There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.
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DISCOVER CREDIT CARDS
Discover® has no annual fee on every single card
Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®
Travel Credit Card: Discover it® Miles
Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card
Secured Credit Card: Discover it® Secured
Business Credit Card: Discover it® Business Card
Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Secured Credit Card
22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2020. All Rights Reserved.
Travel Credit Card: Discover it® Miles
Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card
Secured Credit Card: Discover it® Secured
Business Credit Card: Discover it® Business Card
Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Secured Credit Card
22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2020. All Rights Reserved.
5% cash back makes all the difference
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com*, grocery stores, restaurants, gas stations and when you pay using PayPal*, up to the quarterly maximum when you activate. Plus earn 1% cash back on all other purchases.
Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.
PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.
Frequently Asked Questions
Setup Default Card
The first card you add to Apple Pay automatically becomes your default payment card. To change your default card, go to "Settings" on your supported iPhone and select "Wallet & Apple Pay." From there, you will be able to choose your default card.
How to Use Apple Pay FAQs
Apple Pay is a payments feature that allows you to add your credit and/or debit cards to a supported Apple® device through the Wallet app and make purchases at participating merchants.
You can make payments with your iPhone® 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE and Apple Watch™ at participating in-store merchant locations. You will also need to ensure that your device is updated with iOS 9 software in order to pay using your Discover card with Apple Pay.
There is no cost to cardmembers who use their Discover card in Apple Pay. However, your Discover card’s terms and conditions will apply for purchases. Also, additional message and data charges may apply depending on your wireless plan.
Contactless payments are transactions that use Near Field Communication (NFC). To complete a transaction, these payments do not require a physical connection between your device and the participating merchant’s checkout terminal.
Near Field Communication (NFC) technology allows devices close to one another to communicate. Payments using this technology require an NFC contactless reader at checkout and an NFC-equipped mobile device.
You can use these Discover cards with Apple Pay:
- Discover it®
- Discover® it Miles
- Discover it Chrome
- Discover More®
- Discover Open Road®
- Discover Miles
- Discover MotivaSM
- Discover Essential®
- Discover Escape
Add your card to Apple Pay in three simple steps.
iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, and iPhone SE- Open the Wallet app
- Tap the plus sign in the upper right corner
- Enter your card's security code to add your credit or debit card from your iTunes account. Or, select "Add a different card" and use your iSight camera to enter the card information.*
- Open the Apple Watch app on your iPhone
- Tap "Wallet & Apple Pay and select "Add a Credit or Debit Card"
- Enter your card’s security code to add your credit card from your iTunes account. Or, select "Add a different card" and use your iSight camera to enter the card information.*
You may continue to use your plastic card as you usually would after you add your Discover card to Apple Pay.
You may not have the eligible device and/or eligible card. If you need additional support, please contact us at 1-800-347-0251.
You receive notifications when purchases are made using Apple Pay. To turn these notifications off, go to "Settings" and tap "Wallet & Apple Pay." From there, select your added Discover card and turn your "Card Notifications" off. Please note that by turning off your "Card Notifications," you will no longer see transaction notifications or your purchase history in Apple Pay.
Yes. Your ten most recent transactions made using your Discover card in Apple Pay will be displayed.
There are 3 ways you can temporarily deactivate or remove your Discover card:
- Discover.com: Log in to your account. Then under "Account," select "Manage Cards," and then select "Activate/Deactivate" for Apple Pay devices.
- Discover mobile app: Log in to the app and select "Activate and Manage Cards." Then, select the Apple Pay device that you want to temporarily deactivate or remove the card from.
- Wallet/Apple Pay: Select "Remove Card" in the "Wallet & Apple Pay" section of your device Settings.
If you freeze your credit card account, you will not be able to use your card in Apple Pay until you unfreeze your account. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
After you report your card as lost/stolen, it will be unavailable in Apple Pay for up to 24 to 48 hours while Discover generates a new account number and makes it available in Apple Pay. No further action is required on your part to continue to use your card in Apple Pay.
If your card is lost or stolen:
Please use the "Contact Us" feature by selecting the information icon (i) in Apple Pay to reach Discover immediately from the mobile app or website.
If your mobile device is lost:
You can temporarily deactivate Apple Pay by using the "Find my iPhone" app, or you can visit www.icloud.com and select "Lost Mode." Alternatively, you can call us by using the "Contact Discover" feature in Wallet and we will assist you in temporarily deactivating your card in Apple Pay.
If your mobile device is stolen:
You can select the "Erase All" option on www.icloud.com to delete your cards from Apple Pay. Please note that when you select this option, all of the information on your phone will be erased.
You can restore the information on your device using iCloud Backup (if backup was turned onbeforeyou erased it). Restoring the information on your phone will not restore your card information in Apple Pay. You will need to add your card into Wallet again to resume using your card in Apple Pay.
If you don't know your device account number, please use the "Contact Discover" feature in Wallet and we will assist you.
If you replace your device, you will need to re-register your Discover card in Apple Pay.
No. Erasing your device will delete your Discover card from Apple Pay and does not affect your plastic card. You will be able to use your plastic card as you normally would.
There are two ways in which you can view and manage your Discover card in Apple Pay on your supported iPhone:
Option 1: You can view and manage your Discover cards in Apple Pay by going to "Settings"and selecting "Wallet & Apple Pay"on your supported iPhone. You can tap on an individual card to manage the settings linked to that card and view your most recent transaction history.
Option 2: You can also view and manage your cards in the Wallet app. When you select an individual card, you can tap the information icon (i) to manage the settings linked to that card and view your most recent transaction history.
Earn Rewards FAQs
Yes. You receive all the rewards, security, and benefits of your Discover card when you use it with Apple Pay. Please log into your card account at Discover.com or in the Discover Mobile app to see your individual card benefits. For any additional questions regarding rewards while using your Discover card in Apple Pay, please refer back to Discover.com/ApplePay for further information.
Security FAQs
You may be asked to provide additional information to add your Discover card to Apple Pay for security purposes. Wallet will tell you how to verify your card. After you have successfully verified your card, you will then receive a notification indicating that you are ready to use Apple Pay with that card.
Apple Pay will be locked anytime your device is locked. For your security, your device's passcode or Touch IDTM is required for every in-store purchase made with Apple Pay.
Our $0 Fraud Liability Guarantee means you’re never responsible for unauthorized purchases on your Discover card.
When you use your Discover card in Apple Pay:
- Your transactions are monitored by Discover risk and fraud detection systems
- Our $0 Fraud Liability Guarantee means you are never responsible for unauthorized purchases on your Discover card.
When you add your Discover card to Apple Pay, a Device Account Number is created for that card on your device. This number is unique to your device and is different from your plastic card number.
Where to Use Apple Pay FAQs
To pay in stores, there is no need to wake your iPhone or open an app. Just hold the iPhone near the contactless reader with your finger on Touch ID. You'll see "Done" on the display, along with subtle vibration and beep, letting you know your payment was sent.
On Apple Watch, double-click the side button and hold the display of your Apple Watch up to contactless reader. A gentle tap and beep confirm that your payment information was sent.*
You can use Apple Pay in-stores at many of the places you shop every day. View the complete merchant list here. You can also use your Discover card while shopping in app with Apple Pay at select merchants. Check back soon for a full list of merchants.
You will receive a notification on your phone if your transaction was successfully paid.
You may need to sign a receipt depending on the merchant.
You can make a return by contacting the merchant directly, as you would with any payment made via your plastic card. When making a return, we recommend that you bring your receipt and the device used for the purchase.
Open Wallet on your supported iPhone and tap the information icon (i) on the bottom right corner of your screen. Select "Contact Discover" from the popup screen to speak with a customer service representative, or you can visit the Discover/Apple Pay support page by selecting "Go to Website" for additional support.
This service is currently unavailable.
If a merchant asks for the last 4 digits of your card when paying with your Discover card using Apple Pay, please use the last 4 digits of the Apple Pay Device Account Number. This can be found by tapping the "i" icon on your card in the Wallet app.
*Apple Pay works with iPhone 6 and later and Apple Watch in stores. For a list of other compatible Apple Pay devices, see apple.com/apple-pay.
Yes – many transit operators welcome Apple Pay with Discover for payments. Check the website for the transit operator in your area for more information.
You may see individual rides on your statement. Or you may see multiple rides bundled into a single transaction. Check the website for the transit operator in your area for more information.
Contact your transit operator first to see if they can address your concern.
Still have questions?
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Call 1-800-DISCOVER.
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Message Us
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Message a U.S.-based agent
to get your questions answered.
Chat With us
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Chat with a U.S. based agent using Apple Business Chat.
Cashback Match: Only from Discover, as of November 2020. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
No annual fee
* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Low intro APR
0% Intro APR † for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until . Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
