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.

Continue reading for a complete review of this company, as well as Discover card reviews from real customers.

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The Good

Competitive Cash Back Rewards
No Annual Fees
No Foreign Transaction Fee
Free Credit Score Monitoring
Fraud Safeguards
Introductory APR
Positive Customer Reviews

Competitive Cash Back Rewards

Discover offers a number of rewards options on a variety of cards:

The Chrome Student Card offers students cash back each school year if 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 Back Credit Card gives a percentage of cash back in the selected quarterly category.
The Travel 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.
The Gas & Restaurants Credit Card offers 2% cash back at gas stations and restaurants.
The NHL Credit Card offers 5% cashback on everyday purchases at different locations each quarter.
The Discover Business Credit Card offers 1.5% cash back on every dollar spent on all purchases and your rewards never expire.
The Discover Secured Credit Card is unique in that it offers cash back rewards - 2% cash back at gas stations and restaurants and unlimited 1% cash back on all other purchases.

At the end of your first year as a cardholder, Discover adds up all the rewards you earned and matches it.

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 Monitoring

Discover offers FICO credit score monitoring for free, and you don't even have to be a Discover cardmember to use this service, and checking will never impact your credit. Through this service you can see a breakdown of your FICO score and the five categories that affect it — payment history, credit utilization, length of credit history, new credit, and credit mix. In addition, you can take an in-depth look into your payment history and credit mix.

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.

Note: Many other card issuers offer the ability to freeze and unfreeze your card if necessary.

Introductory APR

Most of Discover's credit cards offer an introductory APR of 0 percent for the first 14 months.

Positive Customer Reviews

The majority of Discover reviews are positive, awarding the credit card company 4 or 5 stars. These positive reviews most frequently highlight the following:

Generous cash back rewards
Convenient mobile app
Great option for first-time credit borrowers and those who are looking to build credit

Negative reviews are limited, but of these reviews, customers mention that interest rates are high and that cards are not accepted everywhere.

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The Bad

Late Payment Penalties
Limited International Card Acceptance
Minimal Cardholder Benefits
Limited Co-branded Cards

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.

Limited International Card Acceptance

Discover cards are accepted at 99 percent of locations that take credit cards across the United States, and the Discover Global Network offers acceptance in 200 countries and territories across the world.

The Discover network continues to grow, but compared to Visa and Mastercard credit cards, which are accepted almost anywhere internationally, Discover credit card acceptance is limited. Thus, if you travel frequently, Discover may not be the best card option for you.

Minimal Cardholder Benefits

After the first year of being a Discover cardmember, there are minimal cardholder benefits available, especially in comparison to other card issuer rewards cards.
For example, Discover will match all cash back earned in your first year of being a cardholder, but only in the first year.

Limited Co-branded Cards

Discover only has one co-branded card available: the NHL credit card. Other large credit card companies, such as Capital One or American Express, offer many co-branded card options.

Co-branded credit cards offer greater access to rewards at more locations and on a wider range of purchases. Instead of having one retail card providing rewards at specific limited locations, co-branded cards combine retail benefits with the ability to gain points, miles, and rewards on more than just retail purchases.

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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. You can even benefit from cash back rewards with a Discover secured card, a unique offering in the industry. This is a great option for individuals who would like to build or rebuild their credit, while also reaping some rewards.

If you are a frequent international traveler, Discover may not be the best choice for your credit needs. While a Discover card will likely be accepted at a majority of locations in the United States, international acceptance is still very limited, especially in comparison to Visa or Mastercard credit cards.

The majority of Discover card reviews are positive. Many customers highlight the card issuer's cash back rewards, but some mention that interest rates are higher than you might find elsewhere. However, many customers mention that their first credit card was through Discover, suggesting that it is a good option for first-time credit card users.

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User Reviews

Star Rating

4.7

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909 Reviews

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71%

4 grade

18%

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T.shokati

I’m extremely disappointed with my recent experience applying for the Discover It credit card. Despite having: A FICO score of 810+, No late payments or derogatory marks, And receiving multiple pre-qualified offers from Discover over the years, my application was denied. The reasons stated for the denial were: "Number of times utilization decreased on bank revolving accounts.” “Insufficient balance decrease on credit card accounts." These reasons don’t accurately reflect my financial situation. I pay off all my credit cards weekly, keeping my balances at or near $0. How can I reduce balances that are already zero? When I called Discover to request clarification, the explanations provided were vague and unhelpful. It’s frustrating to see such poor decision-making and a lack of professionalism from them. To make matters worse, they refused to reconsider my application or remove the hard inquiry that unfairly impacted my credit score. I applied in good faith based on Discover’s repeated pre-qualified offers, but this experience has left me feeling misled and penalized for being a responsible borrower. I hope Discover reconsiders how it handles applications and treats potential customers in the future.

2 weeks ago

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Verified Customer

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Anonymous 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.

7 years ago

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Verified Customer

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Anonymous Rome, PA

7 years ago

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Jenny Bourgeois

I've had several different credit cards throughout my life. Discover has been by far the easiest company to work with. The App makes everything sooo easy. Obviously you can make payments BUT it also tells me every month what I can purchase each month to earn extra cash back points. Get your cash back points people! Right now I have almost $400 in cash back credit. I save it in case I have a tight month for money I can use it to pay my card payment. Love my discover card! For the 1st year I had 0% interest so I just used my card and paid it off and earned my cash back bonuses.

5 months ago

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Dennisse Luyando

As a Discover credit card holder for the past two years, I am compelled to share my exceptional experience with a service that has not only met but exceeded my expectations at every turn. Discover’s unwavering commitment to customer satisfaction, cutting-edge security features, and seamless global acceptance. Reflecting on my two-year journey with Discover, I am thoroughly impressed by their dedication to customer satisfaction, security, and global connectivity. The fast assistance from their customer service department and the prompt, effective management of any issues that have arisen, underscore their commitment to their cardholders. Discover stands as a leader of excellence in the financial services sector, and I wholeheartedly recommend their credit card to anyone seeking a reliable, secure, and customer-centric payment solution.

8 months ago

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Stephanie Bloniarz

I have had a Discover credit card for 20+ years. I like their website, where I track my spending and rewards. They always deliver great customer service, and I especially like that they monitor my credit for free. They send reports of any new accounts or inquiries and helped us fight off a fraudster. Way to be awesome, Discover!

8 months ago

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Verified Customer

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Diane Lawson Far Rockaway, NY

They worked with me all the time to keep my bill paid on time they have low interest rates and they gave me credit when no other company would give me a chance when I called I got a representative very easy and quick

7 years ago

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Dusty Baca

I’ve had a Discover credit card for years now and have not had any problems. The one or two times I’ve had to deal with fraudulent charges, Discover has been incredibly helpful and swift in handling it. Less important, but I also really like the card design options!

4 months ago

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Tina Jones

What I like best about Discover is their customer service! They stay on top of potential fraud and are quick to alert me about transactions they think might be fraud. We've had our card replaced many times and they always rapid-ship our new cards to us.

5 months ago

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Daniella

When someone attempted to use my card fraudulently, Discover alerted me. Since I didn't make the purchase and Discover helped me get a new card and close my old one, I'm really grateful for that notice. Their security was efficient and quick. Would definitely recommend them always

5 months ago

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Linda Zibrowski

I don't really have a serious issue with Discover credit card company it is certainly a reputable company and long running company at that. Discover credit card knows what it's talking about when it comes to getting the money and credit that u need, but without even batting a eye to people that have lower credit rating than others !, WHY?!? There are so many kind of people in the world and I don't know of ANYONE that has not made a mistake in their lives and does that mean everyone should be punished for their mistakes for the rest of their lives??? No!!!! Everyone should get another chance at life and if you don't have that in mind your expectations will be too high for most anyone to achieve. I find, that when I did a small research on the expectations of credit card companies on the general public under 50% of credit card holders were able to apply for the Discover credit card and past the rigamarole and received credit, compared to the millions of people that have applied for the Discover credit card and didn't pass the credit credentials. Why??? Because as we all know companies want to be reputable source for money, community, and for customers, NOT just any customer the best of the best because u need to be with good standing people in order to stay a reputable company and no one wants to take a loss because of someone account so people that have less than almost perfect credit will have a very hard time receiving credit from Discover credit card. I am happy with Discover other than that I believe if u don't have the DISCOVER Mastercard Try it it's not waisting your time

6 months ago

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JM Homeowner

Discover said Yes to me over 20 years ago when others denied me. Discover always listen when call and in the event of a strange transaction, Discover makes it easy to report and stand with you and move quickly to resolve the issue. Discover is a company I not only trust but am proud to carry their card with no trepidation as I know they will have my back if needed.

6 months ago Edited May 29, 2024

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Deborah Dyer Hendersonville, TN

I’ve had many different credit cards in my 70 years. however, You always want to get the one that will have the best benefits for you. I feel with the Discover it card I’ve had for 4 years that I got just that. I enjoy in using the Discover card that I get money back based on the purchases I make and m6 card matches that amount. It’s nice to have perks along with a card. There is NO annual fee as a lot of Credit card companies are going back to which I am not going to pay.. I like the fact I earn 5% cash back on purchases like from Amazon , restaurants, gas, and other stores. Discover cash back is perfect for my needs. I liked the fact that for the first 15 months it was 0% APR on my purchases. ☺️

1 year ago

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Jessica Lynn Heady Mantua, NJ

Discover is my first credit card I’ve had, so I can’t compare it to other credit cards. That being said, I absolutely love Discover! I am on the Discover Student plan and it’s honestly the best; getting cash back whenever I use my card for gas or restaurants is amazing. Being a college student, food and gas is where all my money goes to anyway, so why not just get cash back for it!? I’ve very little trouble with them, but when I have had trouble Customer Service was super nice and helped me with everything. They even answer on Twitter, which is a HUGE plus for me. Lastly, their app is so easy to use and understand. It’s easy to see every purchase you’ve made and it’s easy to pay your bill right in the app! 10/10 highly recommend.

7 years ago

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Catrina L. Smith

I really like Discover for several reasons. Firstly, the interest rate is low whereas I can see my debt decreasing, and this gives me a sense of comfort knowing that my debt is diminishing. Secondly, because of this, I have a low monthly payment which allows me to make higher monthly payments over the requirement to pay off my debt. Thirdly, I have several options to pay my bill without being forced to talk to an automatic system; I prefer to pay over the phone because that is more suitable for me. Additionally, Discover does not have a convenience fee when I pay by phone, and I am grateful for that. I am allowed to speak to a person which makes me feel as if I am priority and important. Fourthly, the customer service representatives are professional, attentive, and patient, and lastly, when I went through a financial hardship, Discover was understanding and was patient and kind towards me. These are all the reasons why I will continue to use Discover and why I will recommend anyone to choose Discover. I was at peace when I obtained my credit card with this company because a family member referred me, and she expressed to me how much she loves Discover. My family member has very high standards, and for Discover to meet those standards, it says a lot. I have been a Discover credit card holder since the spring of 2014, and I look forward to continue being a proud, happy, and satisfied customer. I would love to do a commercial advertising its products and services.

7 years ago

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Kristen Goode Madison, AL

I have credit cards with six different institutions, and Discover has the absolute best customer service. The automated system gets my information and gets me to a representative quickly, and I don’t have to click through 40 different menus. I’ve also never had to wait more than thirty seconds for someone to answer. The representatives are always incredibly helpful and nice, and we have great conversations while still handling the business I need to in a timely manner. To be honest, I enjoy calling Discover customer service, and I dread all other customer service calls (ex- the cable box in my bedroom hasn’t worked in two months. I just don’t have the desire to deal with the cable company's customer service). Bottom line: Over the past 5 years I’ve realized that Discover card’s customer service is even better than the TV commercials say it is.

7 years ago

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Peg Bellard Fort Smith, AR

Discover has been my credit card since 1996. Discover is the only credit card I use. I’ll have to admit that for years, after I began using Discover, I had to keep a Visa or Mastercard because at first, many businesses didn’t accept Discover. But now, it is rare to try to use my Discover and it not be accepted and in those very rare cases, I don’t do business with that company. My account has been breached several times over the years and Discover has never failed to back me up and not hold me responsible for charges I did not make. Several times I’ve been scammed with poor products I ordered and received but was unable to contact the company who sold them. Discover has, again, backed me up and gotten refunds for me. Discover offers a low $99 annual I. D. Theft Protection which to me is invaluable. I have spoken many, many times with Discover customer service and to my total satisfaction, I’ve spoken strictly with clear English speaking reps. And this too is invaluable to me. A great perk is the 5 percent cash back throughout the year on specific types of purchases. I have been singing praises of Discover to family and friends for years and will continue to do so.

11 months ago

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TBear.93

I've had a Discover card since 2021 and have had no issues with them. Their app is functional and easy to use. When I've had to talk to customer service to get my name changed, they were very helpful. I love the card designs they offer.

6 months ago

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Linda Paul

The basic Discover card is great for getting money back. My first year I put all my auto deduct bills, like telephone, apps for TV, etc. at the end of the year I was able to buy an airline ticket to NY with the “free” money. Very easy to earn money on Discover.

8 months ago

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Carol

Discover has great initiatives and Cash Back incentives that have helped me with purchasing several needed items. VERY thankful for this company. They also were very helpful in alerting me when a charge was in question and were much more proactive with identity theft alerts than any other company I have used.

8 months ago

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Dutch

I love this bank. No fees and their cashback debit card is awesome. Would highly and greatly recommend as an online bank because their customer service are excellent. Discover has top of the industry security protecting my funds and and are easy to use

8 months ago

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Kristian Perez Clavell

I would say this is my favorite credit card. The service is amazing. The App is super user friendly and allows you see all the benefits of how to obtains the great advantages of the credit card. I like to see the credit bureau report every month with the account statement. Also, the chart with all the % of rewards is amazing and very simple.

8 months ago

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JOHN M CAMPBELL ,

What a terrific credit card! No annual fee, US-based Customer Service reps and good return on their points! I've been a customer since 1978, almost as soon as they opened. Now that they've bought Diners Club, you can even start to use your Discover Card overseas. And, of course, no foreign exchange fees. User-friendly website and they offer quarterly point boosters! It's a great card!

3 years ago

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Karen Torino Tallahassee, FL

I recently received my discover cash back credit card and so far it is great. I was referred and then I referred someone else so they gave me $100 credit. Their customer service is great, they helped me get approved in until 10 minutes. They also offer cash back at different stores throughout the year which is nice since it opens your options for cash back. So far, so good!

4 years ago

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Stacy Kainer Grants Pass, OR

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!

5 years ago

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Customer East Hartford, CT

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.

6 years ago

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Tamekia Camden, NJ

My experiences with discover has been good thus far, I have only been with them a few months but I have had no issues whatsoever. Applying for a discover card was a very easy process, hopefully after 6 months or so of keeping my account in good standing I’ll qualify for a credit increase. The whole purpose of me getting a credit card was to help improve my credit score and in the short amount of time I have seen a big improvement in my score.

6 years ago

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Alex Rogerson Saratoga Springs, UT

We consolidated our credit cards from an old business we owned into one with Discover. We had no interest for a year and were able to get out of all credit card debt in half the time. They also do a rotating 5% cash back to different stores, so that is fun to get cash back at places we already go to all the time - such as Target, Home Depot and Costco.

7 years ago

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Sandi Westover Fremont, CA

I don't use Discover as often as my Visa. I pay my credit cards off each month so I don't look at interest rates. I only look at what rewards and perks they give. Discover is free, no annual fees. Discover gives cash back. And each quarter it gives 5% back in certain categories. You have to sign up each quarter to get the 5% rewards so it's not automatic. Once you earn cash back you can redeem it for gift cards, and some gift cards come with an extra $ bonus. Discover is not often taken in foreign countries so that's a drawback. When I've traveled abroad I need my Visa. One thing I don't like about their statements is that is organized by category instead of by date. If I could choose the format I wouldn't mind. But it only comes by category. When I go to balance my credit card statement with my Quicken it's all out of order and harder to do. It's easy for college students to get Discover cards which is a good way for students to start building credit. Overall I would recommend it as a first credit card.

7 years ago

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Mike Lisanke Durham, NC

I've had a Discover Card almost since they started doing business. I've always been please by their Customer Service... especially, their responsibility and involving me to help to keep my account+credit secure. Recently (after Equifax hack) Discover Card enabled more services to help maintain a watchful eye on our credit. I want to personally thank them for the wonderful services they provide.

7 years ago

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bnjfrancis1 Allen Park, MI

Have had my discover account forever it seems, and is my most used credit card. The cashback points are great and the extra points every 3 months are a bonus. I check my credit score through the app also which is great. Had my card stolen with fraudulent charges and they were removed quickly and received a new card. Has been the best card in my opinion

9 months ago

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Otim Jordan Kampala, 102

It was formerly good offering cash back and points after transaction but recently received an email stating that my Discover credit card had been closed. This was surprising since I always paid on time and recently paid off my balance. When I called to inquire, they stated that they do credit checks every year and found that my debt had increased, I had several delinquent accounts and a few new accounts that I had opened but good enough we solved it and my account was unlocked.

10 months ago Edited January 15, 2024

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Tori Freeman Huntsville, TX

I’ve bounced around with several credit card services but Discover has made a lifelong cardholder out of me! Their customer service is outstanding. I’ve been lucky to never have any fraudulent charges but they are quick to contact me about any large purchases I’ve made that they deem suspicious, and I love knowing that should I ever receive a fraudulent charge they would be quick to respond. Plus, it’s hard to beat their cash back program on top of no annual fee. I have recommended Discover to multiple friends and would highly recommend them to anyone looking for a company who truly values and serves their customers.

1 year ago

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Bitglass101 Lewisburg, TN

I recently had the pleasure of using Discover Card and I must say, it has been a life-saver! When I was in a financial bind, Discover Card stepped up to the plate and provided me with an easy solution. Not only did they offer great rates on my purchases - but their customer service is top notch! They answered all of my questions quickly and efficiently, making sure that all of my needs were met. With so many options out there for credit cards these days, it's hard to know which one will be best for you – but if you're looking for reliability and affordability then look no further than Discover Card.

1 year ago

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Thomas Wilde Frankfurt am Main, HE

Always in my mind is their jingle, It Pays to Discover. I first signed up for their card back in the 1980s. People I knew were paying for their cards and I was getting a cashback bonus instead. Through the years I have been subject to identity theft, and even though a sizeable bill was run up on my card Discover said don't worry about it, everything is fine and your new card is in the mail. Before I signed up for autopay I forgot to send in a check in time, but they just said don't worry about it. You are in good standing and we will not charge you a late fee. And now they provide the ability to check your credit score at any time as well as other features I haven't used. They do send me an email each month telling me if there have been any credit inquiries or if anyone has attempted to open a new line of credit in my name. I have four other cards, and for a while was mostly using my Amazon card. But now I am back mostly using the Discover card, especially since my cashback bonus is linked to my Amazon account.

2 years ago

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Blake Hirschi Salt Lake City, UT

I didn't have anyone in my life to co-sign onto a credit card with me when getting my first one. I applied for a lot of different cards because I knew it was time to start building my credit. I even applied to a card with the bank I had been with for over a decade and was declined because of my lack of credit history. I was a college graduate with zero student debt, I had a good job and had never carried any consumer debt (obviously) and because of this lack of credit history I was denied everywhere I went until I tried discover. Discover had some convenient and small options for a first timer like me. They were so quick and helpful in setting me up with everything I needed. I've been with them for a while now and have been continually rewarded for my responsibility. They've helped me build my credit to where it is today.

3 years ago

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Devin Cutter Long Beach, CA

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.

4 years ago

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Dustin Marx Brighton, CO

We have had our Discover credit card longer than any of our other credit cards. The biggest disadvantage of the Discover credit card compared to Visa and Mastercard credit cards is that it is accepted by fewer merchants than those two. However, there are some nice perks of the Discover card. One we really like is the ability to get cash back at several vendors (including Wal-Mart and King Soopers and other Kroger grocery stores) without any charge (as long as the balance is paid in full each month). We haven't needed to use an ATM inside the United States for years with this easy access to fee-less cash. Discover has offered cash back on purchases for a very long time and offers much higher rates of cash back in different categories each quarter. Discover cash back is even more valuable when used to purchase gift cards from Discover instead of tasking the cash. We have elected to receive $50 gift cards instead of $40 or $45 cash many times in the past, making the reward more valuable. We choose gift cards for places we'd go to anyway and Discover makes it easy to do this because there are so many options for gift cards. One final Discover benefit we appreciate is the inclusion of credit score and report details with our monthly statements.

5 years ago

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Charles Norton Zanesville, OH

Love the US based customer service. Very flexible credit card company. I am also a customer of their new checking and savings account as well. I just wish they were accepted at more venders.

11 months ago

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Luccianna Rechany

I've been a customer for more years than I will admit to and they arw always helpful and responsive to requests from raising my balance for a big purchase to providing special interest rates

6 months ago

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Robert Horn II Pahrump, NV

The Discover credit card was my first credit card and I have had it for over forty years now. The card is accepted at most all places. I have only had to dispute a charge once in all those years and the customer service took care of the problem immediately.

1 year ago

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Pekeiydra Williams Tallahassee, FL

Got my first credit through Discover. Best decision ever, love how they give cash back to students. They always reward me every school year for having a 3.0 or higher which is nice! Definitely would recommend anyone looking to start a credit history to start with Discover, even if you’re not a student.

4 years ago Edited September 14, 2021

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Missy Charleston, IL

I have used Discover card for the past 25 years and it would be a hard sell to get me to switch. Discover's customer service has been great whenever there is a dispute, their cashback bonus has been a nice perk over the years, and we always pay our balance each month so it is never a burden.

4 years ago

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Eddie Rios Ogden, UT

I have been a Discover fan for so long. Discover offers competitive rates, excellent cash back programs and offers increased acceptability. I have been so happy with their credit card, it has been hard not to use. From superb customer service to simple billing, I have been very impressed. Not likely to ever change my feeling about Discover!

4 years ago

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Gloria Engdahl Racine, WI

Discover is a wonderful credit card due to the fact there is no annual fee, it’s not too hard be approved and the rewards program is great! Also their customer service is amazing! You always talk to a live representative all the time!

5 years ago

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Shauna Horne American Fork, UT

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.

5 years ago

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Quintin Waukegan, IL

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.

6 years ago

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Michelle S Williamsburg, VA

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.

6 years ago

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Jeralyn The Bronx, NY

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!!

6 years ago

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John Burns Hendersonville, TN

I've had good experience with Discover except how they handle a dispute...it's terrible. I've had to file a few disputes after I hit a dead end with the merchant. Discover doesn't appear to investigate, the just side with the seller, even when there is an obvious fraud problem. I guess they don't want to make waves? So much for "the customer is always right". Discover's motto is "the customer is always wrong".

6 years ago