discovercard: Credit Cards, Banking & Loans

discovercard is a financial services brand that offers credit cards, online banking, personal loans, and student loans. Known for its cash back rewards and excellent customer service, discovercard helps you build a brighter financial future.

discovercard Benefits: Cash Back & No Annual Fee

With discovercard, you earn cash back on every purchase. Our Cashback Bonus program rewards you for everyday spending on categories like groceries, gas, and restaurants. Plus, there is no annual fee on any discovercard, so you keep more of what you earn.

We automatically match all the cash back you've earned at the end of your first year for new cardmembers. It's just one way discovercard puts you first.

discovercard Customer Service: 100% US-Based

Need help? Our customer service team is available 24/7 and is 100% US-based. When you call discovercard, you talk to a real person who can assist you with your account, payments, or any questions you may have.

discovercard Mobile App: Manage on the Go

The discovercard mobile app gives you secure access to your account anytime, anywhere. Check your balance, view transactions, pay your bill, and redeem rewards with just a few taps. You can also freeze your account instantly if you misplace your card.

discovercard Security & Fraud Protection

Your security is our top priority. discovercard monitors your account around the clock for suspicious activity. If we detect something unusual, we'll alert you immediately. You're never responsible for unauthorized purchases on your discovercard.

Apply for a discovercard Today

Ready to start earning rewards? Apply for a discovercard online in minutes. We have a variety of cards to fit your lifestyle, including student cards, travel cards, and secured cards for building credit. Get a decision quickly and start enjoying the benefits.

discovercard Online Banking

Beyond credit cards, discovercard offers high-yield online savings accounts, certificates of deposit (CDs), and money market accounts. Grow your savings with competitive interest rates and no monthly fees. Open an account online and manage your banking alongside your credit card.

Personal Loans from discovercard

Need funds for a major purchase or debt consolidation? discovercard offers personal loans with fixed rates and flexible repayment terms. Check your rate online without affecting your credit score and get the money you need fast.

Student Loans by discovercard

Invest in your future with student loans from discovercard. We offer undergraduate, graduate, and parent loans with low variable or fixed rates. Cover up to 100% of school-certified college costs and get rewards for good grades.

discovercard for Business

Small business owners can also benefit from discovercard. Our business credit card earns unlimited cash back on every purchase and provides tools to help you track expenses and manage cash flow. Keep your business moving forward with discovercard.

Redeeming discovercard Rewards

Your Cashback Bonus never expires, and you can redeem it for cash, statement credits, gift cards, or pay at checkout with select merchants. Use your rewards your way with discovercard's flexible redemption options.

discovercard Scorecard: Track Your FICO Credit Score

Stay on top of your credit health with discovercard Scorecard. Get your FICO Credit Score for free on your monthly statement and online. Understand what affects your score and learn how to improve it over time.

Balance Transfer with discovercard

Save on interest by transferring high-interest balances to a discovercard. Take advantage of our introductory APR offers on balance transfers and pay down your debt faster. Calculate your potential savings with our online tools.

Travel with discovercard

Planning a trip? The discovercard Miles card lets you earn unlimited miles on every purchase. Redeem miles for travel expenses like airfare, hotels, and car rentals. Plus, there are no foreign transaction fees when you use your discovercard abroad.

discovercard Identity Theft Protection

Protect your personal information with discovercard Identity Theft Protection. We scan thousands of risky websites and data points to find your info and alert you if we find it being sold or used without your permission.

Contact discovercard

Have questions? Visit our Help Center online or call the number on the back of your card. discovercard is dedicated to providing you with the support and resources you need to manage your finances confidently.

About discovercard

discovercard was introduced in 1986 and has since become one of the most recognized brands in US financial services. We are committed to helping people obtain a brighter financial future through our products and services.

discovercard Community

Join millions of satisfied cardmembers who trust discovercard for their financial needs. Follow us on social media for the latest news, tips, and exclusive offers. Experience the difference of banking with discovercard.

Secure Account Center

Log in to the Secure Account Center to manage your discovercard account. View your activity, set up automatic payments, and update your profile information. Our encrypted platform ensures your data stays private and secure.

Global Contact Information

Corporate Office

En-DiscoverCard Services
450 Lexington Ave
New York, NY 10017
United States

Mailing Addresses

General Correspondence:
En-DiscoverCard Support
PO Box 9805
Wilmington, DE 19801

Processing Center:
En-DiscoverCard Operations
200 South Tryon St
Charlotte, NC 28202

Regional Offices

West Coast Office:
En-DiscoverCard Services
555 California St
San Francisco, CA 94104

Midwest Support:
En-DiscoverCard Solutions
233 S Wacker Dr
Chicago, IL 60606

Department Email Contacts

• Customer Support: [email protected]
• Account Assistance: [email protected]
• Security Team: [email protected]
• General Info: [email protected]
• Verification Dept: [email protected]

Maximize Your Rewards with discovercard

Unlock the full potential of your spending with the discovercard Cashback Bonus program. Whether you use your card for daily essentials or large purchases, you earn rewards that add up quickly. Discover the benefits of cash back on every purchase, with no limit to how much you can earn.

5% Cashback Bonus Categories

Each quarter, discovercard offers 5% cash back on different categories like:

• Grocery Stores and Supermarkets
• Gas Stations and EV Charging Stations
• Restaurants and Fast Food
• Amazon.com and Target.com
• Wholesale Clubs like Sam's Club
• Drug Stores and Pharmacies

Activate these categories each quarter to start earning 5% cash back on up to $1,500 in purchases. Plus, you still earn 1% cash back on all other purchases automatically.

Unlimited Cashback Match

Only discovercard offers an Unlimited Cashback Match for new cardmembers. We automatically match all the cash back you've earned at the end of your first year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Managing Your Finances with discovercard

Take control of your financial health with our suite of online tools. From tracking your FICO Credit Score to setting up automatic payments, discovercard makes it easy to stay on top of your money.

Free FICO Credit Score

Know where you stand. Check your FICO Score for free on your monthly statement and online. Seeing your score can help you understand your credit health and track your progress over time.

Spend Analyzer

Understand your spending habits with our intuitive Spend Analyzer tool. Categorize your purchases to see where your money goes each month. This feature helps you budget better and identify areas where you can save.

Advanced Security Features

Your peace of mind is our priority. discovercard employs advanced security measures to protect your personal and financial information.

$0 Fraud Liability

You are never responsible for unauthorized purchases on your discovercard. If your card is lost or stolen, or if someone uses your account without your permission, you won't pay a dime.

Freeze It

Misplaced your card? Freeze your account in seconds using the discovercard mobile app or website. This prevents new purchases, cash advances, and balance transfers while you look for your card. Found it? Unfreeze it just as easily.

Social Security Number Alerts

We monitor thousands of risky websites for your Social Security number and alert you if we find it. This proactive monitoring helps you stay ahead of potential identity theft.

discovercard Mobile App: Banking on Your Terms

Manage your account anytime, anywhere with the top-rated discovercard mobile app. Securely log in with your fingerprint or Face ID to view your balance, pay your bill, and redeem rewards.

Quick View

See your balance and recent activity without even logging in. Enable Quick View for a snapshot of your account health on the go.

Mobile Wallets

Add your discovercard to Apple Pay, Google Pay, or Samsung Pay for secure and convenient checkout. Pay with your phone in stores and within apps for a seamless shopping experience.

Frequently Asked Questions (FAQ) about discovercard

How do I apply for a discovercard?

Applying is easy and takes just a few minutes. Visit our secure online application page, choose the card that fits your needs, and fill out the required information. You'll often get a decision in seconds.

What is the annual fee for a discovercard?

There is no annual fee for any discovercard. We believe you should keep more of your hard-earned money, which is why we don't charge you just for holding the card.

How can I redeem my Cashback Bonus?

Redeeming your rewards is flexible. You can use your cash back for a statement credit, direct deposit to your bank account, gift cards from popular brands, or pay at checkout with select merchants like Amazon.com.

What if my discovercard is lost or stolen?

If your card is missing, use the "Freeze It" feature on the mobile app or website immediately. Then, contact our 24/7 US-based customer service to report it lost or stolen. We'll send you a replacement card quickly.

Can I use my discovercard internationally?

Yes, discovercard is accepted worldwide. Plus, there are no foreign transaction fees, making it a great companion for your travels.

How do I contact discovercard customer service?

You can reach our 100% US-based customer service team 24/7 by calling the number on the back of your card or visited our Contact Us page. We're here to help with any questions or concerns you may have.

Compare discovercard to Other Credit Cards

When comparing credit cards, consider the value of cash back rewards, annual fees, and customer service. discovercard stands out with its generous 5% cash back categories, Unlimited Cashback Match, no annual fee, and top-rated customer support. Why settle for less when you can have it all with discovercard?

Join the millions of satisfied customers who have made discovercard their top choice for financial freedom and rewards. Apply today and experience the difference.

Credit Education Center: Mastering Your Finances with discovercard

Understanding Your FICO Credit Score

Your FICO Score is a three-digit number that determines your creditworthiness. At discovercard, we provide your score for free because we believe knowledge is power. Factors affecting your score include payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). Improving your score can lead to lower interest rates and better financial opportunities.

Secured Credit Cards 101

Building or rebuilding credit? The discovercard Secured Credit Card is a powerful tool. Unlike prepaid cards, it reports to all three major credit bureaus. You put down a refundable security deposit, which acts as your credit limit. Use it responsibly to build a positive credit history, and you could graduate to an unsecured card in as little as 7 months.

The Power of Cash Back Rewards

Cash back is more than just a perk; it's a financial strategy. With discovercard, you earn real money back on every purchase. To maximize rewards, use your card for all planned expenses, pay your balance in full each month to avoid interest, and always activate the 5% bonus categories. Over a year, this can add up to hundreds of dollars in free money.

Financial Glossary: Key Terms to Know

APR (Annual Percentage Rate)

The yearly interest rate you’ll be charged if you carry a balance on your discovercard. We offer competitive APRs and 0% intro APR periods for new cardmembers.

Annual Fee

A yearly charge by some credit card companies for holding their card. discovercard has NO annual fee on any of our cards.

Balance Transfer

Moving a balance from one credit card to another, usually to take advantage of a lower interest rate. discovercard offers excellent balance transfer options to help you save on interest.

Cash Advance

Withdrawing cash from an ATM using your credit card. This usually comes with a higher interest rate and fees, so it should be used only for emergencies.

Grace Period

The time between the end of your billing cycle and your payment due date. If you pay your balance in full by the due date, you won't be charged interest on new purchases.

En-DiscoverCard Blog: Financial Tips & Lifestyle

Article 1: 5 Ways to Save Money on Your Next Vacation with discovercard

Planning a getaway? Your discovercard is the perfect travel companion. 1. **Earn Miles:** Use your Discover Miles card to book flights and hotels, earning unlimited 1.5x miles on every dollar. 2. **No Foreign Transaction Fees:** Spend abroad without worrying about extra charges. discovercard is accepted globally. 3. **Redeem for Travel Credit:** Use your miles to wipe out travel purchases from your statement. 4. **Travel Insurance:** Check your benefits guide for travel accident insurance and rental car coverage. 5. **Cash Access:** Get cash at ATMs worldwide if you need local currency.

Article 2: Why "No Annual Fee" Matters for Your Wallet

Many premium cards charge hundreds of dollars just to keep the account open. At discovercard, we believe you shouldn't pay to pay. Having no annual fee means you can keep your account open forever without cost, which increases the average age of your credit accounts and boosts your credit score. It also means every dollar of cash back you earn is pure profit, not just recouping a fee.

Article 3: Student Financial Success - Building Credit Early

College is the best time to start building your financial future. The discovercard Student Cash Back card offers the same great rewards as our standard cards, plus a statement credit for good grades. By building credit now, you'll be ready for an apartment, car loan, or mortgage after graduation. Just remember the golden rule: only buy what you can afford to pay back.

Extended Frequently Asked Questions

Can I add an authorized user to my discovercard?

Yes, you can add a spouse, child (15+), or friend as an authorized user. They get their own card, and you earn cash back on their spending. Plus, it can help them build credit history.

How do I dispute a charge on my discovercard?

If you see a transaction you don't recognize, you can dispute it instantly via the mobile app or website. We will investigate the charge and may issue a temporary credit while we resolve the issue.

Does discovercard offer referral bonuses?

Absolutely. Refer a friend to apply for a discovercard, and if they're approved, you both get a Statement Credit. It's a win-win for everyone.

How safe is using discovercard online?

Extremely safe. We use encryption technology to protect your data. Plus, you can generate temporary virtual account numbers for online shopping to keep your real card number private.

What is Discover Match?

Discover Match is our exclusive offer for new cardmembers where we match all the cash back you've earned at the end of your first year, dollar for dollar.

Can I change my payment due date?

Yes, you can choose a payment due date that fits your schedule. Just log in to your account or call customer service to request a change.

Does discovercard work with Apple Pay?

Yes, you can add your card to Apple Pay, Google Pay, Samsung Pay, and Garmin Pay for contactless payments.

How do I increase my credit limit?

You can request a credit line increase online or over the phone. We may also automatically increase your limit based on your responsible usage and payment history.

What happens if I miss a payment?

If you miss a payment, you may be charged a late fee. However, discovercard waives the first late fee on your account because we know life happens.

Is there a penalty APR?

Unlike many other issuers, discovercard does not charge a penalty APR. Your interest rate won't go up just because you're late on a payment.