobile App?
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Last Updated: August 28, 2024
Key Takeaways
- Our mobile app lets you manage your account, monitor recent activity, and see interest charges and savings.
- The app can alert you to login activity and helps you make payments, too.
- 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 our 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 our mobile app?
Download and set up our mobile app
To download our mobile app, you need an iPhone or Android-based phone and a compatible operating system.
Once you've downloaded our 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 home 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 our mobile app lets you see recent activity, search transactions, tag transactions, view statements, and see balance transfer offers.
You can easily keep track of the activity on your Discover credit card account. Receive account alerts, lock your card, review recent transactions, redeem your rewards, and more all on your mobile device.
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 our 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 our 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 amount or redeem rewards for gift cards at popular brands.2
- 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 app.3 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.4
Did you know?
With Discover, you earn cash back not points. So, every $1 you earn is worth $1 when you redeem. Choose the best credit card for you that earns the type of rewards that match your spending habits.
Mobile 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 our mobile app can help you easily manage your account on your mobile devices.
The bottom line
You can download our 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 our mobile app, contact Discover Customer Service.
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Legal Disclaimer: We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional. Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. By clicking on some of the links provided, you may be taken to a third-party website that is not hosted by Capital One. In those cases, the owner of the website is responsible for the website content. Their privacy practices and level of security may be different from Capital One's, so please review their policies. Some of the above information may not describe the features and offerings of your specific Discover account. Please review your account terms for details on your specific account.
Your account may not always be eligible for refer-a-friend. If the Referral Program is offered, we reserve the right to alter, change or terminate the Referral Program at any time. Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if the person they referred applies online for the specific offer sent via the digital link provided and is approved by 11:59 pm ET, December 31, 2026. Phone, mail-in, and other digital applications are not eligible for referral rewards. Maximum annual referral amount will be stated in individual referral offers upon login. You are not eligible to refer if you have a Discover it® Secured Credit Card, or Discover it® Business Card. For other product types, eligibility will not begin until your account has been opened for at least one billing cycle. Your account must be open and in good standing to receive your referral reward. Each eligible referral will receive a statement credit after making a purchase that is posted to their account within three months of opening a new Discover account. A Balance Transfer or Cash Advance does not qualify as a purchase. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. You will not be notified whether a specific referral was approved or declined. Please allow up to 1-3 billing periods for the statement credit to post to your account after each referral is approved. Statement credits you receive may be taxable to you. Please contact your tax advisor. Offer may not be combined with any other introductory offer.
Subject to availability. See gift cards for details, terms, and conditions. All trademarks are property of their respective owners. Product may not be available in all states. The gift cards featured are not sponsors or otherwise affiliated with this company.
Spend Analyzer: Discover spend analyzer pulls in your purchase transactions into categories per MCC code. It does not include returns, balance transfers, cash advances, pending transactions or other MISC statement charges.
When you freeze or lock your account, Capital One will decline new charges including, but not limited to: Purchases (including in-store, online, in-app and by phone) and cash advances. Any cards with the same number will also be locked. If you have authorized users, you need to lock their cards individually. Only the primary cardholder is able to unlock authorized users' cards online. Some limitations may apply including but not limited to: (i) Service outages may occur and routine maintenance may result in downtime, during which the transactions might be approved; (ii) Some types of activity may continue, including but not limited to, returns, credits, dispute adjustments, payments, protection product fees, other account fees, interest, rewards redemptions and certain exempted transactions; (iii) If you have charges continuing from a previous card number that transferred to this card, those charges should continue since they've been authorized. You can remove merchants from your 'Continued Charges' list at any time; and (iv) Balance transfers may still be authorized. Capital One customers are responsible for regularly checking their account activity and making payments on locked cards.
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