Interchange rates and fees are paid to card issuing banks and represent the largest component of a merchant’s discount rate pricing.

Instant Quote: To find the Interchange rates most applicable to your business, take 60 seconds to customize a direct Interchange proposal and make modifications in real-time using the advanced calculator features.

Discover Interchange for Rewards Cards Issuing Bank Interchange
Discover Credit Premium Base-Submission Level (BSL) 2.95% + $0.10
Discover Credit Premium Mid-Submission Level (MSL) 2.40% + $0.10
Discover Credit Premium PSL-Card Not Present/e-Commerce 2.00% + $0.10
Discover Credit Premium PSL-Emerging Markets 1.45% + $0.05
Discover Credit Premium PSL-Express Services 1.95% + $0.00
Discover Credit Premium PSL-Hotel/Car Rentals 2.30% + $0.10
Discover Credit Premium PSL-Insurance 1.43% + $0.05
Discover Credit Premium PSL-Key Entered 2.00% + $0.10
Discover Credit Premium PSL-Passenger Transport 2.30% + $0.10
Discover Credit Premium PSL-Petroleum 1.73% + $0.05
Discover Credit Premium PSL-Public Services 1.55% + $0.10
Discover Credit Premium PSL-Real Estate 1.10% + $0.00
Discover Credit Premium PSL-Recurring Payments 1.20% + $0.05
Discover Credit Premium PSL-Restaurants 2.20% + $0.10
Discover Credit Premium PSL-Retail 1.71% + $0.10
Discover Credit Premium PSL-Supermarkets/Warehouse 1.65% + $0.05
Discover Credit Premium PSL-Utilities 0.00% + $0.75
Discover Premium Plus - Card Not Present / eCommerce 2.35% + $0.10
Discover Premium Plus - Emerging Markets 2.30% + $0.10
Discover Premium Plus - Express Services 2.05% + $0.00
Discover Premium Plus - Hotel/Car Rentals 2.30% + $0.10
Discover Premium Plus - Insurance 2.30% + $0.05
Discover Premium Plus - Key Entered 2.15% + $0.10
Discover Premium Plus - Passenger Transport 2.30% + $0.10
Discover Premium Plus - Petroleum 1.73% + $0.05
Discover Premium Plus - Public Services 1.55% + $0.10
Discover Premium Plus - Real Estate 2.30% + $0.10
Discover Premium Plus - Recurring Payments 1.80% + $0.05
Discover Premium Plus - Restaurants 2.30% + $0.10
Discover Premium Plus - Retail 2.10% + $0.10
Discover Premium Plus - Supermarket/Warehouse 1.90% + $0.10
Discover Premium Plus - Utilities 0.00% + $0.75
Discover Premium Plus Base Submission Level 2.95% + $0.10
Discover Premium Plus Mid Submission Level 2.40% + $0.10
Discover Rewards Base-Submission Level (BSL) 2.95% + $0.10
Discover Rewards Mid-Submission Level (MSL) 2.40% + $0.10
Discover Rewards PSL-Card Not Present/e-Commerce 1.97% + $0.10
Discover Rewards PSL-Emerging Markets 1.45% + $0.05
Discover Rewards PSL-Express Services 1.95% + $0.00
Discover Rewards PSL-Hotel/Car Rentals 1.90% + $0.10
Discover Rewards PSL-Insurance 1.43% + $0.05
Discover Rewards PSL-Key Entered 1.97% + $0.10
Discover Rewards PSL-Passenger Transport 1.90% + $0.10
Discover Rewards PSL-Petroleum 1.73% + $0.05
Discover Rewards PSL-Public Services 1.55% + $0.10
Discover Rewards PSL-Real Estate 1.10% + $0.00
Discover Rewards PSL-Recurring Payments 1.20% + $0.05
Discover Rewards PSL-Restaurants 1.90% + $0.10
Discover Rewards PSL-Retail 1.71% + $0.10
Discover Rewards PSL-Supermarkets/Warehouse 1.65% + $0.05
Discover Rewards PSL-Utilities 0.00% + $0.75

Important Disclaimer
This documentation represents common Interchange categories, charge and card types and does not include all Interchange levels. Information is subject to change. While we endeavor to make the information accurate, we do not warrant the completeness, timeliness, or suitability of the information for your specific needs. In addition, the summaries and information contained in this document do not substitute for the official Association publications including Visa USA Interchange & MasterCard Interchange.

Please report problems or errors you find to us at merchantrates@vantagecard.com