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Discover card help center

Real human customer service 24/7

You can talk to a real human on our customer service team any time. *

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Discover is now a part of Capital One. For questions related to an account that has moved to Capital One, login to capitalone.com or the Capital One mobile app.

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By Phone

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U.S. 1-800-DISCOVER

1-800-347-2683 (English/Español)
Discover has live customer service agents—24/7. They can help with your account activity, benefits, and more. Please note that certain services may require the assistance of specialists who may not always be available. *
OUTSIDE U.S. 1-224-888-7777 (English/Español)

Hearing/Speech Impaired
Dial 711 (Relay Service)
*Customer service is available anytime, day or night. You can reach a live agent by calling 1-800-347-2683. Certain specialized customer service agents may not be available 24/7.

Payment addresses

Payment addresses are based upon your current address. Please review the address listed on your periodic statement to ensure your payment is received at the correct location.

Customer service - general inquiries

Capital One PO Box 71083 Charlotte, NC 28272-1083

Customer Service Frequently Asked Questions

How do I contact Customer Service when traveling outside of the U.S.?

You can contact Customer Service when traveling outside of the U.S. by calling (country code) +1-224-888-7777. This number also appears on the back of your Discover Card. Please be sure to retain this number with your travel documents. You also can report your card lost or stolen online. Please click the link to report your card lost or stolen.

 

Report a Lost or Stolen Card

How often are Discover Customer Service representatives available?

Discover has live customer service agents—24/7. They can help with your account activity, benefits, and more. Please note that certain services may require the assistance of specialists who may not always be available.

Can I opt out of my call being recorded?

We do not offer the option to opt out of the call being recorded. You are welcome to service your account with us online or in our app.

How do I initiate a Live Chat?

You must log in to initiate a live chat.

Discover is part of Capital One: Credit Card Frequently Asked Questions

When will I start managing my account with Capital One?

Discover card accounts will move to Capital One throughout 2026 and early 2027. We’ll send you information directly when it’s time to get ready to manage your account with Capital One.

What if I haven’t been notified to switch to Capital One yet?

No action is needed. If you haven’t received an email or letter, please keep managing your account as usual. We will contact you when it’s time, and please know all accounts will be moved to Capital One by early 2027.

Will my Discover credit card change to a Capital One branded credit card?

No. You’ll keep your Discover credit card and rewards. The Discover brand and network are not going away. Once we set up your credit card account with Capital One, you’ll  manage it using the Capital One website and app.

I currently manage my account online with Discover. How do I make sure my information correctly transfers over to Capital One? Do I need to take any action now?

We’ll send you emails or letters with info on when and how to get started with Capital One. Until then, there’s nothing you need to do, but make sure your contact information—including address, phone number and email—is up to date in your Discover account, along with your other settings and account preferences.

Will primary cardholders receive a new card?

No, primary cardholders will not receive a new card. Primary cardholders can continue to use their card, now and after their account moves to Capital One. Additionally, places where a primary cardholder has their current 16-digit card number stored online will continue to work.

What if I’m a customer of both Capital One and Discover?

Keep using your Discover and Capital One accounts as usual. We’ll let you know when your Discover account has moved to Capital One and what that means for your account. You’ll be able to easily link your Discover accounts online with Capital One after they move—this will allow you to manage your accounts all from the same place.

Will my credit card have an annual fee?

No. You will continue enjoying your Discover card benefits with no annual fee.

Will my credit card rewards earn rate remain the same?

Yes. Your credit card rewards earn rate will remain the same.

Will there be limited functionality on the Discover site and app in the days leading up to the move?

Prior to your account being ready at Capital One, some features won’t be available on the Discover website and app for a period of time. This is to ensure we move over your account information accurately. This includes making changes to account details and redeeming rewards. This will be temporary and you’ll be able to access most of these features on the Capital One website and app after your account has moved.

What if I have more questions or feedback?

You can continue to reach us at 800-DISCOVER (800-347-2683). We’ll continue to provide excellent service and ensure you’re  connected with a representative who will address your needs. Please note, however, that certain specialized agents may not be available 24/7.

 

Once you’ve enrolled online with Capital One, you’ll also be able to chat with Eno, your Capital One assistant, and explore help articles and FAQs.

 

You can also view more credit card FAQs or information on other account types online now.

Have a question about your account?

Log in to view our full FAQ page to assist you.

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