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
  • Introductory 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 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 a percentage of 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.

Introductory APR

Most of Discover's credit cards offer an introductory APR of 0 percent for the first fourteen months.

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The Bad

  • Late Payment Penalties

Late Payment Penalties

For the first late payment, Discover does not charge a late payment fee. However, cardholders can expect to be charged a fee for every late payment after the first.

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.

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User Reviews

Star Rating

4.4
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371 Reviews

Review Breakdown

5 star
65%
4 star
22%
3 star
6%
2 star
4%
1 star
4%

Sentiment Criteria

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KACOLE

July 13th, 2020 DETAILS arrow_drop_down
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Very good card to start my credit with. Like their credit monitoring too.

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Henry And Joan

July 13th, 2020 DETAILS arrow_drop_down
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Always professional, taking charge of a specific issue, regarding which I've contacted them

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TJ

July 8th, 2020 DETAILS arrow_drop_down
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Not a fan. The fees they charge businesses are higher than other credit card companies.

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Miss Evans

July 8th, 2020 DETAILS arrow_drop_down
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I like Discover, but the interest rate is too high

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Kevin Lewis

July 8th, 2020 DETAILS arrow_drop_down
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They are the Best Company to deal with, safe, great rewards, etc...

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Karen Becerra

June 26th, 2020 Anaheim, CA DETAILS arrow_drop_down
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They are always so helpful and amazing customer service.

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Devin Cutter

May 19th, 2020 Long Beach, CA DETAILS arrow_drop_down
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Discover was my first ever credit card and I have been a cardholder since 2013. Although they offer low credit limits on their entry-level cards, I have always been happy with my card and the customer service that I've received. My Discover It card has a cashback rewards plan that can vary depending on the type of transactions you use it for (restaurants. online retailers, etc). Since there is no annual fee, this is a great way to learn the potential of a rewards program as a new cardholder while beginning to build and understand a credit history. The minimal, clean design of the online user interface and mobile apps makes everything very easy to understand and interact with. Plus, there are a lot of cool card design options, which are fun and appealing, especially when just getting a new credit card. Over the years, I've recommended Discover to numerous friends that were looking for their first credit cards, and still would do so to this day.

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Morgan Sweat

May 12th, 2020 Montgomery, AL DETAILS arrow_drop_down
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They gave me my first credit card. But it has taken quit some time to get a review to up my credit limit. But everyone I have called and spoken with have given me direct and positive answer. They are also very clear to understand over the phone.

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Natalie Brown

April 4th, 2020 Boulder, CO DETAILS arrow_drop_down
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I have discover student and I love this credit card! They are very forgiving on fees and it's a very good card for people starting their credit scores. The cashback is extremely nice, as the cash can be deposited right into your bank account whenever you need it! The app is also extremely user friendly and nice looking. I've been with discover since 2017 and I'll continue to do so!

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MattB

April 1st, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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I have a Discover Card but don't use it as much as my Visa. I find that it is accepted at fewer places than my other cards. Customer service has been helpful when I needed assistance.

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Bonnie Graham

March 16th, 2020 Forney, TX DETAILS arrow_drop_down

Have been a Credit Card customer with Discover for many years and, they in my opinion, always give me the very best of service

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Anonymous

March 16th, 2020 Coachella, CA DETAILS arrow_drop_down

They give the customer the best service & always willing to work with you on any problems.

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Zorba da Geek

March 16th, 2020 Tifton, GA DETAILS arrow_drop_down

Always accepted and excellent customer service. And I appreciate the rebate.

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RVM

March 16th, 2020 Lubbock, TX DETAILS arrow_drop_down

My experience was AMAZING with Discover Card. I stopped using it a few years ago only because the interest rate for purchases went through the roof so I transferred the balance to another company.

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Keith Kerr

March 16th, 2020 Buffalo, NY DETAILS arrow_drop_down

Great customer service Always has the Customer at the forefront

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Lynn Beumer

March 16th, 2020 Irving, TX DETAILS arrow_drop_down

No annual fee, cash back rewards. I don't know their interest rate because I pay card charge monthly

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edward L dicola

March 16th, 2020 Erie, PA DETAILS arrow_drop_down

Discover works very good for me the cash back is helpful THX Discovver

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Marc Lipman

March 16th, 2020 DETAILS arrow_drop_down

The card is accepted most places in the USA. It is accepted very few places outside the USA. Customer service has been very good.

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Andrew Norton

March 12th, 2020 Tucson, AZ DETAILS arrow_drop_down
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My favorite credit card. Costumer service is great and I love my cash back and care benefits.

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Emily Norton

March 11th, 2020 Tucson, AZ DETAILS arrow_drop_down
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I’ll be honest Discover is the first credit card I have to build my credit so I can’t compare it to others but I can say that I love it! They matched my first year of cash back which made my payment for a few months. The app is super easy to use, you can check your balance, make payments, and it reminds you when you’re getting close to your next due payment. You can check your credit score without hurting it, and you get cash back!

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a fan that grew to be disappointed

March 10th, 2020 DETAILS arrow_drop_down

They were the first Company who gave me a chance to improve my Credit.

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Ann

March 10th, 2020 DETAILS arrow_drop_down

Dicover is reputable andt trustworthy. No gimmicksl No nonsense. My experience with Discover has always been positive.

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Karen Troglia

March 10th, 2020 DETAILS arrow_drop_down

They are great about protecting your credit card. They called me once when my card had been compromised and someone was trying to charge $10,000 worth of airline tickets!

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Vicki Powell

March 10th, 2020 DETAILS arrow_drop_down

Customer Service is Very Good & You Never have to Speak with Several Peo people

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Valencia P.

March 10th, 2020 DETAILS arrow_drop_down

The cash back rewards program is awesome! Also, they give you a great amount for a credit limit!

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atanu sen

March 10th, 2020 DETAILS arrow_drop_down

Good cashback, good credit limit, good security, no international fees

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Bruce

March 10th, 2020 DETAILS arrow_drop_down
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The interest rates they charge are way too high for my type of credit score

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CYNTHIA LEWIS

March 10th, 2020 DETAILS arrow_drop_down

Money back N giving me an opportunity to use my card. I have been loving discover for years n don't plan on abusing my card

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Debbie

March 10th, 2020 DETAILS arrow_drop_down
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Best credit card to have in my opinion. Cash back is great.

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Irma

March 10th, 2020 DETAILS arrow_drop_down

Like the money back rewards. Give people a chance to rebuild credit.

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Deborahherline

March 10th, 2020 DETAILS arrow_drop_down

Less interest than most credit card companies and the rewards are good

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James Sweeney

March 10th, 2020 DETAILS arrow_drop_down

Easy to use when traveling. Personal customer service!

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JosePerez

March 10th, 2020 DETAILS arrow_drop_down

Positive. It's the only one helping me build back up my credit.

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Kenneth Holley

March 10th, 2020 DETAILS arrow_drop_down

Dispite me having the card over 10yrs and a 720 credit score, they sought to dimish my credit line from $8000 to $1000 simply because I started my home rental repair business and had to use some credit on my other cards

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Kevin

March 10th, 2020 DETAILS arrow_drop_down

Very good company for cashback,balance transfer,and monitor fraud attempts.

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Larry. F

March 10th, 2020 DETAILS arrow_drop_down

I was very satisfied with the service on this card. I had issues with a fraudulent charge and they took care of it without any hassles.

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Kevin

March 10th, 2020 DETAILS arrow_drop_down
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Happy with the cash back, no annual fee and wide acceptance.

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Lourdes Rivera

March 10th, 2020 DETAILS arrow_drop_down

I am highly satisfied and excellent knowledgeable customer service

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myron s krouse

March 10th, 2020 DETAILS arrow_drop_down

never had a problem,if i did they usually resolved it within 24hrs

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phyllis

March 10th, 2020 DETAILS arrow_drop_down

It takes too long to earn cash rewards. Get a card like Bank of America. Amazon Rewards card goes through too much "red tape" to even qualify for one. Amazon always wants you to buy a new item and send you new email asking you to buy something. However, Amazon does not allow you to get one of their credit cards right away. You have to go to Chase bank to get an Amazon credit card. That is too much work and effort.

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Ron

March 10th, 2020 DETAILS arrow_drop_down

Always reach an American agent when contacting customer service. Great service everytime.

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Rosalind Castagna

March 10th, 2020 DETAILS arrow_drop_down

Received a low interest and by the end of the first year it was 29.99%

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Sally

March 10th, 2020 DETAILS arrow_drop_down
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got behind paid all balance off o. time wouldn't give me a new card even tho they were sending preapproved mail

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Terri Miller

March 10th, 2020 DETAILS arrow_drop_down

It's accepted everywhere, rewards are ok. But the interest is high. Shop around for lower interest

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Myken

March 10th, 2020 Cheyenne, WY DETAILS arrow_drop_down
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I’ve had several different Discover cards and have had great experiences with their customer service. I have found that many companies don’t accept it as a form of payment so it’s not as useful to me as my Visa or MasterCard Cards

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Brandy

March 10th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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Love Discover, before I went to college, Discover was the first to accept me with little to no credit, with a fairly high credit score in my opinion, 1,500. I will always recommend and love Discover.

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Cynthia Louis

March 7th, 2020 Tallahassee, FL

I just got their student credit card and so far so good. What's great about them is that you don't have to have a consistent source of income in order to clarify. Their credit line is a good amount for college students and there's some good cashback benefits. The only issue is their app kinda suck but it's fine online so yea.

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xsashalove

March 7th, 2020 Lakeland, FL DETAILS arrow_drop_down
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Loyal discover customer for years. Highly recommended and I love having the cash back option.

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Taylor Posey

March 7th, 2020 Philadelphia, PA

Discover has great customer service!! I had to get an address changed and everyone I spoke to was very kind and accommodating. I really enjoy having my student credit card.

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Ariana Key

March 6th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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I recently opened a discover card to start building credit. I am a college student and having good credit is very important. Discover has made it incredibly easy to track spending, use my card anywhere, and build my credit.