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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.
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.
There are no annual fees associated with any of Discover's credit cards, which can save cardholders hundreds of dollars each year.
Discover does not charge a foreign transaction fee, which is a nice benefit for frequent travelers.
Discover provides its cardholders with the ability to view and monitor their FICO score for free.
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.
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
For the first late payment, Discover does not charge a late payment fee. However, for every late payment after that, the fee is $37.
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Discover has a great credit card. Their customer service has been very helpful for me.
I love the rewards on my Discover card. Especially on gas, it’s a great deal. Plus there are tons of other perks.
I got a student discover card and the APR was really high. The promo period was nice though and there was no annual fee.
Love my discover card and the 5% cash back. App is simple to manage and helps us stay on top of our finances. Lots of neat features in the app
I had a Discover card as a college student because it was free as a student. However, when I graduated the monthly price shot up with no warning. Also, they advertise that you can see your credit score for free but every time you looked it messed up your credit score, NOT COOL!
I love using my card and being able to eat cash back. I love how simple and easy the app is to navigate and that includes my FICO credit score so I can stay on top of it. I was planning to open a savings with my bank, but chose to open it with discover, because of how great their services are.
Although I really HATE the high interest rates, when I got my debt under control and started paying off my card each month (week), I have enjoyed the benefits of the cashbacks offered. Before then, they were helpful in freezing out card and lowering rates when I called at our worst financial time. Customer service was very helpful for that. In addition, customer service at Discover was helpful in helping my adult children establish their first credit cards.
I have the Discover It card student version & it’s seriously the best card ever. The 0% interest rate for 12 months is unbelievable. It’s the best thing ever that I wish all my other cards were like this one. 1% cash back on everything and 5% on deals quarterly. I once had like a $50 cash back to redeem. It gives you the option to deposit it into your checking account or add it to your statement!!
I love my Discover Card! I like that I can see my FICO score. I like I can use my reward points on my Amazon purchases. I love the 5% cash back.
I wasn't impressed with my Discover card. The customer service was okay, but in the end I cancelled because I didn't need a mediocre credit card.
Good cash back program. Convenient online banking. Don't like the 3 day delay in crediting fund transfers but otherwise good.
I absolutely love my discover card. I got one when I was 18, and I love how I’m able to earn so much cash back on my purchases. The auto pay option makes having a credit card a worry free experience for me. Customer service is excellent. If there’s ever an issue, they are quick to fix it and give the customer the benefit of the doubt. I highly recommend discover.
Using discover has been a good experience. I used the student credit card mainly to get credit. It gives you a free credit check every month without hurting your credit, and gives you tips on how to improve you credit. The app is nice because I get an alert for every purchase so hopefully I won’t be a victim of identity theft. Sometimes billing takes a couple of days before payments go through, and I wish that were faster, but otherwise it’s great.
5% cash back is amazing and I'm sad to see the discover deals go. They let you apply cash back to Amazon, your statement, your bank account- which was awesome. I pay huge bills on it just for the cash back. They pick up on fraud alerts very quickly, but I wish there was a way they wouldn't lock it out at work every time I make a purchase (regardless of the amount of times I have asked them to unflag my employer's cafe). Online view and applications for phone are very easy to use.
Discover card was my first credit card coming out of high school, I thought it was great. Customer service for the most part was great when I needed to call. I did a few balance transfers with them, and every time went smoothly.
Discover was my first ever credit card. I still have that card...along with a couple more Discover cards! The APR’s aren’t the best, but I do like the no annual fee!
I have had a fairly positive experience with Discover card. It is hard to get a hold of someone on the phone.
Discover card is a great card to have because of the cash points you get back for every dollar you spend. It can be used most places and I have had one most of my life. I have gotten a lot back from using this card.
I have had a Discover card for over 10 years. I mainly wanted this card to get their floating rewards program (different reward each month). But, it was too much a pain to keep track of what the reward was, and what I needed to do to qualify for it.
Easy to use the cash back points. Great customer service.
Been with discover for almost 20 years. Love their customer service and their cash back rewards.
i always get pre approved mail and email. when you actually call them your really NOT approved. you have to go through an application process to find out you are not approved after pulling your credit. then you get a call the next day i have been approved. but yet i have to give them all my information all over again! i asked them what is the interest rate and it was too high for me and had to decline. when i declined the gentlemen hung up on me. then a few days later i get another call from Discover that my card is on its way. i called them immediately and was on hold for 35 mins to just have the call dropped. i tried again and on the phone for another 25 mins. horrible service, just another reason why i do not want to do business with Discover.
I have had my Discover card for years. I love that I have a high credit limit and can make large purchases in times of need.
I had this card several years ago and didn't see a need to keep it. It didn't give me any incentives to use it and I just didn't need another credit card in my wallet.
Just started with Discover. I like them so far. They seem very customer friendly. They're just not accepted in a lot of places.
I enjoy the monthly credit score update, and the cash back. Customer service is top notch.
Great company to have a credit card. I love using mine for everyday purchases because my points add up for extra benefits.
Their mobile app’s customer service is great. I love this card.
Great for balance transfers and have had good experiences with customer service.
I have a discover student card and I love it. Other credit card company's wouldn't allow me a card but Discover gave me a card with great benefits and deals. Mobile app is great all-around, very easy to work with.
Great app, great services, and great savings. Offers free credit report without hitting credit score.
Have been a credit card holder for many years. I love the online shop discover partnerships but get frustrated by the rotating 5% back categories. With everything else going on in my life, this is one more thing to have to think about. Consequently, have been using less.
Good card. Longtime user. Like the extra 5% cash back quarterly on general categories of purchases - wish I didn't have to sign up to qualify for this 5%. Like how when redeeming awards can get discounted gift cards.
I've used their credit card for years and really like the quarterly cash back feature, their customer service, and I do love that you can personalize your credit card! Their website is very easy to use.
has been good. Doesn't charge any hidden fees and is reasonable with interest.
Discover has great offers for credit cards and their interest rates. We were able to pay off a credit card quickly with minimal interest because of what Discover offered us. They are easy to work with as well.
It has been a while since I had a Discover card. I only had it for one year. But found the fees so exorbitant I got rid of it. The customer service was not good, I found them rude and unhelpful.
Excellent credit card and excellent customer service.
My very first card. Very pleased with the benefits they offer
This card can be used most places so it is convenient.