getdiscovercard.com: How to Use Your Discover Card Offer

If you received a Discover Card offer in the mail that directs you to getdiscovercard.com, you can use the information included with your offer to access the specific credit card offer that was sent to you. The website is designed for consumers who received a targeted Discover Card offer and need to enter their offer information online.

Depending on the offer you received, your mailer may include a reservation number and an access code. These numbers are specific to your offer and are used to retrieve the offer details through the website.

This guide explains what getdiscovercard.com is, how the Discover offer process works, where to find the information you need, and what to expect when you use your reservation number and access code.

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What Is getdiscovercard.com?

getdiscovercard.com is a website used by Discover to allow recipients of certain targeted credit card offers to access their offers online. If your Discover mailer specifically directs you to this website, you can use the information provided with the mail offer to retrieve the offer associated with your mailing.

The website is not necessarily the same application path used by someone who simply visits Discover's main website looking for a credit card. A targeted mail offer can contain information that identifies the particular offer sent to the recipient.

Because Discover may send different offers to different consumers, the card, rewards, introductory APR, regular APR and other terms can vary from one offer to another.

What Do You Need to Use getdiscovercard.com?

Your Discover mail offer should tell you what information is required to access the offer. A targeted offer may include a reservation number and an access code.

The reservation number identifies the particular offer, while the access code provides an additional piece of information required to access it. These numbers are specific to the individual offer and should not be shared publicly.

If you received a Discover offer in the mail, keep the mailer nearby when visiting getdiscovercard.com so you can enter the information exactly as it appears on the offer.

How Do You Use a Discover Reservation Number?

If your Discover mail offer includes a reservation number, enter that number at getdiscovercard.com when prompted. The reservation number should be entered exactly as shown on your mailer, including any required numbers or characters.

Do not use the reservation number from someone else's offer. Each targeted offer is associated with its own identifying information.

What Is the Discover Access Code?

The access code is another piece of information included with some Discover mail offers. If your offer requires an access code, you will enter the code along with the other information requested on getdiscovercard.com.

Your access code is specific to your offer. Keep it private and do not publish it or provide it to anyone who does not need it to access your offer.

What Kind of Discover Card Offer Will You See?

The exact offer available through getdiscovercard.com depends on the offer you received. Discover can send different card offers with different rewards, introductory APRs, regular APRs and other terms.

For example, some Discover mail offers may promote cash back rewards, a promotional APR on purchases, no annual fee or other introductory benefits. Other recipients may receive a different Discover card or different terms.

For that reason, the terms printed on your own Discover mail offer are the terms you should use when evaluating the offer.

Discover Cash Back Offers

Some Discover offers promote cash back rewards on purchases. Depending on the specific card and offer, this can include elevated cash back in rotating categories and a base cash back rate on other purchases.

Certain Discover offers may also include a cash back match during the first year. The exact rewards structure and requirements depend on the specific offer presented to you.

If your mail offer includes a rewards program, review the terms carefully to determine which purchases qualify and whether activation is required for any bonus categories.

Discover Introductory APR Offers

Some Discover mail offers may include an introductory APR on purchases for a specified period. The length of the introductory period and the APR that applies after the introductory period can vary by offer.

Your individual mail offer should be reviewed for the specific introductory APR, promotional period and regular APR that apply to the card being offered to you.

Does Every Discover Mail Offer Have the Same Terms?

No. Discover can send different offers to different consumers. Your offer may not have the same rewards, APR, introductory period or other terms as an offer received by another person.

This is particularly important when reading information about Discover cards online. A general description of a Discover card does not necessarily describe the specific offer you received in the mail.

The reservation number and access code on your mailer are intended to give you access to the particular offer associated with your mailing.

What Does "Pre-Approved" Mean on a Discover Mail Offer?

A Discover mail offer described as pre-approved or otherwise targeted to you does not necessarily mean that the account is guaranteed to be opened. The application process can still involve eligibility requirements and other approval criteria.

The most important information is the actual offer and disclosures provided with your mailer and during the application process.

What If You Don't Want the Discover Offer?

You are not required to apply for the Discover offer simply because you received it in the mail. If you are considering a new credit card, you can also compare other offers before deciding which card you want.

For example, we feature credit card offers from other issuers that may be worth considering depending on your credit profile and the type of card you are looking for.

Other Credit Cards You May Be Eligible For

How to Use getdiscovercard.com: Final Thoughts

If your Discover mail offer directs you to getdiscovercard.com, the process is designed to let you access the offer associated with your mailing. Have your reservation number and access code available, enter the information as shown on your offer, and review the specific card terms presented to you.

Remember that Discover offers can vary by recipient. The rewards, introductory APR, regular APR and other terms shown on your particular offer are more important than the terms associated with a different Discover offer you may find online.

If the Discover offer isn't right for you, you can also compare other credit card offers before making a decision.