Discover credit card mobile app review

Simplify your credit card management with your smartphone.

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The Discover credit card mobile app is an excellent tool for managing your finances. You can monitor your bank deposit account, your personal loan account and your credit cards directly from your smartphone.

Benefits of the Discover credit card mobile app

Getting the Discover credit card mobile app comes with many features. Using the app, you can:

  • Monitor your accounts.
    Keep an eye on your balance, available credit and transactions.
  • Make payments.
    Pay your balance, deposit checks and transfer money.
  • Redeem rewards.
    Redeem your Discover rewards for statement credit or a deposit, or redeem for gift cards and eCertificates.
  • Free credit score access.
    Get access to your FICO credit score at any time through the app.
  • Card freeze.
    Freeze or unfreeze your card in case of theft or loss to prevent card misuse.

Drawbacks of the Discover credit card mobile app

There are no drawbacks to downloading the Discover credit card mobile app since it’s free and can help you manage your credit card accounts.

Customer reviews

Users report loving the Discover credit card mobile app. They love the features and the app’s simplicity. But just as with any mobile app, some users have reported bugs although not as many as with competitor bank apps.

The J.D. Power’s credit card mobile app satisfactory study from 2019 rates Discover credit card mobile app with five power circles, the highest rating — only two credit card mobile apps have this rating. For the Discover credit card mobile app, this is a one circle jump from the previous year when it had four.

Compare Discover credit cards

If you already own a Discover credit card but want another, the Discover credit card mobile app can help you manage multiple cards.

Name Product Filter values Rewards Purchase APR Annual fee
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 14 months (then 13.49% to 24.49% variable)
$0
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
1.5x miles on all purchases
0% intro for the first 14 months (then 13.49% to 24.49% variable)
$0
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases
0% intro for the first 14 months (then 13.49% to 24.49% variable)
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
24.49% variable
$0
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 6 months (then 14.49% to 23.49% variable)
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.

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Bottom line

The Discover credit card mobile app is free to download and it comes with many features including easy account monitoring, freezing or unfreezing your card, accessing your FICO score and more.

If you already own a Discover credit card, you can download the app and log in with your online banking ID and password. But if you still haven’t chosen a card, compare Discover credit card options until you find the right card for your wallet.

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