Discover Mobile offers an extensive range of features that cater to both credit card and bank account management. For credit card accounts, users can check balances, view statements, search transactions, schedule payments, and manage rewards redemption in various forms including statement credits and gift cards.

The app provides unique features like linking Discover cards to Amazon and PayPal for easier reward usage, viewing FICO Credit Scores with educational resources, and using the Travel Notification feature for uninterrupted card usage abroad. Security features include account freezing capabilities and direct customer service messaging.

For Discover Bank accounts, the app offers complete banking functionalities including transaction tracking, money transfers, bill payments, check deposits, and personal loan management. Additional features include ATM locators and secure messaging with customer service, making it a one-stop solution for all Discover financial product holders.

Account and fund security is a critical aspect of any financial application, ensuring that users' sensitive information and funds are protected from unauthorized access. Discover Mobile employs advanced security measures to safeguard user data and transactions. The app requires a 4-digit passcode for quick login, adding an extra layer of security while maintaining convenience.

In addition to the passcode, users can freeze or unfreeze their accounts to prevent new purchases, cash advances, and balance transfers. This feature provides peace of mind when a card is misplaced or stolen. Discover also offers the ability to activate a new card or report a lost or stolen card directly through the app, streamlining the process of securing one's account.

The app ensures secure communication by allowing users to send and receive messages with Discover Customer Service within the app. Furthermore, it provides free access to FICO Credit Scores, helping users understand their credit standing and take necessary actions to maintain or improve it. These comprehensive security features collectively enhance user confidence in managing their finances digitally.

A seamless transaction experience is essential for a finance app, enabling users to perform various financial activities efficiently. Discover Mobile excels in providing a smooth transaction process, allowing users to check their balance, available credit, and view or download monthly statements effortlessly. The app supports searching transaction activity, making it easy to track spending and manage finances effectively.

Users can make payments and edit or cancel pending payments directly through the app, offering flexibility and control over their financial obligations. Additionally, the app allows redeeming rewards in any amount as a statement credit towards the monthly bill or as an electronic deposit to a bank account. This versatility in reward redemption enhances the overall transaction experience.

For added convenience, Discover Mobile enables linking the Discover card to Amazon and PayPal accounts, facilitating easier earning and payment with rewards at checkout. The app also includes a Travel Notification feature to ensure uninterrupted card usage while traveling. These features collectively contribute to a superior transaction experience, empowering users to manage their finances with ease and confidence.