Discover's mobile app is among the best you’ll find for credit cards. It offers a snapshot overview without logging into individual accounts and allows entry via fingerprint ID. In a logical layout, you can see your balance and transactions, pay your bill and check your FICO credit score. If you misplace your card and aren't sure whether it's lost, you can "freeze" it instead of canceling it, then unfreeze it if you find it again.
You can see your rewards balance, redeem rewards and activate Discover's 5% bonus categories in the app. One nit to pick has to do with those categories. Discover's cash-back cards give you 5% cash back in rotating categories that you activate, on up to $1,500 per quarter in spending, and 1% on everything else. But the app doesn't show you how much of that $1,500 you've used up for the current quarter, which would be helpful when shopping.
The app allows the management of mobile alerts, and you can notify Discover that you’re traveling and might log charges outside your home region. You can check and redeem rewards from your phone. The app also lets you swap messages with customer service, a more efficient way of communicating than session-based chats.
The app, which also incorporates Discover Bank functions, has versions for Apple and Android systems, as well as Apple Watch and Android Wear, but not for Windows Phone or Blackberry, whose users could turn to the mobile-device version of its website. IPad users can see their Discover charges separated into spending categories.
Discover’s app gets high ratings in the Apple and Google Play app stores, with many compliments for its design and function and few consistent complaints. In 2017, the app ranked highest in customer satisfaction among U.S. credit card companies in J.D. Power's U.S. Credit Card App Satisfaction Study.
5 / 5 — J.D. Power 2017 U.S. Credit Card App Satisfaction Study 4.9 / 5 — Apple App Store (rating as of September 2017) 4.5 / 5 — Google Play Store (rating as of September 2017)