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Discover

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460 User Reviews

8.9

Overall Score

LAST UPDATED: October 14th, 2021

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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Star Rating

4.5

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460 Reviews

Review Breakdown

5 grade

67%

4 grade

21%

3 grade

6%

2 grade

3%

1 grade

3%

Sentiment Criteria

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Quality

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Service

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Review Source

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Magnum0970 Cerritos, CA

I’m torn with discover. I really like many of the cash back rewards they offer or other incentives that come with their cards, it just gets frustrating that they are not excepted in more locations and they’re not a more popular card. Because of that I don’t currently have a Discover card.

8 months ago

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Van M. Orem, UT

I had a Discover credit card for a while. I didn't think they made everything really clear in regard to terms of service. I didn't have great rewards either from it.

8 months ago

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Morgan Sweat Montgomery, AL

They gave me my first credit card. But it has taken quit some time to get a review to up my credit limit. But everyone I have called and spoken with have given me direct and positive answer. They are also very clear to understand over the phone.

1 year ago

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Angela Pyrah Willard, MO

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!

2 years ago

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Derek Scoville Pleasant Grove, UT

I have had a Discover card for over 10 years. I mainly wanted this card to get their floating rewards program (different reward each month). But, it was too much a pain to keep track of what the reward was, and what I needed to do to qualify for it.

3 years ago

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Nathan Johnson Palmyra, PA

Have been a credit card holder for many years. I love the online shop discover partnerships but get frustrated by the rotating 5% back categories. With everything else going on in my life, this is one more thing to have to think about. Consequently, have been using less.

3 years ago

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L. Fowler Pleasant Grove, UT

I had a Discover card many years ago, but was not able to keep it because it just didn't do anything for me as far as being different from other companies. There weren't any perks to having the card.

3 years ago

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Donna Weitz Lithia Springs, GA

Great card, interest ridiculous. I've been a loyal, credit worthy customer for years, but still pay a high interest rate

3 years ago

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Mitchell Tolbert Manor, TX

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

4 years ago

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Tony Riverton, UT

Got a Discover card for a promotion. While there was no annual fee, it was a little frustrating, as Discover wasn't always accepted by the merchants I used.

1 year ago

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Cindy Bailey Lehi, UT

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.

2 years ago

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Shari Evers Lehi, UT

Discover was my first ever credit card. I still have that card...along with a couple more Discover cards! The APR’s aren’t the best, but I do like the no annual fee!

3 years ago

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Verified Customer

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Miss Evans

I like Discover, but the interest rate is too high

1 year ago

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Gloria Karels, Shelly Gracie, Jodi Karels Minneapolis, MN

Not happy with the interst rate, I have paid on time and used my card a lot. Intersest could go down a bit.

4 years ago

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Rachel B Eagle Mountain, UT

I got a student discover card and the APR was really high. The promo period was nice though and there was no annual fee.

2 years ago

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Ron Durfey Pleasant Grove, UT

Just started with Discover. I like them so far. They seem very customer friendly. They're just not accepted in a lot of places.

3 years ago

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Jeff Martin Layton, UT

I would advise you to be careful when going with Discover. High rates and I didn't have a good experience with their staff at all.

3 years ago

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Jwat1213 New Market, MD

APR much higher compared to my other cards

4 months ago

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Jody Ukiah, CA

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

4 years ago

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Mykahla Nelson Managua, MN

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

1 year ago

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Monica Veik

They have rude customer service people and accuse people of things

1 year ago

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Nicholas Lake Villa, IL

Good cashback incentive on purchases. High rates if payments are missed so be sure to pay on time.

2 years ago

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Teresa LeBaron Lake Villa, IL

Cashback bonus is a good feature plus the credit score checker. Good credit card overall.

2 years ago

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Avis Gregory St Louis, MO

Willing to offer rewards to those rebuilding credit

3 years ago

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jordan cummins Gilbert, AZ

has been good. Doesn't charge any hidden fees and is reasonable with interest.

3 years ago

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Marilyn Greer Saint George, UT

This card can be used most places so it is convenient.

3 years ago

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