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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.
Yes, until your new one arrives. You can use your current card with confidence knowing that you're never responsible for unauthorized purchases on your Discover card. Then once your new card arrives, activate and sign it right away to avoid any interruption once we deactivate your compromised card.
Yes. Our active system monitoring scans every purchase, every day for suspicious activity. We're always evaluating your transactions for any signs of fraud based on your regular credit habits and other factors.
Also, be sure to sign up for Fraud Alerts if you haven't already, so we can reach you quickly via a text message or e-mail if we spot anything unusual.
A data breach happens when sensitive data (like credit card information) is compromised, which means it has the potential to be seen, stolen or used by an unauthorized individual. Oftentimes, it's the result of criminals that gain access to a merchant's restricted computer networks.
Yes. A data breach doesn't necessarily mean your card information was accessed—only that the possibility exists. However, fraud occurs when your physical card, or your card's information has been stolen and/or duplicated to make unauthorized purchases on your account. It is a crime that's punishable by law.
If you've heard about a data breach in the news and you're concerned, we encourage you to review your statements on a regular basis for any transactions you don't recognize.
Please know we also work to identify which accounts were potentially involved and we'll evaluate any risk to your account. We might also send you a new card with new information as a security precaution.
First, be sure to check with any other person using your account, like a secondary cardmember or authorized user. If you still don't recognize the transaction(s), please call 1-866-240-7938 immediately to speak with a U.S.-based Fraud Specialist.
No. All Discover Cardmembers are protected with our $0 Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover card. If you spot a purchase you don't recognize, please check with any secondary cardmember or authorized user. If the charge is not recognized, please call 1-866-240-7938 immediately.
Understandably, the increase in data breaches has left people wondering if they can do anything to prevent another one from happening to them. Since the future isn't easy to predict, it's best to use your card the same way you do today—because you're never responsible for unauthorized purchases on your Discover card.
We encourage you to sign up for Fraud Alerts online or with our mobile app—to help us reach you as quickly as possible if we spot unusual activity. And while we're always monitoring your account, it's also a good idea to get in the habit of checking your statements regularly to stay on top of your transactions. If you ever see a purchase you don't recognize, please contact us.
If we detect an unusual transaction, we might send an e-mail, text message or phone call asking you to confirm that the purchase was made by you or someone authorized to use your account. For security purposes, we might decline a transaction upfront, and authorize it once you have verified that the transaction is OK. If a transaction is ever declined, please call us right away at 1-800-347-4996.
To avoid any inconvenience at checkout, make sure you're signed up for Fraud Alerts so you can verify transactions real-time.
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.
* 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.
There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.
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.
