Discover credit card customer service telephone number

Our Business Practices

We adhere to the highest standards of corporate governance and ethical conduct. We believe that accountability, transparency and good decision-making support our business, serve our customers and create value for our shareholders.

Customers who have concerns regarding their own personal accounts can contact Discover's Customer Advocacy Group at 302-328-3300 or visit www.discover.com. Please note that any account servicing question directed to the Discover Integrity Hotline number provided below may be sent to the Customer Advocacy Group for handling.

Concerns relating to ethical or business conduct matters, including accounting, internal accounting controls or auditing matters, may be brought to the Company's attention through an independent vendor engaged to receive calls regarding such concerns. The calls may be made anonymously and confidentially (where allowed by local laws). The telephone number to report such concerns is 1-866-714-1305.

100% U.S.-Based Customer Service

No matter the card, your rewards will never expire and you can redeem for cash at any time.10

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com11, 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 - automatically12

1.5x Miles for every dollar you spend with your card.

1. Discover
2. Credit Cards

Credit Cards

Apply for the best credit card for you

Discover credit cards include rewards like cash back or miles so you can pick the best rewards credit card for you.

All with no annual fee

Earn 5% cash back

on everyday purchases at different places each quarter, up to the quarterly maximum when you activate.

Plus, earn unlimited 1% cash back on all other purchases — automatically.

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

New Intro APR

x% Intro APR† for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Earn 5% cash back

on everyday purchases at different places each quarter, up to the quarterly maximum when you activate.

Plus, earn unlimited 1% cash back on all other purchases — automatically.

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

x% Intro APR† for x months on purchases.

Then x% - x% Standard Variable Purchase APR will apply.

Earn 2% cash back

at gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

Plus, earn unlimited 1% cash back on all other purchases — automatically.

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Build your credit with responsible use.3

x% Standard

Variable Purchase APR.†

Your credit line will equal your deposit amount, starting at $200.4

Earn 2% cash back

at gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

Plus, earn unlimited 1% cash back on all other purchases — automatically.

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

x% Intro APR† for x months on purchases.

Then x% - x% Standard Variable Purchase APR will apply.

Earn unlimited 1.5x Miles

on every dollar of every purchase — from airfare and hotels to groceries and online shopping.

Unlimited Discover Match®

Only Discover will automatically match all the Miles you've earned at the end of your first year.1 There's no signing up, no minimum spending or maximum rewards. Just a Mile-for-Mile match.

x% Intro APR† for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Earn 2% cash back

at gas stations and restaurants on up to $1,000 in combined purchases each quarter.2

Plus, earn unlimited 1% cash back on all other purchases — automatically.

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

New Intro APR

x% Intro APR† for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Earn 5% cash back

on everyday purchases at different places each quarter, up to the quarterly maximum when you activate.

Plus, earn unlimited 1% cash back on all other purchases — automatically.

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!1 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

New Intro APR

x% Intro APR†for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Credit Card FAQs

Find information on Discover cards, how to apply for a credit card online, and more.

A credit card is a revolving loan that you can use to make purchases. Each month you’ll receive a statement telling you how much of the loan you have used and have to pay back. If you pay the statement balance in full by the due date each month, you will not be charged interest on purchases. Otherwise your APR will apply to your unpaid credit card balance and you’ll have interest charges in your next statement. When you apply for a credit card, the credit card issuer will pull your credit report – which could result in a hard inquiry – as one of the factors they use to decide whether to approve your application. Credit cards often provide rewards on purchases, which is usually a percentage of the amount you spent with the card. A credit card comparison shows you different rewards and benefits and can help you find the credit card that’s best for you.

If you’re thinking about how to get a credit card, check your credit score to figure out your likely credit card eligibility. Then, a credit card comparison can help you choose the one that’s best for you. It’s always good to check if you’re pre-approved for a card before you apply. Checking if you’re pre-approved won’t harm your credit, but applying for credit cards may impact your credit score. Check to see if you‘re pre-approved.

It’s always good to check if you’re pre-approved to see your likely offers before you apply for a card. While checking if you’re pre-approved won’t hurt your credit, each full application for a credit card may impact your credit score.

There are many reasons to get a credit card: you may decide to apply for a credit card for the rewards, APR (including intro rates) or sign-up offers. Or you might want to build your credit history. Some credit cards like Discover provide $0 Fraud Liability Guarantee, which means you’re never responsible for unauthorized purchases on your Discover Card.5 Also, credit cards often provide extra benefits, like providing helpful alerts on your spending and more.

Discover credit cards are available on the Discover it® platform, a set of common benefits we’re committed to providing to every customer. However, the rewards and some extra benefits vary from product to product to be sure we can give different customers what they need.

Discover it® Cash Back: earn rewards at different places

Discover it® Miles: great for vacations or staycations

Discover it® Chrome Gas & Restaurants: earn rewards on road trips

Discover it® Secured Credit Card: build your credit history

Discover it® Student Cash Back: students earn rewards at different places

Discover it® Chrome for Students: students earn rewards at gas stations and restaurants

NHL® Discover it®: put your favorite team on your card

You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Select from cash back credit cards or travel credit cards. We also have Discover student cards. All our credit cards earn Discover rewards on every purchase. You’ll need to be 18 or older to apply for a card. If you're not yet 21, you will have to apply online. Discover Secured credit card applicants must also apply online.

Different credit cards require a different credit rating for approval. Some cards are only for people with excellent credit or good credit. Other cards are great if you have fair credit or are building or rebuilding credit. The credit card company will run a credit check as part of its decision to approve your application. It’s a good idea to check your credit score or get a copy of your credit report before applying for a new card.

Discover card credit score requirements vary by product. In general, the standard Discover it® Card is for people with established credit. But the Discover Secured credit card is built for people looking to build or rebuild their credit with responsible use.4 No matter what, cardmembers earn Discover Card rewards on every purchase.

Your credit limit is the maximum amount of the revolving line of credit on your card—or the total amount you can use on your card for purchases, balance transfers, etc. When you apply for a credit card, the bank or credit card company uses a variety of information to decide what credit limit they can offer. As you show responsible credit use, credit card issuers may increase your credit card limit.

You may receive credit card offers in the mail, by email or online. Compare your offers by rewards, sign-up bonus, benefits, APR (including introductory rates), fees and credit limits. Look for rewards programs that fit the way you spend: if you know you will use the card for groceries, gas, dining or travel, you may be able to find a card that helps you earn more. And look for a sign-up bonus that doesn’t have a minimum spending amount required to get your extra rewards.

Credit card companies consider a number of factors in their decision to approve your application, including your credit history and your ability to repay. So they may consider your credit score, income and more. One of the simplest helpful credit habits is to make at least the minimum payment for all of your bills on time every month.

Tools to help you choose the best credit card for you

Are you ready to add a Discover credit card to your credit journey?

Learn how and why you may receive pre-approved credit card offers, what to look for, and how you can opt-out of pre-approved credit card offers.

Learn how to apply for a credit card online, increase your chances of approval and protect your personal information while applying for credit cards online.

Find out which credit cards you qualify for by trying an online card pre-approved tool, checking doesn't impact your credit score and can personalize your offer.

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