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.

Top Ranked Companies

company logo
#1 Capital One chevron_right
9.4 Overall Score
4.3
starstarstarstarstar_half
(490)
company logo
#2 American Express (Amex) chevron_right
9.2 Overall Score
4.3
starstarstarstarstar_half
(440)

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.

Visit Site

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.

Why Can I Trust Bestcompany.com arrow_drop_down

User Reviews

Star Rating

4.4
starstarstarstarstar_half

366 Reviews

Review Breakdown

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

Sentiment Criteria

Value for your money
starstarstarstar_halfstar_border
Quality of product or service
starstarstarstar_halfstar_border
Customer service
starstarstarstar_halfstar_border
Company trustworthiness
starstarstarstar_halfstar_border
search cancel
starstarstarstarstar

perscilla

March 5th, 2020 Tallahassee, FL

I have been with this company since my first year of college. This company helped increase my credit fast.

starstarstarstarstar

Azrienne

March 5th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

As a college student, i need to build my credit and this was an easy credit card to get approved for!

starstarstarstarstar

Cyndee Seare

March 5th, 2020 Midvale, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Discover is awesome because of the cash back program. Most places also take discover card

starstarstarstarstar

Rocio Diaz

March 4th, 2020 Jacksonville, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

My first credit card. Great cash back opportunities and rewards. A great range of colors to choose for your card as well. The 0.00% APR for the first year is also great.

starstarstarstarstar_border

Jacqueline Andrews

March 4th, 2020 Tampa, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Good starting card with decent cash back. I appreciate getting a credit report with every statement.

starstarstarstarstar

Bianca Jyotishi

March 4th, 2020 DeLand, FL

I absolutely love my Discover accounts. I have their cash back credit card, as well as their checking and savings account. Any time I have any issues with my account, customer service is super friendly and can easily help me resolve the problem. I have saved so much money with the 5% cash back as well, particularly the matching after one. year. I highly recommend Discover to everyone!!

starstarstarstarstar

Natalia Correa MDTribe

March 4th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

This was the first credit card I opened. They have cashback and rewards for students which is a really awesome perk!

starstarstarstarstar

Karen Torino

March 4th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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!

starstarstarstarstar_border

Jake Mecham

March 4th, 2020 , CO DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

It used to be that you would always hear "I'm sorry, we don't take discover", but the times have changed! Discover is a great first credit card for a college student. Helped me build my credit and had a decent rewards program, but not the best.

starstarstarstarstar

Jackson Barousse

March 4th, 2020 Thibodaux, LA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have a credit card with Discover Card. They are very friendly and willing to work with you for any problem you come with. Their rates are also pretty low. I also love the layout of the card!

starstarstarstarstar

Emily

March 2nd, 2020 Crawfordville, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I love my Discover credit card. It was the only credit card I got approved for when I turned 18 and have earned CashBack non-stop! I have never had any issues with a stolen identity, and they are very good at increasing your credit limit when you pay on time and do not keep the credit card full.

history
starstarstarstarstar_border

Bryndie

March 2nd, 2020 Managua, MN DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Really good travel cards to use. The no international transaction fee seems small but it’s saves you lots of money in the long run. Good customer service too.

starstarstarstarstar_border

Tyler Salvesen

March 2nd, 2020 Logan, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstar_borderstar_border

So I got my discover car about 6 months ago! The limit was more than o was expecting and it has helped my cover rent when I was low on income! Great product, great customer support!

starstarstarstarstar

Maryann Renteria (Mckrae)

March 2nd, 2020 Phoenix, AZ DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

I loved my Discover card! It was a lifesaver when my life was turned upside down! Great people!

starstarstarstarstar

Sandi Burkinshaw

February 28th, 2020 South Jordan, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

Love Discover card, especially their cash back bonus program. I can use my cashback bonus to pay towards my credit card balance, for my amazon purchase, or my favorite- gift cards to different places, for example

starstarstarstarstar_border

mccandless24

February 28th, 2020 Kaysville, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

The customer service at Discover is one of the best I have ever dealt with. They are willing to listen and see what the best option is for you. They have numerous cards and will try to help find the best option for your lifestyle.

starstarstarstarstar

Club rush

February 28th, 2020 West Valley City, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have a credit card as well as 2 savings and checking accounts. The service is great.

starstarstarstarstar

Tiffany Barney

February 28th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Favorite credit card! Discover rewards has allowed us to vacation once a year and no annual fees!!!

starstarstarstarstar

Linda Lender

February 27th, 2020 Orem, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have never had anything but a great experience with discover card. Their interest rates are good. They have a local servicing department in salt lake City.i like that

starstarstarstar_borderstar_border

Mykahla Nelson

February 26th, 2020 Managua, MN DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

I like discover ! The only thing is sometimes places do not take this card and that is a little tough.

starstarstarstarstar

Binky

February 25th, 2020 Little Rock, AR DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I love the cashback option. I feel like I get paid to use my credit card!! It helps that I always pay off my card each month.

starstarstarstarstar

Karina Aguilar

February 25th, 2020 Managua, MN DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstarstar_border

they gave me a credit card with a great line of credit and I love how they have no foreign transaction fees

starstarstarstarstar

Melanie Johnston

February 25th, 2020 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have my discover card and love the customer service. Once my wallet was stolen and Discover was amazing. They helped me go through my charges and called other cards to help when I was going through everything.

starstarstarstarstar

JDWain

February 25th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have used Discover credit cards for a number of years and have never had any problems with the company. I find that Discover gives me the most points back than any other credit card company so I use them the most

starstarstarstarstar

Dwhoush

February 25th, 2020 Slidell, LA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I absolutely love my Discover card! The no annual fee really sold me on it. The app with the card as well is very straight forward to use.

starstarstarstarstar

Cade Boudreaux

February 25th, 2020 , FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have a Discover Credit Card and would recommend other people using them. The rates are low and customer service is very willing to help if you can’t make payments on time.

starstarstarstarstar

Mike Ika

February 21st, 2020 West Valley City, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have been with Discover for almost 20 years. They have been so good to me. No annual fees and great rewards. I use my Discover card for everything because the cash back that I earn is great. Over the years, I have earned literally thousands of dollars in free money. How can anyone not love that?

starstarstarstarstar

Jessica

February 21st, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Discover has excellent customer service and they are quick to take care if any issue that arises on your card.

starstarstarstarstar

Ron Vincent

February 20th, 2020 Cheyenne, WY DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

We’ve had dealings with Discover for 18 years! Never have we EVER had a problem with them. We’ve always paid them on time and have no problems at all. We use them for our business. We like getting reward cash back which we love!!

starstarstarstarstar

Hallieford

February 19th, 2020 Arlington, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have had my discover card for ever and never had any problems. I always get great cash back rewards.

starstarstarstarstar

Nesha Leonard

February 18th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I love my card. It’s helped me build my credit. It’s very convenient for me to use.

starstarstarstarstar

GrandpaRod

February 14th, 2020 Lehi, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I love cash back. I love the customer service when I call in for help. I love the information such as my credit score which comes at no charge. I love the experience at no charge to me. Thank you

starstarstarstarstar

David T

February 13th, 2020 Draper, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I like the 5% cash back they have for different areas each quarter. I also like that they don't charge a fee. Their customer service is top notch!!

starstarstarstarstar

Yumiko Matsuoka

February 12th, 2020 Bethesda, MD DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Great rate for banking service and great customer serves for credit and banking services

starstarstar_borderstar_borderstar_border

Roche

February 11th, 2020 American Fork, UT DETAILS arrow_drop_down
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

I did not have a good experience with discover card, my Southwest credit card gives me points for every purchase that goes towards future flights.

starstarstarstarstar_border

Camille

February 10th, 2020 Lynnwood, WA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

A good credit card, but has higher interest rates than other cards. Also, not always accepted at points of purchase.

starstarstarstarstar

Mrs.LadyTee

February 7th, 2020 Chicago, IL

This card has great cash back earning rates. It is one of my go to cards while out and about.

starstarstarstarstar

Eddie Rios

February 5th, 2020 Ogden, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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!

starstarstarstarstar

Beverly Schacher

February 5th, 2020 Long Beach, MS DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Discover card has excellent customer service, competitive interest rates and no annual fee. I have had my Discover card for many years and have never had any problems with it.

starstarstarstarstar

JamieD

January 31st, 2020 Orange, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I really appreciated discover’s customer service. There was a glitch on a large purchase that I was making (on the retailers side), and discover’s customer service team jumped on and helped to figure things out. They really made things work out great

starstarstarstarstar

kayshel

January 31st, 2020 Herriman, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have used primarily a discover card for probably 40 years and have total confidence in the company. The couple of times that I have had a problem, they have handled it fairly and quickly. They are careful and watchful for any unusual activity on my account.

starstarstarstarstar

Juliann Mecham

January 30th, 2020 Managua, MN DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Discover is such a high quality credit card. Lots of rewards, safe and reliable.

starstarstarstarstar

Reckholdt

January 29th, 2020 Magna, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

We have used Discover for a long time. They have amazing customer service and their cash back rewards are great.

starstarstarstarstar_border

Imani Monroe

January 27th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

I enjoy being with discover, but they’re customer service sucks. I can never get my concerns resolved and wish they would be more helpful.

starstarstarstarstar

Danii W.

January 27th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

Discover is my first credit card. I like the rewards and it’s easy to maneuver. I’m excited to continue to use it.

starstarstarstarstar

Cam McClellan

January 27th, 2020 Magna, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

We have had a discover card for 10 years now. We love the 5% cash back every quarter on selected items and their customer service.

starstarstarstarstar

Susanna Collins

January 22nd, 2020 Long Beach, MS

They have a great debit card for teenagers. Very reliable and amazing customer service.

starstarstarstarstar

Guerothlyn Saint-Jean

January 10th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

This is a great credit card company to use especially for those that want to start off their credit.

starstarstarstarstar_border

Destiny Wyche

January 10th, 2020 Tampa, FL

I am currently a college student and struggled to find a good place to begin building my credit for the first time. The customers service representative was very helpful in explaining how the student card works and it was easy to navigate through the application.

starstarstarstarstar

Derrian

January 10th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I love Discover because it actually gives college student a chance and opportunity to build credit! The application is very simple, short and doesnt take a long time to finish. There APR% are one of the lowest out of many different comapnies I have researched on. If you want to try your first credit card, I would highly recommed it for college students!