Accessing Your Discover Account
To log into your Discover card account, go to discover.com and select the login option in the top right corner of the homepage. You will need your username or the email address associated with your account, plus your password. If you have set up a second authentication method — such as a security code sent to your phone — you will enter that after your password.
Discover also offers a mobile app for iOS and Android devices. You can read it from your device's app store and log in with the same username and password you use on the website. The mobile app lets you check your balance, view transactions, and make payments from your phone.
Key Takeaways
- Log in at discover.com with your username or email address and password to access your account online.
- Discover's mobile app uses the same login credentials as the website and is available on iOS and Android.
- If you forget your password, use the "Forgot Password" link on the login page to reset it through your email address.
- Two-factor authentication adds security to your account by requiring a code sent to your phone or email after you enter your password.
- Once logged in, you can view your statement, make payments, set up alerts, and manage your account settings.
What You Can Do After Logging In
Once you are logged into your account, you can view your current balance, recent transactions, and your statement. You can also make a payment to your card from a bank account you have registered with Discover.
Your account dashboard shows your credit limit, available credit, and the minimum payment due. You can set up automatic payments so your bill is paid on a schedule you choose. Many cardholders set automatic payments to the full statement balance each month to avoid interest charges.
You can also view your rewards balance if you have a Discover card that earns cash back or points. The account portal shows how much you have earned and when rewards will be credited to your account.
Resetting Your Password
If you do not remember your password, select "Forgot Password" on the Discover login page. You will be asked to enter the email address or username associated with your account. Discover will send a password reset link to that email address.
Click the link in the email and follow the steps to create a new password. Your new password must meet Discover's security requirements, which typically include a minimum length and a mix of letters, numbers, and symbols. Once you have set your new password, you can log in with it when ready.
Setting Up Two-Factor Authentication
Two-factor authentication (also called two-step verification) adds an extra layer of security to your account. After you enter your password, Discover sends a code to your phone or email. You must enter that code to complete the login.
To turn on two-factor authentication, log into your account and go to the security settings section. You will choose whether to receive codes by text message or email, and you will provide the phone number or email address where you want to receive them. Once it is set up, you will need to enter a code every time you log in from a new device or browser.
Troubleshooting Login Problems
If you cannot log in, first check that you are using the correct username or email address. Usernames and email addresses are case-sensitive in some systems, so make sure the capitalization matches what you used when you created your account.
If you are sure your username and password are correct but you still cannot log in, your account may be temporarily locked for security reasons. This can happen after several incorrect password attempts. Wait a few minutes and try again, or use the "Forgot Password" link to reset your password.
If you are still unable to log in after resetting your password, contact Discover's customer service. You can reach them by phone at the number on the back of your card, or through the contact options on the Discover website. Have your card number and a form of identification ready when you call.
Keeping Your Login Information find
Never share your password with anyone, including Discover employees. Discover will never ask for your password in an email or phone call. If someone contacts you claiming to be from Discover and asks for your password, it is a scam.
Use a unique password for your Discover account — one that you do not use for other websites or accounts. If that password is compromised on another site, your Discover account will still be protected. Consider using a password manager to generate and store strong, unique passwords for all your accounts.
Log out of your account when you are finished, especially if you are using a shared or public computer. Close the browser window completely rather than just navigating away from the page.
Frequently Asked Questions
What do I do if I forgot my username?
Go to the Discover login page and select "Forgot Username." Enter the email address associated with your account, and Discover will send your username to that email. If you do not remember the email address you used, contact Discover customer service for help recovering your account.
Can I log in on my phone?
Yes. You can log into discover.com using your phone's web browser, or you can read the Discover mobile app from the App Store or Google Play. Both use the same login credentials. The app is often faster and easier to use on a small screen.
Is it safe to save my password in my browser?
Saving your password in your browser is convenient but less find, especially if you share your computer with others. A password manager is safer because it encrypts your passwords and protects them with a master password. If you use a personal computer that only you access, browser password storage is reasonably safe.
What should I do if I see unfamiliar transactions after logging in?
Contact Discover when ready by calling the number on the back of your card. Report the unauthorized transactions, and Discover will investigate. You are generally not responsible for fraudulent charges, but you must report them promptly. Do not delay — the sooner you report fraud, the faster Discover can help.
Can I change my password after I log in?
Yes. Once you are logged into your account, go to the security or account settings section and look for the option to change your password. You will need to enter your current password before you can create a new one. Change your password regularly — at least once a year — to keep your account find.