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What Can You Do with the Discover App

Last Updated: August 28, 2024
4 min read
Using your credit card

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Key Points:

  1. The Discover mobile app allows you to manage your account, which includes monitoring recent activity or interest accrued on charges and savings.

  2. The app can alert you to login activity and helps you make payments, too.

  3. Discover’s Spend Analyzer can provide you with specific data on how you spend your money and areas where you can save.

Using your smartphone or tablet to manage credit card payments or account activity may help you save time, money, and hassles. If you're a Discover cardmember, you can use the Discover mobile app (available via the Apple App Store or Google Play) and there you can perform most of the tasks that you’d perform on the Discover website or by calling customer service. So, what can you do with the Discover mobile app?

Download the Discover mobile app

To download the Discover mobile app, you need an iPhone or Android-based phone and a compatible operating system. (The Discover mobile app is not available on Windows phones.) You can text APP to 20877 on your iPhone or Android phone to get a download link sent directly to your device. You can also use the links below.

Set up your Discover app login

Once you've downloaded the Discover mobile app to your device, use your online Account Center user ID and password to sign in.

Not registered for the Account Center? Register now.

Manage your account

From the app’s Activity screen, you can quickly check your current balance, last statement balance, and any rewards you’ve earned. The Activity screen serves as your homepage or dashboard.

The Activity section of the Discover mobile app allows you to pull up recent activity, search transactions, tag transactions, view statements, and balance transfer offers.

See if you’re pre-approved

To keep track of the activity on your Discover credit card account, go to Recent Activity to see purchases, payments, accrued interest, and charges. Filter results further by searching for transaction types and tag them for proper categorization.

Manage your payments

The Payments section of the menu shows current balance as well as previous statement balance. It allows you to make a payment, see recent payment activity, view automatic payments, change payment due date, and view the bank accounts you’ve connected to draw payments from. Making a payment to your Discover Card account with the Discover mobile app takes just four steps:

  • Log into the app and select Payments from bottom navigation, then select ‘pay’.
  • Choose the payment amount you wish to make—current balance, statement balance, minimum payment, or another value.
  • Choose your preferred bank account, and whether you’d like to apply any of your earned Cashback Bonus® to the payment.
  • Tap “Continue to review”, and then verify the information before tapping the confirmation.

Note: You can also make a payment from the Activity screen by clicking ‘Pay’ near the Statement Summary.

Manage your rewards

Another exciting feature of the Discover mobile app is the ability to interact with your rewards. In the Rewards section of the menu, you can handle a variety of tasks:

  •  Enroll in Cashback Bonus or Miles promotions if your card is eligible for the program.
  • See how to earn your Cashback Bonus and the progress towards activated rewards.
  • Refer Discover to a friend to earn a statement credit for each friend that becomes a cardmember. Eligibility requirements apply. See terms & conditions.1
  • Redeem your earned Cashback Bonus for a statement credit, electronic deposit, and certain retail gift cards (which offer additional value).
  • See your rewards redemption history.

Manage your credit cards

From the Services section of the menu you’re able to:

  • Manage your cards and devices, request a new card design, and add an authorized user.
  • Request a card with a new image.
  • Request credit line increases.
  • Report your card lost or stolen.
  • Request a replacement for a damaged card.
  • Review balance transfers.

Manage your mobile alerts

You can access the Alerts section via the More section of the bottom navigation. Under Alerts, you can manage:

  • Push notifications
  • Account activity alerts
  • Account security alerts
  • Set limits for transactions and balances

Manage your messages

You can also access the Customer Service section via the More menu in the bottom navigation. In this section you can:

  • Chat with Discover representatives when they’re available.
  • Access the Secure Message Center, where you can send and receive messages about your account.
  • View Frequently Asked Questions.
  • Set up a notification to let Discover know you'll be traveling.

Use the Discover Spend Analyzer

To help manage your spending, take the opportunity to review your spending with Discover Spend Analyzer. You can access the tool through the Activity section in the bottom navigation. This tool sorts your Discover Credit Card purchases into several categories, such as restaurants, groceries, and services, so you can track and learn about your spending habits. View your spending patterns for the past one to six months or longer and compare your spending across categories. Choose to view the details in a pie chart, graph, or list format. This may help improve your budgeting skills.

Other mobile app features:

  • Travel notification: Register travel or any upcoming trips to ensure uninterrupted use of your card while traveling.
  • SSN Alerts: We’ll monitor thousands of Dark Web sites and alert you if we find your Social Security Number.2 Activate for free.
  • Turn your account on/off with Freeze it®: Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances and balance transfers.3

Did you know?

With a Discover Card, you get all these features plus rewards on every purchase. Choose the best credit card for you that earns the type of rewards that match your spending habits.

Learn More

Discover app account security FAQs

If you lose your mobile device or it gets stolen, please call Web Support at 1-877-742-7822 to disable your quick view settings.

To protect your account security, we advise that you call 1-877-742-7822 to disable Passcode on all your devices. This will prevent others from attempting to log in to your account with your Passcode.

On the Passcode login screen, you can select “Forgot Passcode.” The app will then prompt you to log in with your user ID and password and create a new Passcode.

Yes. You can log in with your user ID and password at any time by clicking on “User ID Login” from the login screen.

For security purposes, the app will lock access after three failed attempts. You can call 1-877-742-7822 to talk to a customer service representative about unlocking your account.

Yes. You can still view the Discover website from your phone’s browser if your mobile device has internet access. By accessing Discover.com from your mobile device, you can view your account summary, view account activity, view payment history, make payments, view rewards details, and enroll in rewards programs.

If you have a question about the app, please call Web Support at 1-877-742-7822. For general questions, please contact Customer Service. Taking a moment to familiarize yourself with the Discover mobile app can help you easily manage your account on your mobile devices.
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  1. Refer-a-Friend: Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if the person they referred applies online for the specific offer sent via the digital link provided and is approved by 11:59 pm ET, December 31, 2024. Phone, mail-in, and other digital applications are not eligible for referral rewards. Maximum annual referral amount will be stated in individual referral offers upon login. You are not eligible to refer if you have a Discover it® Secured Credit Card, or Discover it® Business Card. For other product types, eligibility will not begin until your account has been opened for at least one billing cycle. Your account may not always be eligible for refer-a-friend. Your account must be open and in good standing to receive your referral reward. Each eligible referral will receive a statement credit after making a purchase within three months of opening a new Discover account. A Balance Transfer or Cash Advance does not qualify as a purchase. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. You will not be notified whether a specific referral was approved or declined. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Statement credits you receive may be taxable to you. Please contact your tax advisor. Offer may not be combined with any other introductory offer.

  2. Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (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. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. 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.

  3. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, 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.

  • Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.