Discover Identity Theft Protection Review and Pricing Plans

See what Discover identity theft protection options exist and find out what to do if you think your Discover account may have been compromised.

SecureScore™: 8.4 / 10 This rating is derived from our editorial team's research, hands-on product testing, and customer surveys.
Are you sure Discover ID Theft Protection is right for you?
See 3 Services We Like Better
Derek Prall

Plus: Our Team's Featured Picks

Check out more recommendations from the SafeHome team:

Did you know there were more than 9,600 reported data breaches in the U.S. between the years of 2008 and 2019? We live in a digital world; therefore, even if you don’t ever put any of your personal identification online or have any social media accounts, everyone else does, including doctors’ offices, banks, insurance companies, schools—everyone! That means your private and sensitive information is out there, even if you didn’t put it there. And the only way to proactively protect yourself is to have identity theft protections in place.

What Is Discover Identity Theft Protection?

Late last year Discover rolled out a new service for their credit cardholders. Discover now offers an identity theft protection service for…wait for it…a whopping $15 per month! OK, so what do you get for all that money? Well, the Discover identity theft protection service does actually have more features than what other credit card companies that offer similar services have, but they charge a lot more. However, for the price, you would be better served by opting for a dedicated identity theft protection service that offers a full suite of fraud and identity theft protection services.

Considerations for Discover Identity Theft Protection

The Discover identity theft protection service will provide you with up to $1,000,000 in identity theft insurance, reimbursement of stolen funds/lost wages, and more. However, many of the features they are offering with this service are already provided for free to all cardholders.

While the free service doesn’t provide the $1,000,000 identity theft insurance or other major features, it does monitor your social security number on the dark web and new account alerts for mortgage/auto/credit cards, etc. Additionally, their premium service only monitors one credit bureau—Experian. That leaves the other two bureaus unmonitored. And for the price they are charging for this service, you could get complete identity theft coverage for the same or just slightly more per month from a dedicated identity theft protection service.

What to Do When You Notice Identity Theft in Your Discover Account?

Discover recommends that if you find a transaction you don’t recognize to check with any secondary card members or authorized users to see if it was theirs. If the unidentified charges were not authorized, Discover asks you to call them immediately at 1-866-240-7938. Alternatively, you can contact their Customer Service department online, or initiate a dispute. Fortunately, Discover does have a $0 Fraud Liability Guarantee, so you are never responsible for unauthorized purchases on your Discover card.

Alternatives to Discover Identity Theft Protection

Here are the top three alternatives to Discover identity theft protection.

Identity Guard®

Identity Guard is rated #1 in their field for a reason, one of which is their new product with IBM® Watson™ advanced artificial intelligence. This AI product watches and analyzes billions of online websites looking for your personal information and whether it could potentially put you at risk for fraud or identity theft. If anything suspicious is found, they will immediately send you an alert so you can respond accordingly.

Identity Guard has three extremely reasonably priced identity theft protection plans that range from a mere $7.20/mo. to an amazingly low $19.99/mo. for their full coverage top protection plan, if you pay annually. They also offer a monthly payment option as well for slightly more per month.

Even Identity Guard’s most basic service comes with $1 million in insurance coverage with stolen funds reimbursement included. They also provide you with a U.S.-based dedicated case manager and a variety of alerts such as when your information is found on the dark web, high-risk transactions, any potential personal threats that are detected by IBM® Watson™ artificial intelligence, and more. And that’s just for the basic plan. The upper two tiers offer more coverage, obviously, and for just a few dollars more per month. So if you can afford it, go for the upper-tier plan. If you can’t, you still receive more coverage for significantly less than what you would pay for the Discover identity theft service.


You probably recognize LifeLock from all their TV commercials and emails. They’ve been around for a long time and offer some fantastic identity theft protection services. LifeLock and Norton are now one. So when you sign up for the LifeLock service, you also get the Norton internet security protection as well.

LifeLock has three service packages from which you can choose for $9.99/mo. to $29.99/mo. Additionally, they tell you there is a price increase after the first year; however, sometimes (but not always) you can call them when your subscription is about to expire to negotiate a better monthly price.

LifeLock offers a full suite of identity theft protection services. So even with their basic plan, you still get more than you do with the Discovery identity theft protection service. And don’t forget, when you sign up for LifeLock, you automatically get the Norton internet security protection service as well at no additional cost. LifeLock also comes with a 60-day money-back guarantee (with an annual membership) so you can try it before you commit to it. Additionally, LifeLock is continually adding new features to their services, so if you haven’t looked at LifeLock in a while, you might be pleasantly surprised with what all you get for your money.


IdentityForce is another one of the great alternatives to Discover identity theft protection. In fact, IdentityForce and EZShield have recently combined forces and have a new company name—Sontiq. Both brands have a proven track record with more than 40 years in the identity theft protection field. They offer identity, privacy, and credit security solutions using the most advanced detection technology available. They also provide real-time alerts, identity recovery services, and are backed by a million-dollar insurance policy. IdentityForce is used by millions of people, Global 1000 organizations, and even the U.S. Government!

IdentityForce has two individual plans that range from $17.95/mo. to $23.95/mo. with a reduced rate if you pay annually. They also have a ChildWatch plan you can add to any adult plan as well. Additionally, their website states they now have family plan options available, but you have to call and speak with one of their live agents to get that information as it’s not posted on their website, which is a bit inconvenient when trying to make a preliminary decision about which identity theft services to consider.

Another thing we want to mention is that the IdentityForce website is a bit deceiving because when you click on any given plan, the price for that plan shows as $0.00. It’s obviously not free, this is just IdentityForce’s 14-day trial period that is free. It’s also their way of getting you to click on their Sign Me Up button to try to get you to continue with their services.

© Identity Guard All Rights Reserved. Identity Guard, Total Protection, Monitor, Protect and Recover and associated designs are trademarks or federally registered trademarks of Intersections Inc. Equifax is a registered trademark of Equifax Inc., and other trademarks are trademarks of their respective owners.

Disclaimer: This content is not provided or commissioned by the companies referenced in this article. Opinions expressed here are the author’s alone and have not been reviewed, approved or otherwise endorsed by the companies mentioned. We may be compensated through advertiser affiliate programs.

Author  Image
Written By
Derek Prall
VPN & Identity Theft Expert

With a decade of experience as a journalist, Derek Prall has been covering cybersecurity for seven years. He has spent more than 1,000 hours researching digital privacy and has covered almost 100 topics related to VPN and identity theft protection. Previously, Derek has covered tech issues at American City & County magazine, where he won numerous national awards for his cybersecurity coverage. His areas of expertise included network security, big data analytics, and AI applications in public safety. Derek graduated with dual bachelor’s degrees in English and Communications from Furman University and now lives in Atlanta, Georgia, with his wife and two cats.

Which Identity Theft Service Is Best for You?

Use our new comparison tool to compare the best services by features.

Compare Services