Discover's mailing address for bill payments
Send your Discover card payment to Discover Financial Services, P.O. Box 15298, Wilmington, DE 19850-5298. This is the address Discover lists for customers paying by mail. Always include your account number on the check or money order so the payment reaches the correct account.
The address is the same whether you carry a Discover credit card, a Discover student card, or a Discover secured card. If you have multiple Discover accounts, each one has its own account number, so mail each payment separately with the correct account number written clearly.
Mail typically takes five to seven business days to arrive, so send your payment at least a week before your due date to avoid a late fee. If you are close to your due date, use online payment or phone payment instead — both post to your account the same day or next business day.
Key Takeaways
- The mailing address for Discover card payments is P.O. Box 15298, Wilmington, DE 19850-5298.
- Write your account number on your check or money order so the payment is credited to the right account.
- Mail takes five to seven business days, so send payment at least a week before your due date.
- Online and phone payments post faster and are safer if you are near your due date.
- The same address works for all Discover card types — credit, student, and secured cards.
Why the mailing address matters for on-time payment
A late payment on a Discover card triggers a late fee and can raise your interest rate. The due date on your statement is the date Discover must receive the payment, not the date you mail it. Because mail takes time, sending your payment to the wrong address or using the wrong account number can delay it by days.
If you mail a payment and it arrives after the due date because of a postal delay, Discover will usually charge a late fee. You can dispute the fee by calling Discover customer service, but the safest approach is to mail early or use a faster payment method.
Faster payment methods if you are short on time
Online payment through your Discover account posts the same day if you pay before 8 p.m. Eastern time on a business day. Log in to your Discover account, go to the payment section, and enter the amount and date. You can schedule a payment for a future date or pay immediately.
Phone payment also posts the same day. Call the number on the back of your Discover card and follow the prompts to pay by phone. You will need your account number and routing number if paying from a bank account, or your debit card number if paying that way.
Automatic payments remove the timing risk entirely. Set up autopay through your Discover account to pay a fixed amount or your full balance on a date you choose each month. If you miss a due date because you forgot, autopay can prevent that from happening again.
What information to include when mailing a payment
Write or print your account number on the front of your check or money order in the memo line. This is the 16-digit number on your Discover card. Without it, Discover's processing system may not know which account to credit, and your payment could be delayed or applied to the wrong account.
Include your name and address as they appear on your account. If you have moved recently and updated your address with Discover, use the new address on the envelope. If you have not updated it yet, use the old address so the payment reaches the right mailbox at Discover.
Do not send cash. Use a check, money order, or cashier's check only. Do not include other documents or letters — Discover's mail processing is automated, and extra papers can cause delays.
What happens if your payment arrives late
If your payment arrives after the due date, Discover will charge a late fee. The amount depends on your card agreement, but late fees typically range from $25 to $40 for the first late payment and may be higher for repeat late payments. A late payment also appears on your credit report and can lower your credit score.
If the payment was delayed by the postal service and you paid on time, you can call Discover customer service and ask them to waive the late fee. Have your cancelled check or payment confirmation ready to show when you paid. Discover does not always waive the fee, but it is worth asking, especially if it is your first late payment.
If you miss a payment by more than 30 days, Discover may raise your interest rate to the penalty rate listed in your card agreement. This rate stays in effect until you make six consecutive on-time payments.
Discover payment address for different account types
The same mailing address works for Discover credit cards, Discover student cards, and Discover secured cards. The account number on your card tells Discover which type of account you have, so you do not need to specify it when you mail a payment.
If you have both a Discover card and a Discover personal loan, they are separate accounts with separate due dates. Mail each payment to the same address but include the correct account number for each one so the payments are credited correctly.
Frequently Asked Questions
Can I pay my Discover card at a bank or store?
No. Discover does not accept payments at banks, stores, or third-party payment centers. You must pay online, by phone, by mail, or through automatic payment. Online and phone payments are the fastest and safest options.
What if I send a payment to the wrong address?
The payment may be returned to you or forwarded to the correct address, which takes extra time. Always use the P.O. Box address on your statement or the Discover website. If you accidentally mailed to a different address, call Discover customer service right away to report it and ask whether they received the payment.
Do I need to include an envelope with my payment?
No. Mail your check or money order in a standard business envelope addressed to the P.O. Box. You do not need a special envelope or form. Write the address clearly so the postal service can deliver it.
How long does it take for an online payment to post?
Online payments post the same day if you pay before 8 p.m. Eastern time on a business day. Payments made after 8 p.m. or on weekends post the next business day. Check your account to confirm the payment posted before your due date.
What if my due date falls on a weekend or holiday?
Your due date does not change. If the due date falls on a weekend or holiday, Discover still expects the payment by that date. Mail your payment several days early, or use online or phone payment to ensure it posts on time.