There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.
Action required: Update your browser
We noticed that you're using an old version of your internet browser to access this page. To protect your account security, you must update your browser as soon as possible. You'll be unable to log in to Discover.com in the future if your browser has not been updated. Learn more in the Discover Help Center
DISCOVER CARD HELP CENTER
Walmart Pay
Learn how to use your Discover Card with Walmart Pay.
QUICK LINKS
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
About Walmart Pay
Walmart Pay is a feature in the Walmart mobile app that allows you to quickly and easily use your smartphone to pay for in-store purchases at Walmart.
Walmart Pay works with any iOS or Android mobile device capable of downloading the Walmart app.
Walmart Pay works with any major credit, debit, pre-paid, or Walmart Gift Card.
Walmart Pay cannot be directly linked to bank accounts, including checking accounts.
Not at this time, but you can split payment and use Walmart Pay for items not eligible for WIC/SNAP. Be sure to split payment before using Walmart Pay.
Not at this time.
No.
How to Setup and Use Walmart Pay
An itemized eReceipt will be available by selecting “Account” then “Purchase History”. eReceipts typically show up within 2-4 seconds, but sometimes there is a slight delay.
eReceipts are saved indefinitely.
The cashier can print a paper receipt if you request it.
- Select “Purchase History” and choose the eReceipt with the item you wish to return.
- Scroll to the bottom until you see the transaction barcode.
- Show the large barcode to the associate at Customer Service.
- Your return is then completed as normal.
The charge will be prefixed by "Wal-Mart" along with the store number and location.
A tone will sound from your mobile device, unless your phone is on mute. If you close the app before you receive the confirmation screen, you will receive a push notification (if enabled). The associate will also inform you that you are all set to go. The debit reader will display the following message: "TRANSACTION COMPLETE ERECEIPT SENT."
If your payment is declined or authorization fails, the cashier will inform you that the Walmart Pay transaction cannot go through and that you need to select another payment option.
- Open the Walmart app, select Services, tap the Walmart Pay icon and select Set Up Walmart Pay.
- Sign in or create a Walmart.com account.
- Add a card or simply select a card already saved to Walmart.com.
- Create a passcode.
- Walmart Pay is now ready for use.
No, Walmart Pay works at any Walmart checkout lane.
Yes, you can split payment in-app by using a gift card and then a registered credit card for the remaining balance or split payment at the register by paying first with cash or another payment type and then with Walmart Pay.
Digital coupons will not work. Paper coupons will have to be scanned as they are done today.
- To use Walmart Pay, you must download the Walmart app, sign in to your Walmart.com account and choose a preferred payment method.
- While in the store, launch Walmart Pay from the Services menu in the Walmart app.
- After entering your unique 4-digit security PIN or using Touch ID, hold your phone over the QR code at the register to scan.
- When your transaction is complete, you will hear an audio confirmation and an eReceipt will be available in app.
- A message will appear on the item reader stating "TRANSACTION COMPLETE ERECEIPT SENT."
Security
To add your new or replacement Discover card to Walmart Pay, you will need to delete your old card from Walmart Pay and then add your new card information. At Discover, we are always trying to improve the customer service experience. We hope to shorten this process in the future.
You will be unable to use your card in Walmart Pay until you unfreeze your account.
You will be unable to use your card in Walmart Pay until you receive your new Discover card. You will need to register your new card in Walmart Pay to resume using it.
There is no impact on Walmart Pay if you replace your device. Your Walmart Pay account is based on your Walmart app log in information. You will continue to see your registered cards under your profile with the new device.
Yes. You can continue to use your plastic card as you usually would after you add that card to Walmart Pay.
You may be asked to provide additional information for security purposes when you add your Discover card to Walmart Pay. Your Walmart Pay app will tell you how to verify your card. After you have successfully verified your card, you will see a message in the Walmart Pay app indicating that you are ready to use your card in Walmart Pay.
No. You will only enter the CVV information when adding a new credit card to your Walmart.com account.
In most cases, customers are able to reach a quicker resolution of their dispute by working directly with the merchant. Please contact Walmart first, as they act as the merchant for purchases made using Walmart Pay. Alternatively, to initiate a dispute directly with Discover for a charge you believe is incorrect, simply log in to your Discover card account online, navigate to 'Activity & Payments > Activity > Statements', click on 'View Details' for the corresponding statement, locate the transaction you would like to dispute on your statement, view the expanded detail, and click on the "Dispute this charge" link. If you prefer, you can always call 1-800-DISCOVER (1-800-347-2683) to initiate the dispute with one of our customer service agents. Please note that transactions cannot be disputed with Discover until they have posted to your account.
Our $0 Fraud Liability Guarantee means you’re never responsible for unauthorized purchases on your Discover credit card.
Troubleshooting
If you are having trouble using Walmart Pay, click here to contact the Walmart Help Center.
The cashier can print out a one-time use QR Code for you to scan with your phone.
DISCOVER MOBILE
Still have questions?
CALL US
phone icon
Call 1-800-DISCOVER.
We're here to help 24 hours a day.
Message Us
message icon
Message a U.S.-based agent
to get your questions answered.
Chat With us
i message icon
Chat with a U.S. based agent using Apple Business Chat.
Cashback Match: Only from Discover, as of February 2021. 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.
