Explore the benefits of your Discover® Card
There's more to your card than you may know—and it all comes with Anchor link to disclosuresno annual fee.
We’ve always got your back
Online Privacy Protection
We'll help you regularly remove your personal info from select people-search websites that could sell your data. Activate for free only in the Discover mobile app.1
Link to Online Privacy Protection pageLearn More
Social Security Number Alerts
We’ll monitor thousands of Dark Web sites and alert you if we find your Social Security Number. Activate for free.2
Link to Social Security Account AlertsLearn More
Inquiry and New Account Alerts
We’ll monitor your Experian® credit report every day and alert you when anyone pulls your credit, so you can recognize possible fraud. And get an alert when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report. Activate for free.2
Link to Social Security Account AlertsLearn More
Fraud Protection
We monitor your card and account 24/7 for any fraudulent activity. And you’re never responsible for unauthorized purchases made on your Discover card.3
Freeze it®
Freeze your account in seconds to prevent new purchases, cash advances and balance transfers on your account.4
Tracking your finances made easy
FICO® Credit Scorecard
Get your FICO® Credit Score, plus see important details that help make up your score for free.5
Recurring Charges Dashboard
See your Recurring Charges like utilities and phone bills in one convenient place.6
Link to Recurring Charges PageLog In to Access
Spend Analyzer
Easily track your spend, view rewards and help build your budget.
Account Alerts
Set up alerts to get notified when a purchase is made, when a payment is due and much more.
The way you pay is up to you
Contactless Payments
Check out quickly when you tap and pay with your contactless card.7
Link to Contactless Landing PageLearn More
Pay with Rewards
Use your Cashback Bonus® or Miles to check out at Amazon.com8 and with PayPal.9
Link to Amazon.com Pay with Cashback Bonus pageLearn About Rewards with Amazon.com
Link to PayPal pay with Discover Card rewards pageLearn About Rewards with PayPal
Digital Wallets
Add your card to Apple Pay, Samsung Pay or Google Pay, for a fast and easy checkout.10
Here for you when you need us
100% U.S.-Based Customer Service
Our customer service reps are available to help you 24/7 at 1-800-347-2683.
Online Chat
Message a U.S.-based agent to get your questions answered, online or on your phone.
Discover Mobile App
Our mobile app puts everything you need at your fingertips, wherever you go.
- Make payments, redeem rewards and more
- Even message us for service, day or night
Rewards
No matter the card, your rewards will never expire and you can redeem for cash at any time.11
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com12, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases – automatically
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% Cashback Bonus® on all other purchases - automatically13
Not a Cardmember?
Find the Discover card that's right for you
Cash Back Credit Cards
Intro purchase APR is % for months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is % for 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: % variable to % variable, based on your creditworthiness. Cash APR: % 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: % Intro fee on balances transferred by and up to % 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 % for months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is % for 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: % variable to % variable, based on your creditworthiness. Cash APR: % 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: % Intro fee on balances transferred by and up to % 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 % for months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is % for 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: % - % variable, based on your creditworthiness. Cash APR: % 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: % Intro fee on balances transferred by and up to % 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
% standard variable purchase APR. Intro Balance Transfer APR is % for 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: % 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: % Intro fee on balances transferred by and up to % 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.
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Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.
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Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.
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An "unauthorized purchase" is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Link to Fraud FAQDiscover.com/fraudFAQ.
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Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including merchant-indicated recurring bill payment, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
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FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.
Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal law or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair" services or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
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Recurring Charges Dashboard: We identify card not present (or online) transactions as a "Recurring Charge" in your Dashboard when merchants have marked the transactions as recurring or we have determined there is a clear pattern of recurrence. It is possible that some recurring charges may not appear in your dashboard.
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Don't see the contactless symbol on your card? You can request a contactless card.
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Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Link to Amazon.comAmazon.com see Link to Amazon.com Discover Rewards pageAmazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates.
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Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see Link to PayPal pay with Discover Rewards pagePayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, Link to PayPal terms and conditionssee terms and conditions. All reward redemptions are subject to Discover's reward program terms.
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Digital Wallet purchases include some online purchases and some in-store purchases made with your smartphone, tablet, or wearable. Purchases made with Google Pay include only those made by tapping your mobile device in-store. Certain third-party payment accounts and digital wallet transactions may be identified as being through a digital wallet. Discover does not determine the transaction details it receives for purchases.
For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/HT208531. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.
Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. Samsung Pay is available on select Samsung devices.
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Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.
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Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates.
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You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone) and Restaurants each calendar quarter. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. Gas Stations affiliated with supermarkets and supercenters may not be eligible. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Certain digital wallet transactions qualify for 2% Cashback Bonus, for more information see Discover.com/digitalwallets. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. 2% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover Card does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Only purchases made from merchants located in the United States are eligible for 2% Cashback Bonus. In order for a purchase to qualify for the 2% Cashback Bonus Program, the transaction date must be before or on the last day of the offer or promotion. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.