– Guide to Manage your Discover Credit Card Account

Discover Credit card Apply, Login, and Activate:

Discover credit card is known as a major credit card company that provides its cards to many individuals, students, and businesses. You will get special discounts on products along with rebates with all purchases. You can also earn reward points in case you make purchases of different types in their stores. Through this credit card, users will be able to endorse and facilitate buying stuff from a gas station.

You have to follow certain terms and conditions that apply to the credit card. Here in this article, you will get the complete details about activating the Discover credit card. So, if are planning to activate the Discover credit card then check out the complete article.

Features and benefits of Discover Card:

You can enjoy the features and advantages of the Discover card after activating it on your device. Here below we have mentioned some unique features of this card that you must check out before starting the activation process.

  • You will get up to $100 back if you purchase initially $200 or more in a single transaction at any [brand] store.
  • You’ll receive 5 percent off on your qualifying regular transactions or orders after becoming a member that is charged to the card.
  • You will get an application for your credit on anything after receiving a credit case around 24 months.
  • You can access their award-winning customer service team and a $300 Tax Credit Certificate card after finishing your case.
  • You will get an additional 6 months of special funding after spending $299 or more on anything in the store. This limited-time offer will help you with your student’s education.
  • This card will provide you with a full 12 months to enjoy your new account with 0% financing and fixed rates for up to 20 years. This card contains no annual fees and no risk.
  • You will get online access to your credit information, financial goals, online account management, and more, with flexibly scheduled payment options and no annual credit card fees 24*7.

Apply for Discover Credit card:

Apply for your Discover credit card by following just a few simple steps given below.

  • You have to visit the official website of Discover credit card first com.
  • You can also apply by calling 1-800-DISCOVER (1-800-347-2683).
  • Select among cashback credit cards or travel credit cards and read their features and benefits according to your need. They also have Discover student cards and a Discover business card.
  • You must be 18 or older to apply for a card.
  • Then click on Apply now button just present on the right side of the card you want.
  • You will be redirected to a new page.
  • Fill up the form with the correct personal details required in the fields given.
  • Provide accurate information about your employment and financial status.
  • After submitting the bank will review the form.
  • You will get a reply within 60 sec.

How to check you are pre-approved for a Discover Credit card:

You have to match your financial profile is by using the card issuer’s pre-approval tool. Before applying for a Discover credit card, you have to check if you are pre-approved for a Discover Credit card. This tool will figure out the credit score for a Discover card. You just need to follow the basic steps mentioned below.

  • You have to visit the Discover site first.
  • You will then tap on the “All Products,” “Credit Cards,” and then “See if You’re Pre-approved.”
  • You have to provide the information needed and fill out the pre-approval form.
  • Finally, tap on the “Check Now” button to see your results.

Interest rates:

  • Annual Percentage Rate (APR) for Purchases: 22.99%
  • APR for Balance Transfers.: For 6 months from the date of the first transfer intro APR will be 10.99%
  • APR for Cash Advances: 24.99%
  • Penalty APR and When It Applies: None
  • How to Avoid Paying Interest on Purchases: After the close of each billing period, your due date will be 25 days.
  • Minimum Interest Charge: the charge will be no less than $.50.


  • Annual Fee; None
  • Balance Transfer: Intro fee of 3% of the amount of each transfer with the 10.99% intro APR balance transfer offer. You will get 5% of the amount of each transfer.
  • Cash advance: You will get $10 or 5% of the amount of each cash advance.
  • Late payment: After the first time late payment you will get none. You will get up to $40 after that.
  • Returned payment; You will get Up to $40.

Discover Credit Card Activation:

Online method:

You can earn cashback and rewards on your purchases through this Discover credit card. If you want to activate your Discover credit card through an online method then you have to visit the activation site. Then you have to provide your credit card number and the answer to a security question that was supplied when you applied for your Discover credit card. You will also provide your other personal data while making your way through the activation system. You must follow these steps to activate your card.

  • Visit the activation page of Discover credit card
  • You must sure to carry out an online account to start this process.
  • You have to tap on the “Secure Login” button.
  • You will need to provide your user ID and password in the given space.
  • You have to create your profile and implement the online activation process.
  • After Signing in to your account, you have to press the Activate Your Card option.
  • Then follow the on-screen formalities.
  • Tap on the Next button and you have to provide the details like SSN, security code, and credit card number in the given space.
  • You have to tap on the Next button.
  • You will need to follow the on-screen activation steps.
  • Press Activate your card option.
  • You have completed the card activation process.

By phone:

You can call the Discover Credit card customer support executive to activate your card. the process shouldn’t take more than a few minutes and you’ll be able to use your credit card immediately upon activation.

  • You can call General support- 1-800-Discover (1-800-347-2683)
  • You will get proper assistance and help for activating you discover credit card.
  • You have to provide the card number, expiry date, CVV number on the invoice page for confirming the account details.

Through activation page:

You can activate your card through the activation page.

  • You have to visit the official Discover Card Activation URL, which is
  • Then you will need to follow the steps to create your online account.
  • You have to provide your user id and password.
  • Log in to your account.
  • Then follow the steps and agree on all terms and conditions.


discover credit card activation


  • Your Discover Card has been activated successfully.

Create Online Account in Discover Credit Card:

If you want to activate and get access to your card then you have to enroll in an online account of Discover. Follow the mentioned steps to create a new one.

  • First, visit the activation page of discover credit card.
  • There you have to provide the last 6 digits of your card and your full Social Security number.
  • Then you have to create a username and password.
  • With this user id and password, you can sign in to your account at any time.

Benefits of Online Banking:

  • You can easily view your statements online.
  • Your every single transaction can be tracked.
  • Online credit card bill payment.
  • Alert receive on your mobile phone or email.
  • You can check balance and account activity anywhere, anytime from your smartphone or laptop.


Also Read: How to Manage your Barclays Credit Card Account


Discover Credit card Login:

If you want to log in to your online account of Discover credit card then follow the steps mentioned below.


discover credit card login


  • Click on the login option.

Recover Login information for Discover credit card:

If you have forgotten the user id or password then don’t need to worry. You can get access to your online account again by following these simple steps.


discover credit card reset password


  • You will find these options under the ‘Secure Login’ section.
  • You have to provide your Account ID card Number in the given place.
  • Then provide your Billing Zip Code there.
  • Then you have to enter the User ID and Zip code in the given space.
  • Then tap on the “Find User ID” or “Continue” button to complete the recovery process.

Discover Credit card bill payment:

You can make your bill payments through online banking, mobile app, on-call, or mail also.

Online bill payment:

  • First, you have to visit the login page of Discover Credit card
  • Then provide your user id and password.
  • Click on the sign-in button.
  • Once you have logged in to your account click on the bill pay option.
  • Then you have to choose how much you have to pay.
  • Then select when you want to pay.
  • Add a person or company you want to pay.
  • Click on making payments.

Through Mobile app:

  • You can text APP to DISCOV (347268) to download the app to your phone.
  • Open the app on your android.
  • Login to your account using your user id and password.
  • You have to select your card.
  • Click on the make a payment option.
  • You can also pay your bill through the online bill pay service from your bank account.

Payment through mail:

If you want to make your payment through mail then you can send a Mail in your payment with the payment coupon on your statement.

You have to send it early enough that it will arrive by the due date.

  • Call In payment:

You can Call 1-800-DISCOVER (1-800-347-2683) and enter your card information when prompted.

  • Payment at branch:

You can easily make your payment through visiting any Discover credit card branch during normal business hours.

How to fund your Account using a Discover Card:

If you want to add money in your account with your credit card then don’t worry. You will have to follow these simple steps to fund your account using Discover credit card.

  • First you have to login to your account.
  • Then you have to press the ‘Cashier’ tab and select ‘Deposit’ option.
  • You will need to choose this deposit option simply click on the icon.
  • Then provide your deposit amount and bonus code.
  • You will have to provide your card details including the Card Number, Name on your Card, Expiry Date and CVV2.
  • You have to sure that the information related to your card, such as credit card number, CVV2 number and expiration date, is entered correctly.
  • In the next screen you must be sure that your credit card transaction has been successful or unsuccessful.
  • An error message with the reason for failure will appear if the transaction fails.
  • Finally, you will get a deposit success page and a unique transaction ID.
  • If required you might have to log out and log back in to your account.

Lock and unlock Discover Credit card:

When you realize that you have lost your credit card then don’t worry because Discover credit card is here to eases this pain a little by allowing you to lock your card from their app. So, if you temporarily misplace your card and don’t want to change your account number then you can freeze your card easily. They will ensure that it can’t be used if someone picks it up. And you can unlock it just as easily when you will find it. Follow some simple steps given below to lock and unlock your card.

  • First, you have to visit the Discover Credit card page
  • Then tap on the freeze your card option.
  • Then you have to log in to your credit card using your user id and password.
  • Then click on the lock your card option present below your card.
  • Then a confirmation page will appear where you can read what you can and can’t do with a locked card.
  • And when you want to unlock your card just tap on the green lock card switch to unlock it again.
  • A confirmation message will appear that your card has been unlocked and ready to use.

Customer Support:

For further queries.

  • You can message an agent for any issue related to your Discover credit card.

Message a U.S. -based agent to get your questions answered.

  • Call Customer care number for any card related issue


They’re available to help you 24 hours a day. (1-800-347-2683) (English/Español)

  • Call customer care OUTSIDE U.S.

1-224-888-7777 (English/Espanol)

  • TDD



Payment addresses are based on your current address. Please review the address listed on your periodic statement you have to ensure your payment is received at the correct location.

PO Box 6103 Carol Stream, IL 60197-6103

PO Box 29013 Phoenix, AZ 85038-9013

PO Box 70176 Philadelphia, PA 19176-0176

PO Box 71242 Charlotte NC 28272-1242

  • For general inquiries,

Discover Financial Services P.O. Box 30943 Salt Lake City, UT 84130-0943

  • For issues related to Discover Gift cards,

P.O. Box 52145 Phoenix, AZ 85027-2145


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