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7.6

Overall Score

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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.

6 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.

6 years ago

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Scott Smith

Discover really helped me out when I needed assistance. Great company and a wonderful card.

2 weeks ago

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John Morganton, NC

Awesome card. Called them once and got excellent service. Spoke to 2 different people and they were great.

1 month ago

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Dawn Grover

Discover gives me points back, which I like. We are pretty responsible with our credit cards so that's a nice feature. Otherwise it's a pretty typical credit card company.

2 months ago

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Trevor McIntosh Patchogue, NY

Helpful to have and so far reliable to use . Their incentive program increases it value of use to me and helps me in how I use this credit card

2 months ago

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Angie New York, NY

I've been a discover cardholder for over 35 years. I have always liked Discover and find they have great deals available to their cardholders that you would not find with other credit card company's.

3 months ago

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Clemmie & Mandy Johnson San Jose, CA

I love my Discover Card. I’ve been a customer for over 20 years!!! They have great benefits and constantly make changes to improve their services and the benefits they offer customers.

6 months ago

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Peter Land O' Lakes, FL

Having one of their credit cards was a decent experience. Many merchants and vendors do not accept them. Average service and very high fees for the product. I did not cancel my account because that could affect my credit rating but I just stopped using it and requested that no fees or to be applied and if so, then I would cancel it. Eventually I did.

8 months ago

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Amanda George IL

I had a discover credit card about 4 years ago and paid it off, they are really good at helping you monitor your spending, the app is wonderful to have, and they have an awesome customer service department where you can actually speak to a person instead of a robotic phone system.

8 months ago

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Enrique

I have Discover card for more than 10 years,very convenient and it's accepted mostly every where. It is just like other cards but with different types of Benefits well it is like a bank card,you could make transfer at a low interest rate etc. Try it

4 months ago

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Kerry Bachmann Cheyenne, WY

I have been a Discover customer for years and always happy with their services. Even when I was in traveling in a different country it was so nice to talk to a human on the phone!

5 months ago

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Kelsey Conner Wilmington, NC

Discover is a good credit card, especially for those who like a cash back option. I no longer have my Discover because I opted for another company, but I did like that it truly "pays to discover." haha. It's an underrated credit card option in my opinion.

5 months ago

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Tana Tuggle Phoenix, AZ

My credit score was fair and I was able to get a Discover Card with a $6500 credit limit for the first time. There is a 5% cash back bonus. They offer a FICO score update frequently. They offer personal, mortgage, and student loans. I am very happy with my Discover Card.

6 months ago

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Matthew Houston, TX

Was my first ever credit card I used. I STILL to this day use it, it has numerous perks, it has identity theft protection and numerous other features such as cash back that make this card my number one choice in what card to swipe!

6 months ago

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TheShannaswood Arlington, TX

I started with the secure Discover card and 3 years later they gave me a regular card sent my 500 back and I have loved them ever since. Their customer service is second to none, great app features to pay the bill and all charges pop up on my phone. I really love the ease of Discover

7 months ago

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Dixie Rounds Owosso, MI

I have been a customer with Discover since 2006. I will always value their service and looking out for my account. Have had instances where they warned me of potential shinanagans with my card and was able to nip it in the bud!! I love Discover and the cash back available with every purchase.

7 months ago

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Lynnetta W. Monroe, LA

I love Discover's Customer SERVICE. It does what it actually says on the commercial that you can get a person. It is a choice in the first question of the customer service call. I am using them to tackle some person debt and their process to apply was simple. I dislike their interest rate. Discover has the highest interest rate (almost 30%) of all my credit cards which is why I don't use it much.

8 months ago

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Surf Farmer Washington, DC

Discover is a credit card and banking company I have been dealing with for many years. I really am a fan. I like how their customer service is USA based. When I had to receive a large sum from a Discover bank account, they were quick and made the process seamless. Hats off to Discover!

8 months ago

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Shanna Bird Portland, OR

This card has come in handy so many times. It's my go to because it's a great card with great service. One of the few card companies that makes it easy for me to work with their customer service people if there's any kind of issue.

8 months ago Edited July 11, 2023

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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!

4 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.

5 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.

5 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.

6 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.

6 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.

6 years ago

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Chie Ogawa San Francisco, CA

Discover card Always updates monthly on any activity on my account.

3 weeks ago

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David Adrian Morales Weslaco, TX

I absolutely love My Discover It Card! Great introductory offers, benefits and rewards. I made over $360 in just a little over a year with this card and paid no interest. The app is easy to use. Application and approval was smooth. I've never had to call customer service for this card as I never have an issue with them making mistakes unlike other cards like Amex. They are accepted everywhere I shop with no usage fees. They offer referral rewards as well which is great!

10 months ago Edited May 22, 2023

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Jessica Hori

I personally love Discover, because I have a great cashback offer with them, and their customer service is always very helpful. My issue are resolved very quickly. If there is not something they can help with they let me know who I should call first in order to get it resolved. They have offered great credit increases for my time with them as a customer.

11 months ago

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Lantz Powell Chattanooga, TN

I have been a member for ages. Recently I lost my card and didn’t realize it for a day. I called, they at once froze my account. After a day when I was convinced it had not been misplaced they at once overnighted a new card and life went on . I was stunned at the quick, professional accumulation of facts and response to my panic call. I was totally impressed.

11 months ago

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Majo Davis Reston, VA

It's a great card to start off with,this was a great way to learn responsibility and I'm very much glad I chose Discover.

1 month 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.

1 year 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.

3 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.

4 years ago

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Clar lau

My time to use Discover card I was offered a discount on the purchase therefore this motivated me and I was proud of it.

2 months ago Edited January 15, 2024

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Tiffani Dally Brighton, MI

I have been a LONG time Discover card owner for many years and I have always been satisfied with their service. The cash back bonus is THE best!

3 months ago

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BULL RIVERS

I have to say Discover exceeded my expectations, great customer service and card privileges, waaaaayyyyy better than most credit cards out there.

3 months ago

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Raj R

Discover has the best customer service as they were able to help resolve a payment issue I had with a merchant. They are prompt and courteous.

3 months ago Edited December 18, 2023

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Margaret Pahrump, NV

The customer service reps are very friendly and knowledgeable. They never have to put you on hold and they always solve the problem.

3 months ago

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Joseph Faenza Ashland, PA

The Discover credit card was my first credit card while I was in college. As a new borrower it had very good interest rates and I was started off with a very good credit limit.

6 months ago

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Josephine Clarksville, TN

I have this credit card for almost 4 years a,credit score goes up so fast and they take necessary action once I reported or dispute any purchases ..that I didn't order...

5 months ago

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Ronnie Fairley Marrero, LA

I have multiple cards including ; visa, master card and Discover. Discover is my all time favorite card that I use the most for convenience and incentives.

5 months ago

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Joseph Tempe, AZ

I love my Discover card, the card is not accepted everywhere, that is the only negative but the rates and the credit line they gave me was great. Also fantastic customer service

9 months ago

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Hibob Kokomo, IN

From my usage of discover I have to say using their services is very simple and easy to use and never had any problems. Whenever I have issues with my statements I contacts their customer service and get them answered. Overall wonderful experience

6 months ago

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Jamie Stevens Omaha, NE

Discover has been a great card for us. One time we were incredibly over charged by a shady rental car company. I called Discover and explained our situation. The representative was very sympathetic and took the charge off our account.

6 months ago

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CH Waterloo, IA

Great REAL people available when you call/need help! They will go to bat for you, the company gives matching 1 year rewards, the employees are always kind, patient , courteous and caring about resolving your situation.

6 months ago