Discover

Discover

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.

Rank Chart Our Score User Score
#1 8.4 7.8 Read Review
#2 8.0 7.3 Read Review
#3 7.7 8.7 Read Review
#5 7.4 8.7 Current

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.

42 Discover Reviews

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  • User Score

    10

    September 14th, 2017

    Great customer seevice and reasonble rates. Easy acess when im on the go and able to navigate through the mobile app.

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  • User Score

    9

    September 14th, 2017 Sugar Land, TX

    Cooperative and responsive; mostly American agents.

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  • User Score

    7

    September 14th, 2017 Ukiah, CA

    generally can access information easily, grace on a missed payment if done quickly

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  • User Score

    7

    September 14th, 2017 Ukiah, CA

    generally can access information easily, grace on a missed payment if done quickly

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    0 0
  • User Score

    10

    September 14th, 2017 Lansdale, PA

    They take care of all your card in case of theft. Monitoring is great

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  • User Score

    10

    September 14th, 2017 Lansdale, PA

    They take care of all your card in case of theft. Monitoring is great

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    0 0
  • User Score

    10

    September 14th, 2017 Fayetteville, NC

    Everything always simple to use and understand

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  • User Score

    10

    September 14th, 2017 Fayetteville, NC

    Everything always simple to use and understand

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  • User Score

    5

    September 14th, 2017 Ypsilanti, MI

    Not willing to renegotiate a lower interest rate.

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  • User Score

    10

    September 12th, 2017 Rome, PA

    Discover has been my main credit card since 1989. I have had MasterCard and Visa also over the last 42 years, but Discover card deserves my 10 star rating. Whenever I have had any issues with a purchase and the company I had made a purchase from would not or could not resolve the issue, Discover Card ALWAYS listens to my purchase issue, and then guides me through the steps I need to make to begin a complaint. Discover Card has ALWAYS investigated my purchase issue and has ALWAYS resolved the issue. I have received the monetary amount en total for the purchase or return of an item I purchased. There customer service representatives are professional, courteous and are dedicated to assisting their customers.

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  • User Score

    10

    September 12th, 2017 Rome, PA

    Discover has been my main credit card since 1989. I have had MasterCard and Visa also over the last 42 years, but Discover card deserves my 10 star rating. Whenever I have had any issues with a purchase and the company I had made a purchase from would not or could not resolve the issue, Discover Card ALWAYS listens to my purchase issue, and then guides me through the steps I need to make to begin a complaint. Discover Card has ALWAYS investigated my purchase issue and has ALWAYS resolved the issue. I have received the monetary amount en total for the purchase or return of an item I purchased. There customer service representatives are professional, courteous and are dedicated to assisting their customers.

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  • User Score

    6

    September 12th, 2017 Manor, TX

    Slow to convert secured card to unsecured. Been with them a year, score at 672, paid on time every month, and won't convert. Cust Service ignores

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  • User Score

    6

    September 12th, 2017 Manor, TX

    Slow to convert secured card to unsecured. Been with them a year, score at 672, paid on time every month, and won't convert. Cust Service ignores

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  • User Score

    10

    September 12th, 2017 Compton, CA

    High credit limits and credit line increases every 90 days. Very friendly and courteous customer service.

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  • User Score

    10

    September 12th, 2017 Compton, CA

    High credit limits and credit line increases every 90 days. Very friendly and courteous customer service.

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  • User Score

    9

    September 12th, 2017 Sanibel, FL

    They reach out in a friendly, safe manor. They offer your FICI score, when you call you get to talk to a live person in the USA and they offer seasonal bonus incentives and cash back.

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  • User Score

    9

    September 12th, 2017 Sanibel, FL

    They reach out in a friendly, safe manor. They offer your FICI score, when you call you get to talk to a live person in the USA and they offer seasonal bonus incentives and cash back.

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  • User Score

    10

    September 12th, 2017 Stockton, CA

    I have never had a problem with Discover and they have bailed me out of a few problems.

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  • User Score

    10

    September 12th, 2017 Stockton, CA

    I have never had a problem with Discover and they have bailed me out of a few problems.

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  • User Score

    10

    September 12th, 2017 Mckinney, TX

    Correct Billing, Service when need help.

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    0 0