Discover MoreSM Card FAQ
- How does the Cashback Bonus Program work?
If you are a Discover More Cardmember, you automatically earn Cashback Bonus simply by using your Discover More Card.
- Earn 5% Cashback Bonus in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more.
- Earn 5% to 20% Cashback Bonus at top online retailers through our exclusive online shopping site.
- Get up to 1% Cashback Bonus on all your other purchases.
Once you've earned $20 Cashback Bonus or more, you can redeem it in $20 increments multiple ways:
- Get it in cash: credit your Discover Card Account or make an electronic deposit to your bank account.
- Increase, even double, your Cashback Bonus when you redeem for gift cards from our brand-name Partners
You cannot redeem your Cashback Bonus if your Account is delinquent.
Log in to the Account Center to see the Cashback Bonus Terms and Conditions. Not registered for the Account Center? Register Now
- How is my Cashback Bonus calculated?
As a Discover More Cardmember, you get Cashback Bonus for every Discover Card purchase you make. You'll get a Cashback Bonus of:
- 0.25% if the purchase is part of your first $1,500 in total annual purchases
- 0.50% if the purchase is part of your second $1,500 in total annual purchases
- 1.0% if the purchase is part of your total purchases in excess of $3,000
You'll also earn 5% Cashback Bonus in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more when you sign up for each program.
Log in to the Account Center to see the Cashback Bonus Terms and Conditions for additional information.
- Does my Cashback Bonus ever expire?
Your Cashback Bonus never expires as long as you use your Card. However, if your Account is closed, is in default or is inactive for longer than three years, you may forfeit some or all of your rewards. Log in to the Account Center to see the Cashback Bonus Terms and Conditions for additional information.
- How can I redeem my Cashback Bonus?
If you are registered for the Account Center, you can browse all your reward options and redeem online. Log in to the Account Center or call 1-800-DISCOVER (1-800-347-2683) to redeem your reward. Not registered for the Account Center? Register now. You can redeem your reward any time as long as you have $20 or more Cashback Bonus.
- How much of my Cashback Bonus can I redeem?
You can get your Cashback Bonus in increments of $20: $20, $40, $60, etc. For example, if you have $56 Cashback Bonus, you can redeem $40 and the rest of your Cashback Bonus will continue to build.
- How can I find out the status of my Discover Card application?
It can take up to 30 days to process an application. If 30 days has passed since you applied, please call us toll free at 1-800-DISCOVER (1-800-347-2683) to find out the status of your application.
- Why do I need to activate my new Discover Card?
The activation process is a security measure. When you call us to activate your Card, we will ask you to provide your personal information. This is how we ensure that you, not others, are using your Card. To make the activation process as quick as possible, please call us from your home phone. For security purposes, if you receive multiple Card packages in the mail, you will need to activate each one separately.
- If my Discover Card is lost or stolen, will my Cashback Bonus be transferred to my new account?
Yes, we automatically transfer your Cashback Bonus to your new Discover Card Account.
- When does Cashback Bonus show up on my statement?
Newly earned Cashback Bonus will appear on the first page of each monthly statement. You can view your Cashback Bonus amount by logging into the Account Center and going to the Statements page. Not registered for the Account Center? Register now.
- What should I do if I have not received my Cashback Bonus after making a purchase through ShopDiscover?
First be sure to check the terms and conditions of the offer. Many of these offers require eight weeks for the Cashback Bonus to post to your account. If you still haven't received your Cashback Bonus after eight weeks, log in to send us a secure message or call 1-800-DISCOVER (1-800-347-2683).
- Who are the participating Cashback Bonus Partners?
View a list of our partners. You can increase, even double, your Cashback Bonus when you redeem for gift cards from our brand-name Partners.
- Where do I find my Cashback Bonus totals?
Look for your totals on the first page of your monthly Discover Card statement. Or log in to see your Cashback Bonus Summary online in the Account Center. Not registered for the Account Center? Register now.
- Can I request an additional Discover Card online?
In Customer Service within the Account Center, you can request new designs for your Card, add an Authorized User to your Account or request a replacement for a worn or damaged Card. Just log in to the Account Center, go to Customer Service and choose either the “Request or Replace a Card” link or “Add a Person to Your Account” link under Account-Related Requests.
- How can I get cash with my Discover Card?
You can get cash at over 150,000 Discover Cash Network ATMs 24 hours a day, 7 days a week. All you need is your PIN and your Discover Card. You can also stop in at one of more than 58,000 participating banks and financial institutions for quick cash using your Card and photo ID. To find participating ATMs and banks, visit our ATM Locator.
- What should I do if my Discover Card is lost or stolen?
Call us immediately at 1-800-DISCOVER (1-800-347-2683) to report the Card’s loss or theft. We will close your Account and reissue you a new Account number and Card(s). If your lost/stolen Discover Card is registered at the Account Center, you’ll need to re-register when your new Card arrives in the mail.
If you use our Auto Bill Pay online service, we will contact your biller directly to inform them of your new Account number and expiration date.
If you have set up automatic payments directly with billers outside of the Auto Bill Pay service, you will need to contact them with your new Account number and expiration date.
- Can I change my address, phone number and e-mail address online?
Yes. log in to the Account Center, go to Personal Profile, and then click on “Update Your Personal Information.” You can change your Account information in addition to managing other aspects of your Account. Not registered for the Account Center? Register now.
- How can I request a credit limit increase?
Please call us at 1-800-DISCOVER (1-800-347-2683). A Customer Service representative will ask you a few questions and process your request. Credit limit increases may be requested only by telephone at this time.
- What if I have questions about my interest rate?
To discuss your interest rate, call us toll free at 1-800-DISCOVER (1-800-347-2683).
- What security measures are in place on Discovercard.com?
Making sure you're secure when you manage your online Account at Discovercard.com is one of our top priorities. We currently have multiple industry-standard security solutions in place including:
- 128-bit Secure Socket Layer (SSL) that encodes the personal information you send over the Internet
- Multiple firewall layers
- Active system monitoring to provide real-time alerts
Our $0 Fraud Liability Guarantee ensures that you’re never responsible for unauthorized usage of your Discover Card.
- How can I tell if the web page I'm on is secure?
Web pages have two indicators that they are secure:
- A padlock icon at the bottom of the browser window (you can click the padlock to verify the identity of the site to which you are connected)
- A Web address that starts with “https” instead of “http”
These indicators assure you that the page—and your information—is protected. You will always see both when you log in to the Discovercard.com Account Center. If you do not see both of these indicators on the log in page of the Account Center, do not log in to the site and close your browser immediately. To make sure that you are always logging in to the Discover Card Web site, we suggest that you bookmark our home page or log in page and use it to access the site.
- How can I tell if an e-mail is really from Discover Card?
Authentic e-mails from Discover Card will come from one of these five addresses:
- discovercard@email.discovercard.com
- discovercard@service.discovercard.com
- websupport@service.discovercard.com
- discovercard@autobillpay.discovercard.com
- discoverbusinesscard@email.discovercard.com
If you receive what appears to be a fraudulent e-mail from us, please call 1-800-DISCOVER (1-800-347-2683) immediately.
Please note that messages you receive in the Account Center at Discovercard.com are always secure.
- Can I pay my Discover Business Card bill online?
Yes, all you need is a blank check for your account to enroll. Enter your banking information once during sign up and you'll never have to enter it again. There's no charge for using this service. To enroll or make a payment, log in to the Account Center. Not registered for the Account Center? Register now.
- What should I use for my Account Center password?
A good password is easy for you to remember—but hard for somebody else to guess. Avoid using passwords that others might guess, such as a birth date, Social Security Number or pet's name.
Select passwords you'll remember, but try replacing some of the letters with numbers—“secret” might be “s1cr1t,” for example. And mix up your passwords—use different passwords at different Web sites.
- Do I need to log out of the Account Center?
Yes, log out by clicking the “Account Center Log Out” link at the top of the page. You’ll see a new page confirming that you've logged out.
If you don’t log out, others using the same computer could potentially access information saved or cached in the memory of the browser. As an extra precaution, close your browser’s window before leaving the computer.
- If I request a new Discover Card design, will my account number stay the same?
Yes. The terms of your agreement will remain the same, including your Account number, interest rates, statement closing date, Cashback Bonus and Account Center settings.
- I requested a new Discover Card Design, what should I do with my current Card?
Since your Account Number will not change, your current Card will remain active until the expiration date. Continue using it until the expiration date shown on the Card or call us at 1-800-DISCOVER (1-800-347-2683) to deactivate the Card. You do not need to return your current Card to us. If you choose not to use your old Card, please destroy it.
- How can I request a Personal Identification Number (PIN) for ATM's and cash advances?
Please call us at 1-800-DISCOVER (1-800-347-2683) from your home telephone. A Customer Service representative will ask you a few questions and process your request. PINs may be requested only by telephone at this time.
- How long does it take to process a balance transfer to my Discover Card?
When you request a balance transfer, Discover Card makes a payment to your other creditor(s). It may take up to two weeks for them to receive the funds and credit your other account. This means you should make payments to your creditor(s) until the balance transfer is complete to avoid late fees and finance charges. It’s best to contact your other creditor(s) to confirm they have received the balance transfer.
The balance transfer may post to your Discover Card Account at any time within the two-week period. You can check to see if it has posted by logging in to the Account Center and clicking on “View activity since last statement.” Not registered for the Account Center? Register now.
- If I am currently enrolled in CreditSafe Plus credit insurance, can I switch to Discover Payment Protection credit protection?
Yes. First, you’ll need to cancel your CreditSafe Plus coverage. Then enroll in Discover Payment Protection. To make changes to your coverage, clarify which coverage you have, or both, call 1-877-883-1959 toll free Monday through Friday, 8:00 a.m.—8:00 p.m. Eastern Time.
- What are the numbers on the back of my Discover Card?
On the back of your Discover Card, there is an area where you sign your name. If your Card was printed before July 2003, you will see two sets of numbers including your 16-digit Account number (see Card A) OR the last four digits of your Account number (see Card B). If your Card was printed after July 2003, you will see three sets of numbers (see Card C).
Cards Printed Before July 2003
Cards Printed After July 2003
These numbers are part of the state-of-the-art technology that we employ to enhance security and Cardmember convenience. The Cardmember ID number is used to verify transactions made when the Card is not present, such as Internet or catalog purchases.
It is also required when registering for the Account Center. The sequence number, which always begins with the letter “A,” will be used for future product and security enhancements.
- Why does my Discover Card have an orange edge?
It was designed to help you easily find your Discover Card in your wallet. More than a color, the orange "core" is a visual reminder of Cashback Bonus and our commitment to helping you make your money go further and to providing the standard of service you deserve.
- Can I contact Customer Service about my Discover Card Account online?
Yes. In the Account Center, you can use the secure online message form. This form is the safest way to ask questions and get answers about your Account using the Internet. Because the messages are sent within the secure Account Center, only the users on your Account with Account Center access and our Customer Service representatives can view them. Log in to the Account Center, go to Customer Service and click “Secure Account Center online message form” or “Ask a General Question.” Not registered for the Account Center? Register now.
- Can I contact Customer Service via e-mail?
For security reasons, we don’t recommend contacting us by regular e-mail. Instead, use our secure online message form in the Customer Service area of the Account Center. Log in to the Account Center and click “Secure Account Center online message form” or “Ask a General Question.” Not registered for the Account Center? Register now.
