DISCOVER CARD HELP CENTER

Change Rewards Program

Learn how to change your rewards program to one that better suits your spending habits.
Call 1-800-DISCOVER (1-800-347-2683)
or

Take me to Online Conversion

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DISCOVER CREDIT CARDS

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Frequently Asked Questions

Rewards

Great News! Your current reward balance will automatically be transferred to your new Discover card.

You will not lose any of your rewards. Your existing Cashback Bonus balance will be transferred to your new Discover it® Miles account. You will receive 1 mile for every 1 cent of Cashback Bonus you have already earned. For example $30.00 Cashback Bonus = 3,000 Miles; $100.00 Cashback Bonus = 10,000 Miles.

You will earn 1.5 miles for every $1 spent on new purchases – no cap, no signup.

You will be converted and start earning under the new rewards structure on the first day of your next billing cycle.

You will continue earning the same type of rewards until your account is converted.

You can earn 5% Cashback Bonus® at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com*, or wholesale clubs up to the quarterly maximum each time you activate. You will earn 1% Cashback Bonus on all other purchases.

Current Reward Structure and New Reward Structure

Yes, you will receive the default card of your new reward structure.

Yes you can use your current card, the conversion will not disrupt your usage. Once you receive your new card, activate online.

Once the new card(s) are activated, you should destroy your old card.

No. Your account number will not change with the conversion.

In fact, the following DO NOT change and need no action from you

  1. Automatic bill payment
  2. e-wallets(e.g. Apple Pay) where your Discover card is provisioned
  3. Direct deposit
  4. Payment due date

Conversion doesn't affect APR, but if you’re pending a rate change then your new card will reflect the new rate.

Choosing a credit card doesn’t have to be hard—but choosing the right credit card takes a little work. If you’ve received credit card offers that have made you think that you want to apply for a credit card, there are a few factors to consider when picking a credit card. Ask yourself what you’ll use the card for: look at your spending habits and think about how much and what type of purchased you’ll make on the card. Check the pricing on the cards you’re comparing (like annual fees, interest rates, etc.), see what kind of rewards they have (and on what kinds of purchases) and familiarize yourself with the terms of any special offers that may come with the card. If you’re selecting a card for professional use, review business credit cards with the same questions that you would ask yourself for a personal card.

Credit Card Rewards


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