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What Can You Do With the Discover App?

Last Updated: September 25, 2023
4 min read

Key points about: the Discover mobile app

  1. The Discover app allows you to manage your account, which includes monitoring recent activity, or interest accrued on charges and savings.

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

  3. Discover’s Spend Analyzer can provide you with specific data on how you spend your money and areas 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) and there 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 is not 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, or 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 home page, you can check your current balance, last statement balance, and any rewards you’ve earned.

The Activity section of the menu allows you to pull up recent activity, search transactions, tag transactions, view statements and balance transfer offers. To keep track of the activity on your Discover credit card account, go to Recent Activity to see purchases, payments, accrued interest, and charges. Filter results further by searching for transaction types and tag them for proper categorization.

Manage your payments

The Payments section of the menu shows current balance as well as previous statement balance. It allows you to make a payment, see recent payment activity, view automatic payments, change payment due date, and view the bank accounts you’ve connected to draw payments from. 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 – from current balance, to statement balance, to the 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”, and then verify the information before tapping the confirmation.

Note: You can also make a payment from the homepage by clicking ‘pay’ near the Statement Summary.

Manage your rewards

Another exciting feature of the 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 for the program.
  • See how your Cashback Bonus is earned and the progress towards activated rewards.
  • Refer Discover to a friend to earn a statement credit for each friend that becomes a cardmember.1
  • Redeem your earned Cashback Bonus for a statement credit, electronic deposit, and certain retail gift cards (which offer additional value).
  • 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.
  • You also have the ability to request a card with a new image and see if your card is linked to Amazon.com2, Apple Pay, or PayPal.3
  • Request credit line increases.
  • Report your card lost or stolen, or request a replacement for a damaged card.
  • Review balance transfers.

Manage your mobile alerts

The Alerts section can be navigated to via the More section of the bottom navigation. Under Alerts you can manage your alerts, specifically:

  • Push notifications
  • Account activity alerts
  • Account security alerts
  • Set 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.
  • Other customer service options include viewing Frequently Asked Questions and setting up a notification to let Discover know you'll be traveling.

Use the Discover Spend Analyzer

To help manage your spending, take the opportunity to review your spending with Discover Spend Analyzer. The tool can be accessed through the Activity section in the bottom navigation. This tool sorts your Discover Card purchases into several categories, such as restaurants, groceries, and services, so you can track and learn about your spending habits. View your spending patterns for the past one to six months or longer, and compare your spending across categories. Choose to view the details in a pie chart, graph, or list format. 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.
  • SSN Alerts: We’ll monitor thousands of dark web sites and alert you if we find your Social Security Number.4 Activate for free.
  • 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, cash advances and balance transfers.5

Did you know?

With a Discover Card, you get all of these features plus rewards on every purchase. Choose the card that earns the type of rewards that are most valuable for you.

Discover app account security FAQs

In the event that your device is lost or 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.” You'll then be prompted 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 page.

For security purposes, you'll be locked out of the application after 3 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 Customer Service. Taking a moment to familiarize yourself with the Discover mobile app can help you easily manage your account on your mobile devices.

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  1. Refer a Friend: Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if their friend applies for the specific offer sent via the link provided and is approved by December 31, 2023. Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. You are not eligible to refer a friend if you have a Discover it® Secured Credit Card, or Discover it® Business Card. Your account must be in good standing to receive your referral reward. Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. 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 1-2 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.
  2. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates.
  3. PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.
  4. Discover® Identity Alerts: (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to, Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.
  5. Freeze It®:When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including merchant-indicated recurring bill payment, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  • Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.