Discover Mobile
The Discover Mobile app is generally praised for its ease of use and valuable cashback rewards, but recent reviews highlight significant issues with app stability, transaction visibility, and customer service, compounded by widespread concern over the Capital One merger.
Discover Mobile users appreciate the app's intuitive interface and the benefits of cashback rewards, making it a popular choice for managing finances R1R3R8. However, recent updates and the impending Capital One merger have led to increased reports of app crashes, difficulty viewing transaction details, and frustrating customer service experiences R74R105. The app's lifetime rating remains high, but recent sentiment indicates a downward trajectory.
What users like
What users complain about
- Frequent app crashes and bugs, especially with Zelle and payment schedulingR74R174R205R214
- Difficulty viewing past transactions and detailed transaction informationR101R105R106R109
- Concerns and negative sentiment regarding the Capital One mergerR28R34R62R78
- Poor customer service experiences, including unhelpful or rude agentsR11R53R128R134
- Accounts closed without warning or clear explanationR42R63R183
- Issues with credit limit increases and high interest ratesR25R46R47R80
- App maintenance downtime affecting access to accountsR36R66R193
- Problems with travel alerts and card declines during travelR148
- Lack of ADA compliance and accessibility featuresR172
- Difficulty scheduling future payments or entering specific datesR205R224
- Issues with fraudulent transactions and dispute resolutionR6R45R191
Latest update · v2612.0
What the developer says changed (the verdict above weighs this against what reviewers report):
We’re back again with a fresh set of updates designed to make your app experience better than ever! Explore our updates for: - Improved app functionality - Minor bug fixes
Recurring themes
Who it's for
Discover Mobile is for users who prioritize an easy-to-use interface and appreciate cashback rewards for their spending R1R3R5R81. It is suitable for those who value direct access to human customer service, though recent experiences vary R27. It may not be ideal for users who frequently need to check detailed past transactions, rely heavily on Zelle within the app, or are concerned about the implications of the Capital One merger R74R105.
Evidence note: The recent review sample skews negative, particularly regarding app functionality, transaction visibility, and the Capital One merger. While positive reviews praise ease of use and rewards, the volume and specificity of negative feedback on app issues and customer service indicate a current decline in user satisfaction that contradicts the lifetime rating and developer's update notes.
Frequently asked
Does the Discover Mobile app have issues with crashing?
Can I easily view my past transactions in the Discover Mobile app?
How do users feel about the Capital One merger?
What reviewers actually said
Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.
- [R1] Best app: Unfortunately for all other people this card and the app are elite. The app is so beautiful and so smooth to use $ balance transfer promo was unbelievable. Get it now.
- [R5] Very good app: It’s fast and furious Navigate very easy. Love it !
- [R8] Over 25 years w/ Discover: Great cc company. E have been through a lot and they have seats been professional and helpful for my financial needs. When the mobile platform was introduced it was easy to navigate and made understanding my records simplified. Great company great mobile platform.
- [R17] Easy and not hard to learn: Love the app. Not difficult or hard to access information.
- [R3] DISCOVER YOUR LIFE: Using our Discover Card for our shopping excursions, getting gas, and picking up items at the Drug store. We earn cash back which in turn we use our bonus cash to help pay our monthly payment.!!!!
- [R14] Great card: I love this card! It’s great for cash rewards, had mine 1 year and I have earned a nice amount compared to my other cards! Would highly recommend this card.
- [R15] Mejor tarjeta: Es la mejor tarjeta con beneficios
- [R30] Easy peasy: Easy to pay bills and see cash back bonuses
- [R4] They do the job + cool card designs: The UI is pretty good, the customer service works well, the card designs are really neat, and I haven’t had any hiccups.
- [R18] Get a divorce from CapitalOne: CapitalOne needs to learn what great customer service is from Discover. When my savings account is converted by CapitalOne, I will be leaving.
- [R20] Great service: Great
- [R26] Discover Mobile: Discover Mobile makes life a lot easier! Easy to use and most of all stress free!!
- [R27] Simple and Useful.: This app is very helpful for tracking and it’s nice to talk to a HUMAN BEING when there’s a problem. Capital One better not mess this up.
- [R55] New to Discover: As a new client I find Discover easy to use. I have placed the app on my phone which makes it easier to check purchases and pay my bill. I payed my bill early because I was checking out the sp and noted that my payment date would be soon.
- [R40] Thumbs up to Discover.: I love their alertness,even if the amount charged is small.
- [R58] Safe trustworthy company: We’ve had a Discover card for years! We’ve had our numbers hacked & charges made but they investigated & found our numbers were stolen so no charges to us! They are great about telling us unusual charges to make sure that we really made the charge. We are so happy with the company that no offers from others will sway us away!
- [R81] Reliable, Easy to Use, and Great Rewards: I’ve had a great experience with Discover Card. The app is easy to use, making it simple to track spending, make payments, and monitor my account. Customer service has always been helpful, professional, and easy to reach when needed. I also appreciate the cashback rewards and the security features that give me peace of mind. Overall, Discover offers a conv
- [R74] unreliable due to constant crashes: I haven’t had any issues with discover itself, but the app is awful. at the moment i’m trying to send money using zelle (which i’ve done in the past without a problem), but now whenever I open that section of the app and put in my code, the app immediately closes. there are currently no updates in the app store. I’ve dealt with the discover app bugging out and
- [R174] App keeps crashing when try to use zelle: The app keeps trying when trying to zelle money. It’s been like that for a couple of months. Didn’t work even after an update.
- [R205] Needs help!: Overall I like the App, however, the majority of times I try to schedule a payment it crashes when I click on the calendar to choose the payment date. I’ve tried to schedule payments and it wouldn't show me the current month! The last month it shows is August. So I'm constantly having to make a reminder in my calendar to make a payment on the day I want to make it! Ridiculous! Wha
- [R214] I mean when it works it’s fine: App is super buggy, setup was a pain. Customer support was nice though and eventually it did work.
- [R101] User friendly: Needs to be more user friendly. In regard to checking past transactions. Not excluded to 2 weeks out but all transactions. Card works fine though.
- [R105] Can’t see transaction information: I can no longer click on a transaction and see the details. Being able to see who the transaction went to is very helpful in case of fraud. Please bring back that option
- [R106] Needs improvement: I would love to be able to search for specific transactions and have better sorting of transactions.
- [R109] makes me not want to use the card: very frustrating to use, no place to see all charges at once, overall not user friendly compared to my other financial apps
- [R28] Service?: Went from 25k to 1k credit limit on my card. No red flags. Didn’t find out until I tried to use it. Maybe because I don’t use it enough I don’t know. Notification would have been nice. Small wonder they are getting swallowed up by Capital 1…
- [R34] One of the best financial apps ever: I really love the Discover app and I really sad that they’re gonna discontinue it and shift over to Capital One since the takeover. I hope Capital One incorporates some of the better features from Discover into their app and improve it.
- [R62] Capital One Merger: It is most unfortunate that Discover got swallowed up by Capitol One which is known for profit over customer service every time. Will miss the easy to use Discover app.
- [R78] Love Discover: I’m so sorry that Discover will no longer be Discover. I have stayed with you over other credit cards as I enjoyed the personal touch and always available. I will miss you.
- [R11] Scam support business: They support scammers
- [R53] Bad service: I just called in and got blown off by 3 people
- [R128] Unhelpful and rude: Account managers are rude and unwilling to work with you if you’re payment is a day late over the weekend smdh. Chase, Capital One and Wells Fargo are much easier to deal with on a personal basis.
- [R134] Very difficult to work with: Will NOT provide an email address to reply to - voice calls are “recorded for review “ by discover & no access to the account holder. I do NOT recommend this lending service
- [R42] No longer recommending: It’s nice to know they can just close your account without warning. Well, they claimed they sent a letter, but I never received anything. It was nice being a customer for almost 10 years, but I guess I just have to take my business elsewhere.
- [R63] Closed: No notice was given that they were closing this account. Beware.
- [R183] Vague and unnecessary adverse actions: My Discover account was canceled even after I had received two emails that said all things were well and right with my card and the account was in good standing. I then received a letter telling me that all actions were accurately taken, and there was nothing I needed to do at the moment. My credit has been unnecessarily damaged and your correspondence has be
- [R25] Extremely high interest rate: Even with an outstanding credit score, their interest rates are ridiculous and unwilling to budge. Would not recommend!
- [R46] Meh: I have a 750 CS and I’m stuck with a $200 limit card that can’t even fill my gas tank & not exceed 30% optimization SO THE CARD IS USELESS! Raise my limit & I will change my rating. I have cards with $2,000+ limits so why use one with a $200 limit that you can only buy snacks with?
- [R47] Horrible service: I have had this card for years I am denied a limit increase every year even though I have a 765 credit score and make over 300,000 a year my limit is 500 I only keep it so it won’t lower my score by closing it
- [R80] Increases: Increases my credit balance without asking
- [R36] Closed and deleted: Beware, unlike Visa and Mastercard, which are accepted cirtually everywhere, many retailers do not take Discover. And the app is down for maintenance so often, you will not ne able to access ypur account several tomes per month.
- [R66] If You’re thinking about your future, skip this bank.: If you’re willing to deal with nights where you can’t transfer or send money, get this app. If you’re willing to deal with the frustration of not having a dedicated physical bank or a bank teller, get this app. IF you get this app you’re compromising your financial convenience. Believe me, i’ve had this app since i was 17, for my first job. I’
- [R193] Maintenance: Who is the genius that decides to have banking maintenance scheduled on a Saturday night when people may be out on the town for the evening attending events? That makes no sense to schedule anything on that day/night. This causes your costumers to not have access to their account when they may need it. Why not do the maintenance on a Sunday night/Monday morning when someone is usually
- [R148] Travel: This is the second time we have put a travel alert on our card and also the second time the card was declined on our travels. What if we had no other form of payment. Both times were very embarrassing. We had committed to paying for hotel and and meals for family and were unable to do so when I have 20k+ available. This is infuriating. I’ve been a dedicated member for almost 30 years. This
- [R172] Not ADA compliant: App is not accessible with voiceover, app is not ADA compliant, it does not show all my accounts, buttons are not labeled properly
- [R224] Doesn’t allow future pay date: Won’t allow a date other than today to be entered. Come on Discover Card - fix your app! I've landed the latest update and you still haven't fixed this problem. Does it on both iPhone and iPad.
- [R6] Lost money: They are the worse bank they lost my money a month ago and they still can’t find it they put there top team on it and they got lost I wouldn’t trust them as far I could throw them
- [R45] Bad charges: I’ve been waiting for almost 2 years for some resolve on fraudulent transactions to be addressed to no avail.
- [R191] Dispute Process Not Good: Discover prematurely closed my dispute before even receiving my evidence. Uploading evidence pertaining to dispute is cumbersome.
- [R130] Broken App: How the hell do you break basic functionality of this app? I went to go pay my bill and had to FIGHT the app because it kept trying to paste from Safari, and kept popping up despite being told no. Basic functions don’t work. This app is now trash.
- [R131] June 2026 can’t view statement in App: Used google and YouTube for help, but I can’t view my last statement, even though “the internet” says I can. Fix this ASAP please.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store