Discover it Cash Back Login Help and Online Payment Tips

Discover it Cash Back Login Help and Online Payment Tips

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The Discover it® Cash Back card lets cardholders earn 5% cash back on certain everyday purchases each quarter — on up to $1,500 in purchases per quarter when they enroll — and unlimited 1% back on all other purchases. The top-earning category rotates, so strategic spending can pay off.

Discover it® Cash Back cardholders also get to enjoy a perk that Discover is known for – a cashback match for the first year. So anything you earn in the first 12 months of being a cardholder will be doubled.

Logging in to the Discover it® Cash Back card

  • Head to the Discover website.
  • Click the “log in” button in the upper right corner.
  • Enter your username and password, then select “credit card” from the drop-down menu.
  • Then click “log in.”

Did you forget your Discover username or password?

Discover lets you retrieve either your username or password if you forgot it. Click on the “Forgot User ID/Password?” link in the "Log In" box.

After that, you have to choose which account login information you need. Under "Credit Cards," select either “forgot user ID,” “forgot password” or “forgot both.”

Next, you’ll be taken to a screen to enter your credit card number, card expiration date, date of birth and last 4 digits of your Social Security number.

Once you are logged into your account, select "Account Profile" from the top of your screen. In your Account Profile, you can either view your current user ID or select a new one under the "Account Information" section, which is the first section on the Account Profile page.

For a forgotten password, if you do not have your card information, you can reset your password by calling Customer Service at 1-800-DISCOVER. You will then receive an email with a temporary password. The temporary password is only good for 72 hours, so please make sure you create a new password as soon as you log in by selecting "Account Profile" at the top of your screen and clicking the "Edit" button under "Account Information" on the Account Profile page.

How to make a Discover online payment

To make a payment on any of Discover’s credit cards, start by logging in to your account. Then, click on the "Payments" tab and select "Make a Payment." You may make up to two payments per day, using different bank accounts.

Customers can also set up an automatic payment (either a minimum payment, statement balance or an amount of your choosing) to be deducted from your bank account each month. Or, if you prefer, you can make payments over the phone or by mail.

Contact Discover customer service

For just about any inquiry, you can start with 1-800-Discover and you will be directed to the appropriate department. The Discover website also lists specific numbers if you’re dealing with a suspected or reported fraud issue.

ContactPhone number
To report suspected fraud1-866-240-7938
For open fraud investigations1-800-347-7466

Other ways to contact Discover Service

By mail:

For payments, send to:

Discover Financial Services

P.O. Box 6103

Carol Stream, IL 60197-6103

For general inquiries, send to:

Discover Financial Services

P.O. Box 30943

Salt Lake City, UT 84130-0943

By email:

Discover doesn’t have a dedicated customer service email, but you can log into your account to initiate a live chat.

Opening a new Discover account

Click the “Apply Now” button on the Discover homepage to apply for the Discover it® Cash Back.

Choose your card design.

Then fill out the application. It contains the following fields:

  • Name
  • Home address
  • Primary phone number
  • Email address
  • Date of birth
  • Social Security number
  • Citizenship status (select from the drop-down menu of choices)
  • Employment status (select from the drop-down menu of choices)
  • Total gross income
  • Monthly housing/rent payment
  • Bank accounts owned (select from the drop-down menu of choices)

Hit submit.

After the credit check is complete, you may get an instant approval or denial right on the screen. In some cases, your application may need further review. In such cases, Discover also lets you check your application status online.

Once you are approved, you can expect your card to arrive by mail in seven to 10 business days.

Dawn Papandrea is a writer specializing in personal finance topics including credit cards, family finances and consumer issues. Her work has appeared on a number of financial websites including LendingTree, ValuePenguin, MagnifyMoney, CreditCards.com, BankRate.com, U.S. News & World Report, as well as publications including Family Circle. Dawn has a master’s degree in journalism from New York University. Follow her on Twitter: @dawnpapandrea.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).