Discover Credit Cards Mobile App Review
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Discover's mobile app allows for easy and streamlined management of your credit cards.
It offers a snapshot overview of your recent activity, a statement summary and rewards balances, without logging in to individual accounts. With its easy-to-navigate layout, you can redeem rewards, pay your monthly bill and check your FICO credit score all in the app.
Despite the app's high ratings and general customer satisfaction, there are a few downsides to be aware of.
Features
With Discover’s mobile app, you’ll be able to make payments, view transactions, as well as check how many rewards you’ve earned and redeem them right there. Here’s a closer look at some of the app’s features.
Login and security
The app’s customized login feature allows users to log in with a fingerprint touch ID, FaceID or a password. This makes for a simplified and secure login process for cardholders.
Credit score monitoring
App users can access their credit scores through the FICO credit scorecard, located on the app’s home screen. Tap the scorecard to see your credit history, as well as a breakdown of the key factors affecting your score.
Overview of rewards and redemptions
Discover cardholders can immediately see their available cash-back bonus balance after logging in. Through the cash-back bonus tab, app users can view redemption options, which include making payments with a cash-back bonus and redeeming rewards.
In addition to this home screen shortcut, there’s a separate "rewards'' tab to view more detailed information regarding your cash back, including monthly rewards earned and your redemption history.
You can also activate Discover's 5% bonus categories through this tab. Select Discover cards, including the Discover it® Cash Back and the Discover it® Student Cash Back, earn 5% cash back on up to $1,500 in spending per quarter in rotating categories that you must activate, and 1% cash back on other purchases.
Spend Analyzer
Through the app’s Spend Analyzer feature, account holders can get a breakdown of spending by activity, category and month. You’ll be able to view summaries of recent and total spending, and monthly spending trends and insights.
Card freeze feature
If you misplace your card and aren't sure whether it's lost, you can temporarily lock it instead of canceling it, then unlock it if you find it. Discover’s "Freeze Account" feature will stop purchases, balance transfers and cash advances.
Mobile alert management
When you activate mobile alerts through the app, you’ll be informed about important notices via text or push notification. For example, you can choose to get an alert if your Social Security number is found on predatory sites, when new accounts are opened on your credit report or when there's a pull on your credit report.
Direct customer service messaging
The app allows account holders to swap direct messages with customer service representatives. Rather than remaining live for a phone or session-based chat, you’ll be notified when your message has been responded to in-app. This allows for a more efficient stream of communication.
Recurring billing options
By clicking on the "Recurring charges" tab, located on the app’s home screen, you can set up and keep track of automatic bill payments. With this feature, you’ll be able to see automatic merchant charges like utility bills, cell phone bills and Netflix membership fees.
Time-saving services
The Discover app offers several streamlined features that can make it easier to complete often tedious card-related tasks. App users can do the following:
Use the "Quick View" feature: This allows cardholders to view important account information, like current balances and payment due dates, without having to log in to the app.
Add or manage authorized users: Through the "Services" tab, cardholders can add an authorized user without having to call the issuer.
Request a credit line increase: Rather than asking by phone, cardholders can request a credit line increase in the app.
Make payment changes: In addition to viewing payment history on the app, cardholders can make automatic payments, change payment due dates and manage linked accounts through the "Payments" tab.
Register travel: The app allows cardholders to notify Discover when they are traveling and making charges outside their home region.
Drawbacks
In addition to user compliments about the app’s design and function, there are a few consistent complaints, including:
Not available for some devices: The app has versions for Apple and Android systems. Otherwise, the mobile device version of the website can offer similar functions.
Log-in bugs: Despite generally positive reviews, some app users have reported instances of a slow or disrupted log-in process when face or fingerprint ID is used.
Some card details are inaccessible: While you’ll be able to see general card information, like the account balance and rewards summary, app users aren't able to view their card’s specific terms and conditions.
Web browser vs. mobile app
The mobile app offers a similar feel compared with accessing your account from Discover’s website. However, you’ll have to log in from a web browser or contact Discover’s customer service to find out about your specific card agreements.
Ratings
Ranked No. 3 out of 11 major credit card issuers in the J.D. Power 2024 U.S. Credit Card Mobile App Satisfaction Study.
4.9 / 5 — Apple App Store (rating as of May 2024).
4.5 / 5 — Google Play Store (rating as of May 2024).
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