Discover card perks to know aboutUpdated: Oct. 15, 2018

We wrote about how to choose which is the best Discover credit card for your lifestyle and needs, and while we briefly spoke about the great perks available to all Discover cardholders, we didn’t go into explicit detail about them. Owning a credit card these days means you get more than just a way to build your credit and make purchases — often, you get access to benefits and perks to make life a little smoother and sweeter. In this article, we’re highlighting three Discover card perks that everyone should know about, whether you already have a Discover credit card in your wallet or you’re simply considering getting one.

Don’t miss these Discover cardholder perks

While Discover offers a number of perks to those who own different Discover cards, we’re detailing three perks that all Discover cardholders can take advantage of.

Identity theft alerts

Another great perk for Discover cardholders is its new identity theft alerts feature, which you must opt into through your online account. You’ll get alerts in the instance that a new credit card, mortgage, auto loan or other credit account shows up on your Experian credit report, as well as indications if your social security number is found on any of the thousands of risky websites that Discover monitors. With identity theft presenting an ever-growing threat to people from all walks of life, any extra help when it comes to monitoring and protecting your sensitive data is welcome — especially when it comes complimentary with your credit card membership. Though it’s important to understand that these alerts won’t take the place of a dedicated identity theft protection service which employs three-bureau credit report monitoring, it can’t hurt to take advantage of this perk.

Freeze it

Although it’s been around for a few years now, Freeze it feature is still one of the best Discover card perks offered to customers. In the event that your credit card is lost or stolen, you can log into your Discover account from a computer or through the app and activate the Freeze it feature. Doing so temporarily disables your credit card to prevent new purchases, cash advances and balance transfers from being conducted. Once your credit card has been located, you can easily unfreeze it and continue using it. For those who have a habit of misplacing their wallets or accidentally leaving their credit card at a restaurant or bar, the convenience of being able to temporarily disable their card in an instant rather than having to call Discover and go through the hassle of canceling and ordering a new credit card is invaluable. Note that certain transactions, including automatically recurring bills, account fees and interest, will continue to be processed while your card is frozen. It’s also important to note that if you believe your credit card is gone for good, you should contact Discover as soon as possible to get a new one.

Free FICO scores

Keeping an eye on your credit scores doesn’t have to be a difficult process when you’re a Discover card owner. That’s because every month, Discover will print your TransUnion FICO score right on your monthly billing statement. This allows you to watch your score’s progress, and note any sudden drops that could be signs of fraud or another issue in your personal finances which require your attention. Opting out of paper statements to save the environment? There’s even more data to be gleaned on Discover’s website or app when you log in and check your FICO credit scorecard. This shows your monthly updated score, along with a graph tracking your score’s progress from up to the past 12 months, insight into which factors are influencing your score and details regarding what’s on your TransUnion credit report (e.g., number of accounts, credit utilization ratio and more). While the most comprehensive picture of your credit health comes from viewing all 3 of your credit reports and scores on a regular basis, a free score provided by your credit card is definitely a perk worth knowing about.

While these Discover card perks are worth having, it’s important to also choose a credit card that’s right for you. Read our reviews of the best credit cards to learn more, and follow our personal finance blog for all the latest news and insights on making the most of what’s in your wallet.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.