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Discover Financial began offering the Discover Card in 1985 and introduced its cash rewards credit card in 1986. Today, Discover is the third-largest credit card brand in the United States and has over 61 million cardholders.

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The Good

  • Rewards
  • No Annual Fees
  • No Foreign Transaction Fee
  • Free Credit Score
  • Fraud Safeguards
  • APR

Rewards

Discover offers a number of rewards options, including the Discover it Chrome Student Card, the Discover it Cash Credit Card, and the Discover it Miles Credit Card. With the Chrome Student Card, students can get $20 cash back each school year that their GPA is 3.0 or higher for up to the next five years. At the end of the first year, Discover adds up all the cash back earned on the student card and matches it. The Cash Credit Card gives 5 percent cash back in the selected quarterly category. The Miles Credit Card offers an automatic match of all the miles earned at the end of your first year with no blackout dates. Miles can be redeemed for travel credits or cash.

No Annual Fees

There are no annual fees associated with any of Discover's credit cards, which can save cardholders hundreds of dollars each year.

No Foreign Transaction Fee

Discover does not charge a foreign transaction fee, which is a nice benefit for frequent travelers.

Free Credit Score

Discover provides its cardholders with the ability to view and monitor their FICO score for free.

Fraud Safeguards

Discover offers several fraud safeguards, including purchase monitoring and the ability for customers to freeze and unfreeze their card in the event that it is lost or stolen.

APR

Most of Discover's credit cards offer an introductory APR of 0 percent for the first fourteen months. Ongoing APRs range from 13.74 to 23.74 percent*, which is competitive within the industry. Visit Site

The Bad

  • Late Payment Penalties

Late Payment Penalties

For the first late payment, Discover does not charge a late payment fee. However, for every late payment after that, the fee is $37.

The Bottom Line

Discover Financial offers several attractive features, including no annual fees, no foreign transaction fees, competitive APRs, and a number of rewards programs. However, the company does have a late payment fee in place.

Disclaimer

As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. See our How We Rank page for more information regarding our ranking algorithm.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify our review moderation team.


User Reviews

Star Rating

4.4
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230 Reviews

Review Breakdown

5 star
61%
4 star
22%
3 star
8%
2 star
4%
1 star
4%

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Stacy Kainer
July 22nd, 2019 Grants Pass, OR DETAILS
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Using Discover is one of the best decisions I have ever made. Their customer service goes above and beyond! They care deeply about their customers. I made a mistake recently by paying my bill right before my automatic payment date. This resulted in a double charge so I asked if that could be reversed. They not only sent my money back, but they gave a courtesy refund amount. I am beyond thankful and will always use Discover, knowing they will always be caring and helpful!

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Paige Baldwin
July 11th, 2019 Wellsville, UT DETAILS
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I really love my discover and it is easily my most used card. The staff is so helpful in answering any questions or concerns I have straight away. I never questionable about discover like I do with some other companies.

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Haley Baldwin
July 10th, 2019 DETAILS
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I use my Discover card often and it is definitely my go to card. I appreciate the good customer service this company provides anytime a problem arises.

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Kaitlin Ashcroft
June 20th, 2019 Mesa, AZ DETAILS
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Did a lot of research and just got a credit card with Discovery. I haven’t had any problems since and they made it so easy to understand what I was getting into.

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Nicholas
June 18th, 2019 Lake Villa, IL DETAILS
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Good cashback incentive on purchases. High rates if payments are missed so be sure to pay on time.

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Shanna L Hesterly
June 13th, 2019 McHenry, IL DETAILS
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I had a discover card for years and it was ok. Then recently I changed the due date from the 18th to the 25th. However they only did one step in the process which was to cancel the 18th date. I was very clear about wanting automatic payments on the 25th . Now a month later, they are charging me late fees and refused to take them off. I've always made my monthly payments with them and have been a customer for 15 plus years. When they called they kept "explaining" that it was my fault instead of how they could fix the situation. I begged them to set up automatic payments again but they refused to take off the late fees. Very disappointed with their customer service.

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Ken Francis
June 12th, 2019 Provo, UT DETAILS
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I love this bank. It is very useful and very easy to use. It has great rates and benefits. I love my discover card. I love it.

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Tess L
June 11th, 2019 Provo, UT DETAILS
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I've had my discover card for less than a year, but it has worked well so far! They have bonuses each month for different categories, and for referring a friend.

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Nathan
June 11th, 2019 Provo, UT DETAILS
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Discover is a great credit card company. Their customer service is superb and their cash back ain’t bad either.

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Mike Liddle
June 11th, 2019 Provo, UT DETAILS
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The app is really easy to use, the card service is good. The 5% bonus is usually things I use so it’s great.

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Isaac
June 10th, 2019 Kaysville, UT DETAILS
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I just helped my daughter get a credit card through discover because they are some of the best for college. You get 2% of what you spend on food and gas back each month and after a year they double that. And it’s no interest for the first year. I have this credit card and so it is a great first credit card for her.

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Rebecca
June 10th, 2019 Provo, UT DETAILS
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Love my student card. The cash back bonuses make me feel way less guilty, and there is so much visibility with their online system

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Jacob Shaner
June 10th, 2019

My family has used Discover for several years. It has been the best credit card we have used so far. We get really good cash back on all of our purchases. The downside is that some merchants don't accept Discover, but they will accept other cards with Visa or Mastercard.

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Anne Sainsbury
June 10th, 2019 Payson, UT DETAILS
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I loved signing up for Discover! The benefits that came with getting this car was amazing, plus my sister-in-law who recommend that I get this CC also got points for her personal one! Yay free money!

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Kimberly LeBaron
June 6th, 2019 Delta, UT

Discover is a great company for credit cards. They have a plan specifically for students that costs you nothing if you make you’re payments on time. Really awesome for building credit. Great customer service too.

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Grant Lofgreen
June 5th, 2019 Provo, UT

Absolute best beginner cards. Low fees and GREAT rewards. Makes credit score building accessible to all. Love it.

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Dale L Farmer
June 4th, 2019 Littleton, CO DETAILS
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I use this card the most of all my cards. I appreciate the specials they have each quarter.

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Teresa LeBaron
June 3rd, 2019 Lake Villa, IL

Cashback bonus is a good feature plus the credit score checker. Good credit card overall.

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Kimberli Shaner
June 3rd, 2019 Meridian, ID DETAILS
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Great company. Love the rewards. The website is easy to use and the customer service is top notch.

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Christopher Dutson
June 3rd, 2019 Provo, UT DETAILS
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I love discover's rewards and cash back programs and the high interest rates for discover banking.

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Brittany Bray
June 3rd, 2019 Springville, UT

I have had a discover card for the last 15 years. I love all the benefits of getting points back. They also have amazing customer service!

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Christine Farmer
May 29th, 2019 Littleton, CO DETAILS
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I've had a Discover credit card for years. What I really like about it is the variety of ways to use rewards. The choices to order gift cards or products at discount, or use rewards to pay on Amazon are very useful. My other credit cards seem much more limiting in rewards choices. They also have a great website to monitor areas of credit card use and just to maneuver to find information.

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E S
May 28th, 2019 Meridian, ID DETAILS
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Cash back bonus is good. Easy to use website. They had errors in their site’s calculation of amount due. Called and they took down the tool immediately and fixed, but did not admit their error. Great otherwise.

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BLF
May 16th, 2019 Pleasant Grove, UT DETAILS
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This was a good option for us when we needed to transfer some high interest cards to a new credit card with no interest. We were able to pay down our debt and still make purchases with great perks.

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Reese
May 14th, 2019 Pleasant Grove, UT DETAILS
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My Discover Card works well for me. It has a great rate and also a rewards program that gives me the ability to go on personal vacations with my family. There are low fees and easy way to monitor my activity and keep things current with customer support.

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Dean
May 14th, 2019 Ogden, UT DETAILS
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My Discover Card is amazing! The benefits have been a fun experience because of their variety and the cash back option is great around Christmas time. I will always keep my Discover Card because of the benefits.

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Jennifer
May 13th, 2019 Ogden, UT DETAILS
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I would consider my Discover Credit Card as the middle of the pack. This is mostly because I think the rewards are just so-so. The annual fees are low or non existent. They are great with customer service because I lost my card and had some fraudulent charges that were immediately resolved.

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Ashley
May 9th, 2019 Pleasant Grove, UT DETAILS
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The first year owning my Discover Credit Card was awesome. They will Automatically match all the cash back you earn at the end of your first year with a 0%APR. I really appreciate the no Annual Fee. I don't think there is a better card out there to have in your wallet!

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Rich Roberts
April 5th, 2019 Rockland, MA DETAILS
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Discover card has the best client services ever. The app is also extremely friendly with a wide range of services. I have a Visa and American Exoress cards but, Discover is the card I prefer above them all

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A.
February 14th, 2019 Ninety Six, SC DETAILS
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Ive been with them a long time and its an easy card to ise. I dont like that the interest rate is sooo high and its hard to talk with customer service about issues like that.

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Shauna Horne
February 13th, 2019 American Fork, UT DETAILS
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We signed up for a Discover card a few years ago because of their incentive programs. We really like their cash back rewards and every six months they have additional places we can go to get more rewards. We like to use our cash back to pay down our balance. They have an easy to use call service so we can find out our rewards and pay our balance.

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Ponch Thompson
February 13th, 2019 South Jordan, UT DETAILS
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We have had a Discover Card for over 30 years. We enjoy the extra cash back around Christmas when shopping at vendors and especially Amazon. The customer service is great! Our child also got her own card in college and has used it a bunch!

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Nathan Hill
February 12th, 2019 Pleasant Grove, UT DETAILS
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I really like my discover card. It's accepted most places and has given me good deals with balance transfers and initial offers and I really like their cash back match for the first year. I also like that their isn't an annual fee.

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Brandie Rudy
February 12th, 2019 West Jordan, UT DETAILS
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Cash back, no annual fees, great customer service to name a few of my favorite things about Discover. I love the flexibility of paying online and the website is user friendly and easy to navigate.

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David M Rose
February 11th, 2019 Pleasant Grove, UT DETAILS
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Discover was one of my first credit cards. I love the convenience and he perks including Cash Back and gift cards to stores when I spend a certain amount. There have been some retailers that only accept Discover so that is a nice benefit.

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Virginia Rosenthal
February 6th, 2019 Pleasant Grove, UT DETAILS
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There have been times in the last 10 years where certain businesses only accept the Discover Card. It's a great card to have for those times only Discover is accepted. The online statements are easy to read and the membership benefits are great with the cashback option.

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Sunny Perry
February 6th, 2019 Springville, UT DETAILS
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love that this card can be used everywhere. Had a rough month with sickness and missed a bit of work. Discover was forgiving with payments. So grateful

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Lindsey B
February 6th, 2019 Orem, UT DETAILS
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I absolutely love the cash back feature associated with my Discover Card. I have never ran into any issues using my Discover Card at any point of sale or even online. If you have an issue they resolve them quickly. Great card to have!

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Xavier
February 6th, 2019 El Paso, TX DETAILS
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Excellent customer service and products. Their promotions are consistently on part with current trends.

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Cindy
February 6th, 2019 Weaver, AL DETAILS
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Love it! Cash back, free credit report & customer service are the best!

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Cindy Bailey
February 6th, 2019 Lehi, UT DETAILS
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I have been a cardholder for years but it is not my favorite because the rewards are not as good as some other cards. Customer service is always helpful and professional.

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Jason Brown
February 4th, 2019 Lehi, UT DETAILS
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The FICO score that they provide has proven useful. I actually switched to their high-interest savings account because they have been a great company.

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janalee sanders
February 4th, 2019 Valley Center, CA DETAILS
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years ago we had a Discover card that we kept for quite a few years. there were never any issues we just paid it off and decided to just keep the card that was giving us some other purchasing benefits.

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Lindsey A Brown
February 1st, 2019 Lehi, UT DETAILS
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Discover had the best rates for us when searching for and comparing other available credit cards. The perks with this card were much better than competing cards as well. We have been very impressed up to this point with Discover.

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Hannah Thompson
February 1st, 2019 South Jordan, UT DETAILS
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I have a discover credit card and I have only had one instance that the business did not take my card. It is a very widely used card so it is a safe bet that the company will take your card.

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Jeff Blackett
January 31st, 2019 Orem, UT DETAILS
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Hands down the best Credit Card I have ever had. When it came to disputing charges or notifying them when I was going on vacation I have been blown away with their customer service. It is the first credit card issuer that I have dealt with that I actually feel like they have my best interests in mind not necessarily theirs. That's hard to come by dealing with any type of financial institution. If you have had a bad credit card experience in the past I would highly recommend Discover to change your mind.

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Dan M
January 30th, 2019 DETAILS
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They've been awesome they took care of a dispute I had with mattress firm for $5200 they took care of it no questions asked after I try to work it out with mattress firm they took over and cleaned it up

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Dasha Directo
January 16th, 2019 Provo, UT DETAILS
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Discover credit cards are great. They have a good rewards program so you can get gifts or cash back. It's a trustworthy company.

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Shayla Hankins
January 10th, 2019 Lehi, UT DETAILS
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Discover card is my one and only credit card and I love it. Their app is very useful and easy to make payments on and see my history on. They also provide a freezing service if you tend to loose your card. Their interest rates are low and they have helped me keep my credit score high.

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Christie williams
January 2nd, 2019 Santa Rosa, CA DETAILS
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I absolutely love Discover and I’m very happy I have never had to ask for credit increase which I love.