by Matt Rej
Unlike Visa and Mastercard, Discover doesn’t publicly disclose its interchange rates online. You’ll hit a login wall if you try to access these on their website, prompting you to enter a verification code from your acquiring bank.
But we got our hands on the latest version of Discover’s interchange rates and fees effective April 17, 2026.
We’re publishing them here for transparency, so merchants who accept Discover can see what they’re actually paying for. You can also compare your statements against these new Discover interchange rates to ensure your processor isn’t padding anything.
Discover Consumer Credit Card Interchange Rates
Discover splits consumer credit interchange rates into four tiers based on the cardholder’s product: Core, Core Plus, Premium, and Premium Plus.
Core is the entry-level card (cheapest to process), whereas Premium Plus represents the highest rewards offered by Discover. Merchants pay more when a customer pays with higher-tier cards, since part of those rewards are funded by interchange.
A handful of these programs charge the same rate across all four tiers. So rather than repeat everything four times, we’ve grouped them in their own section at the end.
Recurring Payments
- Core — 1.35% + $0.05
- Core Plus — 1.35% + $0.05
- Premium — 1.45% + $0.05
- Premium Plus — 1.80% + $0.05
Real Estate
- Core — 1.10%
- Core Plus — 1.10%
- Premium — 1.10%
- Premium Plus — 2.30% + $0.10
Insurance
- Core — 1.43% + $0.05
- Core Plus — 1.43% + $0.05
- Premium — 1.43% + $0.05
- Premium Plus — 2.30% + $0.05
Supermarket
- Core — 1.40% + $0.05
- Core Plus — 1.62% + $0.10
- Premium — 1.65% + $0.10
- Premium Plus — 2.10% + $0.10
Charity
- Core — 1.45% + $0.05
- Core Plus — 1.50% + $0.05
- Premium — 1.50% + $0.05
- Premium Plus — 2.30% + $0.10
Micro Ticket
- Core — 1.95%
- Core Plus — 1.95%
- Premium — 1.97%
- Premium Plus — 2.05% + $0.05
Express Services
- Core — 1.95%
- Core Plus — 1.95%
- Premium — 1.97%
- Premium Plus — 2.05% + $0.05
Retail
- Core — 1.57% + $0.10
- Core Plus — 1.72% + $0.10
- Premium — 1.74% + $0.10
- Premium Plus — 2.25% + $0.10
Restaurants
- Core — 1.56% + $0.10
- Core Plus — 1.90% + $0.10
- Premium — 2.30% + $0.10
- Premium Plus — 2.45% + $0.10
Hotels and Car Rentals
- Core — 1.75% + $0.10
- Core Plus — 1.92% + $0.10
- Premium — 2.25% + $0.10
- Premium Plus — 2.55% + $0.10
Passenger Transport
- Core — 1.75% + $0.10
- Core Plus — 1.92% + $0.10
- Premium — 2.25% + $0.10
- Premium Plus — 2.55% + $0.10
Card Not Present (CNP)
- Core — 1.91% + $0.10
- Core Plus — 2.03% + $0.10
- Premium — 2.05% + $0.10
- Premium Plus — 2.55% + $0.10
E-Commerce
- Core — 1.91% + $0.10
- Core Plus — 2.03% + $0.10
- Premium — 2.05% + $0.10
- Premium Plus — 2.55% + $0.10
E-Commerce Secured
- Core — 1.80% + $0.10
- Core Plus — 1.90% + $0.10
- Premium — 1.95% + $0.10
- Premium Plus — 2.40% + $0.10
Key Entry
- Core — 1.91% + $0.10
- Core Plus — 2.03% + $0.10
- Premium — 2.05% + $0.10
- Premium Plus — 2.55% + $0.10
Consumer Credit Programs With a Flat Rate Across All Tiers
These four programs charge the same rate whether the cardholder is using a Core or Premium Plus product:
- Utilities — $0.75
- Public Services — 1.55% + $0.10
- Petroleum — 1.80% + $0.05
- Base Submission Level — 3.15% + $0.10
Discover Commercial Interchange Rates
Discover’s commercial interchange program covers business cards, commercial cards, and commercial debit/prepaid products. Many of these programs charge the same rate across all three card types, which keeps the structure simpler compared to the consumer credit tiers above.
- Commercial Utilities — $1.50
- Large Ticket Commercial Debit — 0.90% + $20.00
- Large Ticket Commercial Prepaid — 1.45% + $35.00
- Large Ticket Business and Corporate — 0.90% + $20.00
- Electronic Commercial Debit — 2.45% + $0.15
- Electronic Commercial Prepaid — 2.65% + $0.10
- Electronic Business and Corporate — 2.45% + $0.15
- Commercial Base — 3.05% + $0.10
- US Commercial B2B 1 — 0.00%
- US Commercial B2B 2 — 6.00%
The two US Commercial B2B programs at the bottom of this list are worth calling out. It’s natural to question how one tier can be 0% and the other is 6%.
But these aren’t standard interchange rates in the way the rest of this list is. They only apply to specific commercial card BIN ranges that Discover has set aside for negotiated B2B arrangements.
The 0% published rate doesn’t mean that the supplier gets paid for free. It just means that the rate has been moved off the published interchange schedule and into a direct agreement. The actual rebates, fees, and negotiated discounts are handled outside of the standard interchange framework.
On the flip side, the 6% Commercial B2B 2 rate is the opposite. It’s effectively a penalty tier for B2B BIN ranges without a direct agreement in place. It’s set high enough to discourage acceptance and push qualifying merchants into a negotiated agreement instead.
So if your business is being asked to accept Discover commercial cards on either B2B BIN range, it’s definitely worth understanding which program the card falls into. And what agreement (if any) is in place before that transaction gets processed.
Discover Debit and Prepaid Interchange Rates
Before we get into the numbers, you should understand that debit card transactions are regulated federally under the Durbin Amendment. This means that there’s a 0.05% + $0.21 interchange cap for debit/prepaid cards issued by a bank with $10+ billion in assets.
The rates below apply to debit and prepaid cards that fall outside of this cap.
It’s also worth noting that Discover’s Supermarket program caps acquirer interchange at $0.36 per transaction on debit cards and prepaid cards.
Debit Card Interchange Rates
- Recurring Payments — 1.20% + $0.05
- Utilities — $0.75
- Real Estate — 1.10%
- Debt Repayment — 0.70% + $0.16 (max $2.40)
- Insurance — 0.80% + $0.25
- Supermarket — 1.10% + $0.16**
- Emerging Markets — 0.90% + $0.20
- Charity — 0.90% + $0.20
- Public Services — 0.90% + $0.20 (max $2.00)
- Micro Ticket — 1.80%
- Express Services — 1.80%
- Petroleum — 0.76% + $0.16
- Retail — 1.10% + $0.16
- Restaurants — 1.19% + $0.10
- Hotels/Car Rentals — 1.35% + $0.16
- Passenger Transport — 1.60% + $0.15
- Card Not Present — 1.75% + $0.20
- E-Commerce — 1.75% + $0.20
- E-Commerce Secured — 1.75% + $0.20
- Key Entry — 1.75% + $0.20
- Base Submission Level — 1.90% + $0.25
Prepaid Cards
- Recurring Payments — 1.20% + $0.05
- Utilities — $0.75
- Real Estate — 1.10%
- Debt Repayment — 0.70% + $0.16
- Debt Repayment (Maximum) — + $2.40
- Insurance — 0.80% + $0.25
- Supermarket — 1.12% + $0.16
- Emerging Markets — 0.90% + $0.20
- Charity — 0.90% + $0.20
- Public Services — 0.90% + $0.20
- Public Services (Maximum) — $2.00
- Micro Ticket — 1.80%
- Express Services — 1.80%
- Petroleum — 0.76% + $0.16
- Retail — 1.12% + $0.16
- Restaurants — 1.14% + $0.15
- Hotels/Car Rentals — 1.35% + $0.16
- Passenger Transport — 1.60% + $0.15
- Card Not Present — 1.76% + $0.20
- E-Commerce — 1.76% + $0.20
- E-Commerce Secured — 1.75% + $0.20
- Key Entry — 1.76% + $0.20
- Base Submission Level — 1.90% + $0.25
Cash Reimbursement
This rate applies when a merchant gives cash back to a Discover cardholder and on cash advances. The rate itself depends on where the transaction takes place and where the card was issued.
- Cash Reimbursement (US) — 0.16% + $1.65
- Cash Reimbursement (Foreign-Issued Cards) — 0.16% + $3.00
- Cash Reimbursement in Mexico, Caribbean, Central America — 0.16% + $3.00
The percentage rate is the same across all three (0.16%), but the per-transaction fee jumps from 1.65% + $3.00 whenever an international card is involved on either side of the transaction.
Discover Deliver
Discover Deliver is Discover’s interchange program for account credit and account funding transactions. It comes into play when funds are pushed to a cardholder (for payouts, refunds outside of a sale, or disbursements).
- Account Credit (ACT1 & ACT2) — $0.10
- Debit Accounting Funding (AFT and AFT1) — 1.75% + $0.20
- Prepaid Account Funding (AFT and AFT1) — 1.76% + $0.20
- Credit Account Funding (AFT and AFT1) — 2.03% + $0.10
It’s a smaller program but worth knowing about if your business sends money to cardholders rather than just receiving it.