Discover Financial began offering the Discover Card in 1985 and introduced its cash rewards credit card in 1986. Today, Discover is the third-largest credit card brand in the United States and has over 61 million cardholders.
Discover offers a number of rewards options, including the Discover it Chrome Student Card, the Discover it Cash Credit Card, and the Discover it Miles Credit Card. With the Chrome Student Card, students can get 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.
There are no annual fees associated with any of Discover's credit cards, which can save cardholders hundreds of dollars each year.
Discover does not charge a foreign transaction fee, which is a nice benefit for frequent travelers.
Discover provides its cardholders with the ability to view and monitor their FICO score for free.
Discover offers several fraud safeguards, including purchase monitoring and the ability for customers to freeze and unfreeze their card in the event that it is lost or stolen.
Most of Discover's credit cards offer an introductory APR of 0 percent for the first fourteen months.
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.
Love my student card. The cash back bonuses make me feel way less guilty, and there is so much visibility with their online system
My family has used Discover for several years. It has been the best credit card we have used so far. We get really good cash back on all of our purchases. The downside is that some merchants don't accept Discover, but they will accept other cards with Visa or Mastercard.
I loved signing up for Discover! The benefits that came with getting this car was amazing, plus my sister-in-law who recommend that I get this CC also got points for her personal one! Yay free money!
Discover is a great company for credit cards. They have a plan specifically for students that costs you nothing if you make you’re payments on time. Really awesome for building credit. Great customer service too.
Absolute best beginner cards. Low fees and GREAT rewards. Makes credit score building accessible to all. Love it.
Dale L Farmer
I use this card the most of all my cards. I appreciate the specials they have each quarter.
Cashback bonus is a good feature plus the credit score checker. Good credit card overall.
Great company. Love the rewards. The website is easy to use and the customer service is top notch.
I love discover's rewards and cash back programs and the high interest rates for discover banking.
I have had a discover card for the last 15 years. I love all the benefits of getting points back. They also have amazing customer service!
I've had a Discover credit card for years. What I really like about it is the variety of ways to use rewards. The choices to order gift cards or products at discount, or use rewards to pay on Amazon are very useful. My other credit cards seem much more limiting in rewards choices. They also have a great website to monitor areas of credit card use and just to maneuver to find information.
Cash back bonus is good. Easy to use website. They had errors in their site’s calculation of amount due. Called and they took down the tool immediately and fixed, but did not admit their error. Great otherwise.
This was a good option for us when we needed to transfer some high interest cards to a new credit card with no interest. We were able to pay down our debt and still make purchases with great perks.
My Discover Card works well for me. It has a great rate and also a rewards program that gives me the ability to go on personal vacations with my family. There are low fees and easy way to monitor my activity and keep things current with customer support.
My Discover Card is amazing! The benefits have been a fun experience because of their variety and the cash back option is great around Christmas time. I will always keep my Discover Card because of the benefits.
I would consider my Discover Credit Card as the middle of the pack. This is mostly because I think the rewards are just so-so. The annual fees are low or non existent. They are great with customer service because I lost my card and had some fraudulent charges that were immediately resolved.
The first year owning my Discover Credit Card was awesome. They will Automatically match all the cash back you earn at the end of your first year with a 0%APR. I really appreciate the no Annual Fee. I don't think there is a better card out there to have in your wallet!
Discover card has the best client services ever. The app is also extremely friendly with a wide range of services. I have a Visa and American Exoress cards but, Discover is the card I prefer above them all
Ive been with them a long time and its an easy card to ise. I dont like that the interest rate is sooo high and its hard to talk with customer service about issues like that.
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.
We have had a Discover Card for over 30 years. We enjoy the extra cash back around Christmas when shopping at vendors and especially Amazon. The customer service is great! Our child also got her own card in college and has used it a bunch!
I really like my discover card. It's accepted most places and has given me good deals with balance transfers and initial offers and I really like their cash back match for the first year. I also like that their isn't an annual fee.
Cash back, no annual fees, great customer service to name a few of my favorite things about Discover. I love the flexibility of paying online and the website is user friendly and easy to navigate.
Discover was one of my first credit cards. I love the convenience and he perks including Cash Back and gift cards to stores when I spend a certain amount. There have been some retailers that only accept Discover so that is a nice benefit.
There have been times in the last 10 years where certain businesses only accept the Discover Card. It's a great card to have for those times only Discover is accepted. The online statements are easy to read and the membership benefits are great with the cashback option.
love that this card can be used everywhere. Had a rough month with sickness and missed a bit of work. Discover was forgiving with payments. So grateful
I absolutely love the cash back feature associated with my Discover Card. I have never ran into any issues using my Discover Card at any point of sale or even online. If you have an issue they resolve them quickly. Great card to have!
Excellent customer service and products. Their promotions are consistently on part with current trends.
Love it! Cash back, free credit report & customer service are the best!
I have been a cardholder for years but it is not my favorite because the rewards are not as good as some other cards. Customer service is always helpful and professional.
The FICO score that they provide has proven useful. I actually switched to their high-interest savings account because they have been a great company.
years ago we had a Discover card that we kept for quite a few years. there were never any issues we just paid it off and decided to just keep the card that was giving us some other purchasing benefits.
Lindsey A Brown
Discover had the best rates for us when searching for and comparing other available credit cards. The perks with this card were much better than competing cards as well. We have been very impressed up to this point with Discover.
I have a discover credit card and I have only had one instance that the business did not take my card. It is a very widely used card so it is a safe bet that the company will take your card.
Hands down the best Credit Card I have ever had. When it came to disputing charges or notifying them when I was going on vacation I have been blown away with their customer service. It is the first credit card issuer that I have dealt with that I actually feel like they have my best interests in mind not necessarily theirs. That's hard to come by dealing with any type of financial institution. If you have had a bad credit card experience in the past I would highly recommend Discover to change your mind.
They've been awesome they took care of a dispute I had with mattress firm for $5200 they took care of it no questions asked after I try to work it out with mattress firm they took over and cleaned it up
Discover credit cards are great. They have a good rewards program so you can get gifts or cash back. It's a trustworthy company.
Discover card is my one and only credit card and I love it. Their app is very useful and easy to make payments on and see my history on. They also provide a freezing service if you tend to loose your card. Their interest rates are low and they have helped me keep my credit score high.
I absolutely love Discover and I’m very happy I have never had to ask for credit increase which I love.
I love my Discover card. I'm able to use it pretty much everywhere that credit cards are accepted. I've never had any problems with my card or the company.
We've had a Discover card for probably 30 years at least, and it's the main one we use. We like getting cash back rewards, and it is accepted most places. We stick with them because they've been easy to work with and there's no reason to change. We do have other cards for times when Discover isn't accepted.
highly recommend going to discover to get a credit card they have great benefits with there cards and your over all customer experience is great
The 3% cash back for online orders has paid off for me. This credit card is work having.
Decent card with decent rewards. Haven't had any problems. I think they weren't accepted as widely in the past as they are now. I've kind of developed habits of using VISA and AMEX more often.
I love my Discover card. Not sure why I never got one before, but I have it now and use it for almost everything - great rewards!
The customer service was helpful they get the job done and resolve any issues and like hey have a lot of cute cards
Although I really HATE the high interest rates, when I got my debt under control and started paying off my card each month (week), I have enjoyed the benefits of the cashbacks offered. Before then, they were helpful in freezing out card and lowering rates when I called at our worst financial time. Customer service was very helpful for that. In addition, customer service at Discover was helpful in helping my adult children establish their first credit cards.
I had a Discover card as a college student because it was free as a student. However, when I graduated the monthly price shot up with no warning. Also, they advertise that you can see your credit score for free but every time you looked it messed up your credit score, NOT COOL!
Discover has a great credit card. Their customer service has been very helpful for me.
I got a student discover card and the APR was really high. The promo period was nice though and there was no annual fee.