Discover Cards come with rewards like cash back and miles. So, you can apply for the credit card that suits your needs.
Thus, these credit cards have no annual fee, and they are designed for different purposes.
However, there are different credit card options from Discover. Hence, below are credit cards from Discover:
- Cash Back Credit Card
- Student Cash Back Credit Card
- Secured Credit Card
- Student Chrome Credit Card
- Travel Credit Card
- Gas and Restaurant Credit Card
- NHL Credit Card
So, make sure you get information on any of these cards before applying for them.
That being said, in this article, we will discuss how you can log into your card online account.
Thus, we will tell you about the different payment options you can use to pay your bills.
Also, we will show you several ways in which you can contact customer support.
With that in mind, let’s commence by discussing how to log into your card online account.
Discover Account Login
To log into your online account, follow the account login instructions below:
First, open the Account Login Page on a web browser.
Next, enter the user ID and password linked to your online account.
Once you’ve done that, click on the ‘login’ button to access your credit card online account.
Forgot User ID
If you’ve forgotten your User ID, follow these guides below to retrieve it:
First, click on the ‘Forgot User ID’ link below the login button.
Then, proceed to enter your card number, card expiration date, and date of birth.
Next, enter the last digits of your SSN, choose a Captcha, and enter the Captcha.
Once you’ve done that, select the Continue button. After that, follow the on-screen instructions to retrieve your account User ID.
Forgot Password
Don’t have access to your account password? Don’t flap. Hence, follow the steps below to change your account password:
To begin, select the ‘Forgot Password’ link below the login button.
Next, enter your card number, card expiration date, and date of birth.
Then, proceed to enter the last digits of your SSN, choose a Captcha, and enter the Captcha.
After that, select the Continue button. Now, follow the on-screen instructions to change your account password.
Register Your Account
To register your account online, follow these easy steps below:
First, select ‘Register Your Account’ on the login page.
Then, under the credit card option, select the ‘Register Now’ link.
Once you’ve done that, enter your card number, card expiration date, and date of birth.
Next, enter the last digits of your SSN, choose a Captcha, and enter the Captcha.
Now, select the Continue button. After that, follow the on-screen instructions to register your account online.
Activate Card
If you’re a new cardholder, you can activate your new card following this process:
- First, visit the Card Activation Page using a web browser.
- Now choose to proceed with or without logging into your online account.
- To activate your card without logging in, select the ‘Without Logging In’ option.
- Next, enter your card number, card expiration date, and date of birth.
- After that, enter the last digits of your SSN, choose a Captcha, and enter the Captcha.
Now, select the Continue button. Then, follow the on-screen prompts to activate your new card.
However, if you want to activate your card by logging into your account, select the ‘Login’ option.
Then, enter your account username and password. After that, enter your sequence ID number, which can be found at the back of your card.
Once you’ve done that, select the ‘Continue’ button. Now, follow the on-screen guides to activate your new card.
Bill Payment
There are different ways in which you can pay your bills. Hence, in this blog, we will tell you about different payment options you can use to pay your bills.
Thus, below are ways to pay your bills:
Payment by Phone
To pay your bills over the phone, call customer service at 1-800-347-2683 (1-800-DISCOVER).
Online Payment
To pay your bills online, visit the Account Login Page.
Then, enter the User ID and password linked to your online account.
After that, click on the ‘login’ button to access your credit card online account.
Once you’re in, follow the guide on your screen to pay your bills.
Payment by Mail
You can pay your credit card bill via mail by sending payment to any of these mailing addresses:
- PO Box 6103
Carol Stream, IL 60197-6103
- PO Box 45909
San Francisco, CA, 94145-0909
- PO Box 70176
Philadelphia, PA, 19176-0176
- PO Box 71242
Charlotte, NC 28272-1242
Hence, make sure you check the address on your monthly statement for the correct location.
Customer Support
Below are different customer support options. Hence, you can contact customer support in these ways:
Social Media
You can connect with and contact customer support on the following social media pages:
Phone Number
For general inquiries, call customer service at 1-800-347-2683 (1-800-DISCOVER).
Hence, for those outside the U.S., call customer care at 1-224-888-7777. For hearing or speech impairments, call the relay service at 711.
However, to pay your bills over the phone, call 1-800-347-2683 (1-800-DISCOVER).
Online
If you have any questions about your account, you can contact customer support online.
To do that, visit the Account Login Page on a web browser.
Once you’re in, enter the User ID and Password linked to your online account.
Then, click on the ‘login’ button to access your credit card online account.
After that, follow the prompts on your screen to access the FAQ page for more information.
Mail
For general inquiries, send a message to:
Financial Services
P.O. Box 30943
Salt Lake City, UT, 84130-0943
Then, for your credit card bill payment via mail, send payment to any of these mailing addresses:
- PO Box 6103
Carol Stream, IL 60197-6103
- PO Box 45909
San Francisco, CA, 94145-0909
- PO Box 70176
Philadelphia, PA, 19176-0176
- PO Box 71242
Charlotte, NC 28272-1242
Hence, make sure you check the address on your monthly statement for the correct location.
That being said, visit the Customer Support Page for more information.
Cardholder Benefits
Cardholders can take advantage of the reward program to enjoy special perks.
Hence, as a cardholder, you can have online privacy protection on your account with no annual fee.
Also, you can enjoy a $0 fraud liability and the ability to freeze and unfreeze your account in seconds.
Thus, you can earn a 2% cash back bonus on the first 1000 USD spent in a combined category.
However, the reward earned does not expire, and it can be used at Amazon.com and with PayPal.
That’s not all; you can also get SSN alerts with no impact on your credit score.
Hence, the alert monitors your daily Experian credit report. And it also alerts you when a new inquiry or account is listed on your report.
Lost Card/Fraud Protection
To report a lost or stolen card, call customer service at 1-800-347-2683 immediately.
Hence, you can also request a card replacement, which takes about 6 business days to arrive.
Thus, note that you won’t be charged a fee for a card replacement.
However, when it comes to credit card fraud, it guarantees a $0 fraud liability.
That is to say, you’re not held responsible for unapproved purchases made with your card.
Hence, if you suspect any fraudulent card activity, call customer support at 1-866-240-7938.
Rewards Program
This card has a rewards program that allows you to earn points and cash back on purchases.
Hence, each card comes with its own reward. Thus, below are the rewards for some of its cards:
Cash Back Credit Card
This $0 annual fee card offers 5% cash back on your daily purchases at different places each quarter.
Hence, you can also earn 1% cash back on all other purchases made with this card.
Also, this card offers you the ultimate cashback match of all cash back earned at the end of your first year.
Gas and Restaurant Credit Card
This card offers an unlimited cashback match of all cash back earned at the end of your first year.
Thus, it has no annual fee. Also, it offers 2% cash back on up to $1,000 in combined purchases.
Hence, these purchases must be made at gas stations and restaurants each quarter.
However, you can also earn an unlimited 1% cash back on all other purchases made with your card.
Travel Credit Card
This card has no annual fee, and it offers you an endless 1.5X miles on each dollar spent on every purchase.
Hence, you can also get an unlimited cashback match of all cash back earned at the end of your first year.
However, for more information on rewards, visit the card page.
Cash Back Rewards
Discover has a cash-back reward program for its cash-back credit cardholders.
This program offers cardholders the chance to earn cashback using their credit card.
Hence, as a Cash Back Credit Cardholder, you earn cash back in different ways.
Thus, you can earn unlimited 1% cash back on all purchases using a Cash Back Credit Card.
Also, you can get 5% cash back at different places each quarter when you activate your card.
Finally, you can get an unlimited cashback match of all cash back earned at the end of your first year.
However, you can redeem your cashback as cash and deposit it into your bank account.
Also, you can use these cash-back rewards at Amazon.com and with PayPal.
Thus, you can redeem your reward as gift cards or have them donated to charity.
That being said, visit the Cash Back Rewards page for more information.
Travel Rewards
Discover has a travel reward program for its travel credit cardholders.
Hence, this reward program offers special benefits on credit card purchases.
Thus, you can earn 1.5X miles on each dollar spent on every credit card purchase with no limit.
Also, you can get an unlimited cashback match of all cash back earned at the end of your first year.
Hence, for every 35,000 miles earned at the end of your first year, it will turn into 70,000 miles.
However, you can redeem your miles as a statement credit for travel purchases.
This includes purchases like airfare, rideshares, gas stations, hotels, restaurants, etc.
Having said that, visit the Travel Rewards Page for more information.
Online Application/Pre-approval
You can apply for a card or see if you’re pre-approved for one.
- Hence, to check if you’re pre-approved for a card offer, visit the Card Page.
- On the page, locate the pre-approved section and click on the ‘Check Now’ option.
- Now, provide your information and select the ‘Check Now’ option to see if you’re pre-approved for a card.
- Hence, note that the pre-approval process does not have any impact on your credit score.
- However, to apply for a card, select the ‘Apply Now’ button on any credit card of your choice.
- Thus, once you’ve selected the Apply Now option, provide the required information.
After that, follow the prompts on your screen to apply for a card.
Credit score needed
The credit score needed for a card depends on the card you’re applying for.
Hence, if you have a good credit score (670 and above), you may qualify for a card with great rewards.
However, if you have a low credit score (below 670), you may qualify for other cards with a fair reward.
Credit Limit Review
To increase your credit limit, you must ensure all credit score factors are in good standing.
Hence, these factors are: payment history, credit utilization, and your credit history.
Also, make sure you haven’t applied for more than two cards in a short period of time, as this can lower your credit.
However, once all these are in a good state, submit a request for a credit limit increase.
Thus, call customer service at 1-800-347-2683 (1-800-DISCOVER) to request an increase.
Also, you can log into your account and submit your request for an increase.
APR
Discover grouped its credit cards into four categories. We have cash-back credit cards and student credit cards.
Also, we have other categories like travel credit cards and secured credit cards.
Hence, these are the APR details for these credit card categories:
Cash Back Credit Cards
Intro-purchase APR: 0% for 15 months
Intro-Balance Transfer APR: 0% for 15 months
Regular Purchase APR: 17.24% to 28.24% variable
Cash APR: 29.99% variable
Travel Credit Card
Intro-purchase APR: 0% for 15 months
Intro-Balance Transfer APR: 0% for 15 months
Regular Purchase APR: 17.24% to 28.24% variable
Cash APR: 29.99% variable
- Student credit cards
Intro-purchase APR: 0% for 6 months
Intro-Balance Transfer APR: 0% for 6 months
Regular Purchase APR: 18.24% to 27.24% variable
Cash APR: 29.99% variable
Secured Credit Card
Intro-Balance Transfer APR: 10.99% for 6 months
Regular Purchase APR: 28.24% variable
Cash APR: 29.99% variable
Fees
Below are the credit card fee details:
Annual Fee: $0.
Balance Transfer Fee: 3% of the amount of each transfer posted to your account by February 10, 2024. After that, you’ll be charged 5% of the amount of each transfer.
Cash Advance: $10, or 5% of the amount of each cash advance.
Late Payment: There is no fee for your first late payment; after that, your fee is up to $41.
Returned Payment: Up to $41.
Student Card Options
Discover offers two student credit card options for students. Hence, these cards are the Student Cash Back Credit Card and the Student Chrome Credit Card.
Both credit cards come with a different reward for their cardholders. Hence, in this section, we will discuss their reward, APR, and fees.
Reward
The Student Cash Back Credit Card offers a 1% cash back on all other purchases made with this card.
Hence, you can earn 5% cash back on your daily purchases at different places each quarter.
While the Student Chrome Credit Card offers 2% cash back at gas stations and restaurants,
Hence, you must spend up to $1,000 in combined purchases each quarter.
Also, you can earn an unlimited 1% cash back on all other purchases made with your card.
However, both cards double all cash back earned at the end of your first year.
APR and Fees
Intro-purchase APR: 0% for 6 months
Intro-Balance Transfer APR: 0% for 6 months
Regular Purchase APR: 18.24% to 27.24% variable
Cash APR: 29.99% variable
Annual Fee: $0.
Balance Transfer Fee: 3% of the amount of each transfer posted to your account by February 10, 2024. After that, you’ll be charged 5% of the amount of each transfer.
Cash Advance: $10, or 5% of the amount of each cash advance.
Late Payment: There is no fee for your first late payment; after that, your fee is up to $41.
Returned Payment: Up to $41
More information can be found on the Student Cards page.
Credit Starter Card
If you’re new to credit scores and would love to build up your credit, this card is a great option.
Hence, to apply for this credit card, you must pay a nonrefundable security deposit of $200.
This secured credit card option offers you 2% cash back at gas stations and restaurants.
However, you must spend up to $1,000 in combined purchases each quarter with this card.
Also, you can earn an endless 1% cash back on all other purchases made with your card.
Still, this card doubles all cash back earned at the end of your first year.
APR and Fees
Intro-Balance Transfer APR: 10.99% for 6 months
Regular Purchase APR: 28.24% variable
Cash APR: 29.99% variable
Annual Fee: $0.
Balance Transfer Fee: 3% of the amount of each transfer posted to your account by February 10, 2024. After that, you’ll be charged 5% of the amount of each transfer.
Cash Advance: $10, or 5% of the amount of each cash advance.
Late Payment: There is no fee for your first late payment; after that, your fee is up to $41.
Returned Payment: Up to $41
However, visit the Secured Card Page for more information about this credit card option.
Mobile App
The Discover mobile app comes with great features to help you manage your account easily.
With this app, you can check your balance and view your statements. Also, you can make payments and manage your rewards all from one place.
Hence, this app is available on the Google Play Store and the Apple App Store.
Conclusion
This article is a good summary, containing all you need to know about this cards.
Hence, if you have any questions about Cards, let us know by dropping them in the comments.
Thus, thank you for reading, and also be sure to check out other posts from this blog.
Reference Links
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Not minding the types of cards that you have opted for, logging in to your account is a must in order to gain access to your online account. Upon logging in online, you can manage your online account, view your transaction history, and monitor your card activities.
The steps below will help guide you on how to complete your card login as well as how to enroll in an online account (for those that are new).
When I opened my mail this morning, I saw an invitation to apply for a Discover IT card.
What does this mean? Does it mean that I’m pre-approved for the card? Keep reading to find out.
Card Benefits
The cardholder enjoys the following benefits:
- Free FICO score checking
- Make payments with a contactless card.
- Gets to include your card in digital wallets
- Fraud protection: card tracking, freezing, SSN inquiries, and account alerts.
- Regular charge dashboard and purchase analyzer
- Pay with rewards at PayPal and Amazon.
Card Issuer
One of the main payment processing networks in the US is Discover Bank, which issues the Credit Card.
The card offers a lot of cash back rewards and travel perks to card holders, and it is available to individuals, business owners, and students.
The card is accepted along with Mastercard, Visa, and American Express, and it is widely used in most countries in Europe, North America, South America, and Australia. While the card is accepted in some countries in Asia and Africa,
Card Login
The Discover Card login process is simple to follow. To get that done, you will need to
Step 1: Log in here to make your payment and manage your account online. Launch your browser and visit the card home page at Discover credit card
Step 2: Look out for the login box on the page displayed and enter your correct login user ID and password. In the drop-down space, choose a credit card and click on the “Login” button.
This will automatically redirect you to your account in style if your login credentials are correct.
Forgot password or user ID
You will not be able to access your account online with the wrong login details. But you can also retrieve them using the steps below.
Step 1: On that same login page, click on the Forgot User ID or Password
Step 2: With that done, select a credit card from the category of the drop-down pending on the login ID that you need (password or user ID) and select the next option.
Step 3: In the next step, you will need to key in some special identity information about yourself. Enter your 16-digit card number, the credit card expiration date, your date of birth, and the last four digits of your SSN.
When you have successfully entered the correct numbers for the above requirements, you will be shown a new page where you can renew your password or show your card User ID. With this, you can complete your card login with ease.
Card Invitation Application Code
To apply for a credit card, you have to be 18 years of age or older, and you have to reside in the U.S.
When you get an invitation code via mail, it means you are pre-qualified, but it does not mean that you are pre-approved. These emails are sent to people who may be eligible for a certain offer, depending on the data the credit card company has.
How to Enroll in an Online Account
You must set up your online account before you can view and manage your credit online. To get this done,
Step 1: Using the login page mentioned above, click the register button to create the account.
Step 2: In the card section of the drop-down, choose Register Now using the button.
Step 3: Next, you will need to enter your Card number and the expiration date, as well as the last four digits of your SSN.
You will need to follow the steps that follow and provide the required details to complete the signup process. When you have successfully set up your account, you will receive a confirmation email that says your account setup was successful.
Thank you for your time. If you have any difficulty, use our comment box or call Card’s customer service number.
Reviews from real people
“Discover has absolutely no perks. I have several credit cards and can promise that they is by far the worst. Their only differentiation point is their service, which has proved to be awful time and time again.” Peggy Kanterman
“I have the card and excellent credit at 17% interest, hoping they would drop it some. They told me they weren’t allowed and would not decrease the interest. OK, I said so, Now I am going to cancel and discover that after 6 years, there was no late payment. (I believe in paying on time.) Capital One did better than they did.” Anita Sue Campbell
Download the mobile app.
The mobile app is a great app for bank clients. In other words, the app is packed with so many features that make banking easy for you. Furthermore, your bank is better with a mobile app. You can do things like check account balances, view account info, make and edit payments, manage rewards, and more. And guess what? You do all this with your mobile phone.
FAST ACCOUNT ACCESS
Another great thing about this app is how fast it is to access your account. Furthermore, it is divided into two simple steps, which are
- Log in quickly with a 4-digit password.
- Enable quick view to view account information without logging in.
MANAGE THE ACCOUNT ON YOUR DISCOVER CREDIT CARD
In short, these are some of the things you do to manage your credit card account.
Check your balance and available credit. In addition, view and download monthly statements.
This one is self-explanatory. To clarify, it’s now so easy to check account balances and also view the monthly statements. Therefore, it is easier to keep track of your account.
View and search transaction activity.
The Discover mobile app keeps track of all your transactions, so you can easily check your credit card transactions.
Make payments and edit or cancel payments.
This app makes it easy for you to make payments from the comfort of your home. However, if you intend to cancel a payment, then that feature is also available in the app.
- Link your Discover card to your Amazon and PayPal accounts to make it easier to earn and pay with rewards for eligible purchases at checkout
That is to say, you can earn rewards simply by linking your card to Amazon or PayPal accounts. Isn’t that amazing?
View your FICO® Credit Score* for free and learn what it means to lenders.
In short, there is no need to pay to view your FICO score. In addition, you also gain knowledge about what it means for lenders. (See FICO® score terms at FICO.)
Freeze or unfreeze your account to prevent new purchases, cash advances, and balance transfers.
You can easily freeze your account so that you can prevent new purchases, cash advances, and more. In addition, you can also freeze your account if your card gets stolen or lost.
Send and receive messages with Discover Customer Service.
With this amazing app, you can easily communicate with customer service. In addition, you can do all this anywhere you are. So reaching customer service won’t be a problem anymore.
- View and edit your account profile.
That is to say, you can check your account profile and make changes whenever you want.
Activate a new card or report a current card as lost, stolen, or misplaced.
For instance, if your card gets stolen or is missing, you can activate a new one or report it. To clarify, you can request a new card and transfer all your data to the new one. Once that is done, the other card becomes inactive.
- Use the Travel Notification feature to help ensure uninterrupted use of your card while traveling.
The app has a feature that ensures uninterrupted use of the card while traveling. So while traveling, you can be calm and worry-free.
- Sign up to receive alerts about your account.
Once you sign up, you are entitled to receive alerts on all your transactions. As a result, you can keep track of all your transactions.
Manage your deposit and personal loan accounts.
- View account balances, summary, and transaction history.
- Track account activity and schedule transactions.
- Transfer money
- Pay bills
- Deposit checks
- Find ATMs: Nationwide ATMs are available to use your debit card.
- View statements
- View and send secure messages.
- Make personal loan payments.
Do you have questions or comments about the mobile app? Email us at mobappqs@service.discovercard.com.
Mobile Privacy Statement:
Privacy Statement
Mobile Terms of Use:
- Android App4
- iOS App.
Types of cards
Discover offers four types of credit cards. Each of the credit cards has rewards, and there’s no annual fee. cards include cash back, travel, student, and secured.
Cash Back
With the cash-back credit card, you will earn up to 5% cash-back rewards on purchases. Qualification depends on your income and credit history.
Secured
The Discover secured credit card helps build credit. There’s a security deposit and cash back on purchases. Also, when you use the card well, you may upgrade it to an unsecured account.
Student
This credit card is for college students to help build their credit score and history.
Travel
Consumers earn miles on travel card purchases, which can be redeemed for a statement credit for cash back or against travel purchases. Earning miles and redeeming them is simple and straightforward.
But the travel cards do not have some of the benefits other travel cards have, such as car rental damage waivers and travel accident insurance.
Discover It® Cash Back
Reward Rates:
- Get 5% cash back on every purchase at several locations every quarter, such as gas stations, grocery stores, Amazon.com, and restaurants.
- Enjoy 1% cash back on all other purchases.
Annual Fee: $0
Regular APR: 16.24%–27.24% Variable APR
Balance Transfers Intro APR: 0% for 15 months
Recommended credit score: Good to Excellent
Discover It® Secured Credit Card
Reward Rates:
- Earn 2% cash back on the initial $1,000 in additional purchases at the gas station and restaurants.
- Enjoy 1% cash back on all other purchases.
Annual Fee: $0
Regular APR: 27.24% Variable APR
Balance Transfer Intro APR: 10.99% for 6 months
Recommended Credit Score: New/Rebuilding Credit
Discover It® Student Cash Back
Reward Rates:
- Get 5% cash back on every purchase at several locations every quarter, such as gas stations, grocery stores, Amazon.com, and restaurants.
- Automatically 1% cash back on all other purchases
Annual Fee: $0
Regular APR: 17.24%–26.24% Variable APR
Purchases Intro APR: 0% Intro APR for 6 months
Recommended Credit Score: Fair to Good
Discover it® Miles
Reward Rates:
- Earn 1.5X miles on every dollar of every purchase.
Annual Fee: $0
Regular APR: 16.24%–27.24% Variable APR
Purchases Intro APR: 0% Intro APR for 15 months
Recommended Credit Score: Good to Excellent
Frequently Asked Questions (FAQs)
Is Discover a credit card?
Yes, it is. It has about 7 different credit cards for different needs. Hence, they have credit cards for great to fair credit scores.
However, if you have a great credit score, the Discover It Cash Back Card is a great choice.
What is the credit limit on Discover?
The credit limit is based on your credit score and the card you’re applying for.
However, you can increase your limit by ensuring all credit score factors are in a good state.
Hence, once all these are in a good state, submit a request for a credit limit increase online.
However, you can also call 1-800-347-2683 to request an increase.
What credit score do you need to have a Discover card?
The credit score needed for a Card depends on the card you’re applying for.
Hence, if you have a good credit score (670 and above), you may qualify for a card with great rewards.
However, if you have a low credit score (below 670), you may qualify for other cards with a fair reward.
What is the minimum deposit for a Discover credit card?
The minimum security deposit for a secured card is $200. Hence, this serves as your credit limit
How do I check my card balance?
You can find out your most current balance by logging into your credit issuer’s portal or calling customer service, and some offer mobile apps where you can check and pay off your balance.
What bank is Discover’s credit card through?
Discover Bank, formerly the Greenwood Trust Company, is responsible for issuing the majority of cards bearing the brand. Transactions are processed through the Network payment network.
How do I find out if I was pre-approved for a credit card?
The easiest way to see if you’re pre-approved for a credit card is to check a credit card company’s website. Most major issuers let you see which of their cards you’re preapproved for by simply entering your name, address, and the last four digits of your Social Security number into an online form.
How do I check my Discover card balance?
You can find out your most current balance by logging into your credit issuer’s portal or calling customer service, and some offer mobile apps where you can check and pay off your balance.
- How do I find out if I was pre-approved for a credit card
The easiest way to see if you’re pre-approved for a credit card is to check a credit card company’s website. Most major issuers let you see which of their cards you’re preapproved for by simply entering your name, address, and the last four digits of your Social Security number into an online form.
How do I check my Discover card balance?
You can find out your most current balance by logging into your credit issuer’s portal or calling customer service, and some offer mobile apps where you can check and pay off your balance.
How much does Discover It cost?
Nothing; it does not have an annual fee.
Does pre-approval affect the credit score?
No, the pre-approval does not affect your credit score. It depends on a soft inquiry. Convenient: You can check online where you are. Easy: just input the basic contact and financial details. Secure: Your online security is vital to the card comapany.
How do I redeem cash back with Discover?
The simplest method is to take the fund as a statement credit. For instance, if you have $30 in cash back, you can apply it to your account and lower your balance by $30. Also, you can get your cash back as a direct deposit into a bank account, spend it on PayPal or Amazon.com, or redeem it for gift cards.
Where is Discover accepted?
It is accepted in most places in the United States. Outside the U.S., it is accepted in 200 countries.
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