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How to cancel a Discover credit card

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Discover makes canceling your card easy, but be prepared to stand your ground.

Card issuers will almost always try to keep you as their customer. This often involves making it hard for you to cancel your card without talking to a representative over the phone or in person. When you talk to someone, they could offer you a better deal and will try to convince you to stay.

Despite that, Discover cards are relatively easy to cancel — though you can’t do it without calling. If you’re determined to close your account, be prepared to stand your ground and decline their offers.

Looking for a new card?

When one door closes, sometimes another one opens. Getting another card might have a positive impact on your credit score if you increase your credit limit. It’s always best to consider your financial situation and look for a card that can add value to your wallet before you apply.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
13.99% variable
0% for the first 15 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
11.99% to 21.99% variable
1.99% for the first 6 monthly billing cycles (then 11.99% to 21.99% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$0
20.74% variable
Designed for college students to build credit history and earn rewards.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.

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What steps should I take before canceling my Discover credit card?

  1. Pay off your balance. When you cancel your Discover credit card, your outstanding balance will remain. It’s always best to pay off your debt before canceling a card, but Discover will let you pay off your debt even if the card is closed.
  2. Redeem your rewards. Make sure you redeem your rewards before closing your card. If you don’t, Discover will credit your account with your reward balance.
  3. Contact customer service. Call 800-DISCOVER (347-­2683) to close your account.

How do I cancel my Discover credit card?

Once you call and let the bank know you want to close your account, they’ll likely ask for a reason. This is to gauge what to offer you in order to get you to stay. Let’s say you tell them the APR is too high for your taste. In this case, they could offer you a lower APR or an interest-free period.

This can be a good bargaining chip that could land you better conditions than you already have with other cards. In this case, you might consider closing another card and keeping your Discover credit card.

However, if you’re completely set on closing your account, turn down the offers and make sure you have the following nearby:

  • Your credit card and account information.
  • Reason for canceling the card — you can provide any reason you like.
  • Pen and paper to take down the representative’s ID and name in case you need it later.

Once you’ve gathered everything, call 800-DISCOVER (347-­2683).

Will canceling my Discover credit card affect my credit score?

In some cases, closing your Discover card will affect your credit score. Especially if you owned the card for a long time and had a large credit line.

If you’re applying for a loan or if you’re considering applying in the near future, you might want to wait for the loan to be approved before canceling your Discover credit card. That way, you’ll avoid getting poor loan terms from a slight credit score decline that could happen when you close your card.

But if you have a good credit score and low utilization levels, closing your card could have minimal impact.

What should I do after canceling my Discover credit card?

It’s always good to know for certain that your account is closed. To that end, consider writing a cancelation letter to Discover. This should include:

  • Your name and address.
  • Credit card number.
  • Date of cancelation and the name and ID of the representative you talked to.
  • Request for an account closure confirmation letter.

You can send your letter to:

Customer Service – General Inquiries
Discover Financial Services
P.O. Box 30943
Salt Lake City, UT, 84130-0943.

So you’ve closed your Discover card. Now what? Consider an alternative replacement and compare your credit card options to find the best you’re eligible for.

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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