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Apply for Discover Credit Card: Choose the Best Way

  • Intro
  • Minimum Payment
  • Balance Transfer

Discover offers a wide range of credit cards. Most of their cards offer rewards, including cash back and miles for airline travel. They also offered a secured card. Most Discover credit cards are designed for those with good credit, which typically means a credit score of 680 or higher. The secured card is suitable for those with poor credit, though.

Compare Discover Credit Cards [12/06/2018]

CARD NAMEANNUAL FEEINTRO APRAPRSBALANCE TRANSFER FEEFOREIGN TRANSACTION FEE
Discover it® Chrome Gas & Restaurant Credit Card$00% intro APR for 14 months from date of account opening. 13.99% to 24.99% 3% of the amount of each transfer. None
Discover it® Student Chrome Credit Card$00% intro APR for 6 months from date of account opening.14.99% to 23.99% 3% of the amount of each transfer. None
Discover it® Secured Credit Card$0None24.99%3% of the amount of each transfer. None
NHL® Discover it® Credit Card $00% intro APR for 14 months from date of account opening. 13.99% to 24.99% 3% of the amount of each transfer. None
Discover it® Cash Back Credit Card$00% intro APR for 14 months from date of account opening. 13.99% to 24.99% 3% of the amount of each transfer. None
Discover it® Student Cash Back Credit Card $00% intro APR for 6 months from date of account opening. 14.99% to 23.99% 3% of the amount of each transfer. None
Discover it® Miles$00% intro APR for 14 months from date of account opening.13.99% to 24.99%3% of the amount of each transfer None

How to Apply For Discover Credit Card Online

There are two options for applying for a Discover card online. You can visit their homepage at www.discover.com. If you’ve been invited to apply, you can visit their website to fill out a special Discover credit card application.

Apply for Discover Credit Card Online Without an Invitation

Even if you haven’t received an invitation, you can still apply for a Discover credit card.

    1. Once you visit their homepage, click on “Credit Cards” near the top left side of the page and select “All Credit Cards.”  

      https://www.discover.com/

    2. Choose the credit card you want to apply for and click “Apply Now.” 

      https://www.discover.com/credit-cards/

    3. Enter your first and last name and click “Continue.” 

      https://www.discovercard.com/application/apply?srcCde=GAYP

Follow the prompts to finish your application.

Apply for Discover Credit Card Online With an Invitation

    1. If you have received an invitation to apply for a Discover credit card, visit their website.
    2. Enter your invitation number and click the orange button that says “Continue.”

Follow the prompts to finish your application.

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Discover Credit Card Customer Service

If you have any concerns or questions about your Discover credit card, contact their customer service representatives at 1-800-347-26-83. If you are outside the U.S., you can contact them at 1-801-902-31-00.

You can also write them at:
Discover Financial Services
P.O. Box 30943
Salt Lake City, UT, 94130-0943.

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Discover Credit Card FAQs

How do you activate a new card?
You can activate a new card by visiting their website or by calling customer service at 1-800-347-26-83. You will need the three-digit code on the back of the card.

Can I transfer a balance?
With most Discover cards, you can transfer a balance as long as you have enough available credit to do so. It can take seven to 14 days to transfer a balance.

Is there a way to avoid paying interest?
You can avoid paying interest on new purchases if you pay your new balance in full every month. If you don’t pay balances in full, you will earn interest unless you have a promotional 0 percent APR.

What should I do if I’m having financial difficulties?
Discover has a dedicated department for helping people who are having financial troubles due to unemployment, illness, or other factors. You can reach them at 1-800-983-14-12.

Can I use my card overseas?
You can use your card for foreign travel. Make sure to notify Discover about your travel plans, though, so your card isn’t declined. You can call their customer service at 1-800-347-26-83 or log into your Discover online account to notify them.

For Example:

Let’s assume the balance on your credit card is $5000, your card’s APR is 23%, and your minimum monthly payment in percentage is 100. Your first payment should be $100. Note that this number is expected to change over time.

To pay off your credit card balance in full, it will take you 2442 months. You’ll pay the overall interest of $99510.62. Your total payment will be $104510.62.

Credit Card Minimum Payment Calculator

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By using this calculator you agree to terms and conditions. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Mycreditcards and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Mycreditcards is not responsible for any human or mechanical errors or omissions.

Watch How Do Balance Transfers Credit Cards Work

Before apply for new credit card estimate your potential balance transfer savings

Online Balance Transfer Calculator

Discover it® Credit Card 1st Year Annual fee $ Annual Percentage Rate (APR) Currently, a variable % - % APR on purchases. (These APRs do not apply to cash advances.)

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