Name: Discover
Rating: 4.5

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Connor Smith Tallahassee, FL

Me and my family have been using discover for our credit cards for years now. Customer service is what I find the best about this company though, as any time I have any trouble with the card or anything I am able to get in contact with them. Something I often dislike about Discover though, is that the user interface of their app is often clunky and confusing. Overall pretty positive experience in the years I have been using their services.

4 years ago

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jessica plant Las Vegas, NV

I’ve had this card for several years. The longer I’ve had it, the lower the interest rate abs the higher my credit limit goes. Since I pay it in time. I’ve needed to do transfer balances a couple times due to covid and the fee to do them with Discover is the lowest and usually gives decent amounts of time to try and pay it off before interest accrues. Overall it has been a loyal, honest Cc company, which is great and not easy to find out here. I recommend it it for people with good credit and for people just starting out their credit.

4 years ago

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Jenni Zollinger Aiken, SC

I love using my Discover Card because of the cash back rewards! Have been a Discover customer for over 30 years. I have had a great experience with their customer service and fast resolution of any issues that have occurred over the years.

4 years ago Edited January 6, 2022

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Brett Schiftner Weatherford, TX

I've been with Discover over 30 years. I started when they were the first ones to give cashback. Now they have a 5% category every quarter which I use but most of the time I use other cards with higher rewards. Their customer service as always been excellent

4 years ago

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Sarah Biondo Gilbert, AZ

I love discover because I have had a credit card for many years, but they recently started bank accounts. The savings account and IRA is what intrigued me because it had a higher interest rate. I like that I can transfer money between my checking, savings or IRA (when mature) and pay my credit card on one dash board. I like their app.

4 years ago

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Mandy Pesce Laurelton, NJ

Discover has an amazing cash back perk to it. It is also an amazing card to have in your pocket for emergencies or large purchases as the credit lines are typically larger with this card as your credit has to be pretty good in order to get one. I would definitely recommend this card.

4 years ago

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SMJohnson_Indy Indianapolis, IN

From application through routine use and customer service interactions, Discover has been great to work with. The DiscoverIt card's first-year cash-back match, ongoing quarterly cash-back promos, and top-notch customer service have all made my experience with Discover to be the best in many years of credit card use.

4 years ago

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tommy melvin Richmond, VA

Great rewards program. Cashback options on different cards, etc. Service great, the online app has very useful features and make it easy to manage your account online. Even adding users, credit limit increases, FICO scores and balance transfer options.

4 years ago

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Karen Torino Tallahassee, FL

I signed up for the Discover card because it is a common first-card for college students. I have not had any issues with it and customer service has always been great. I was matched on the cash back I made the first year and I continue to receive cash back. Cannot complain!

4 years ago

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roberto arcia Columbia, MO

My experience with Discover has been amazing. They have great cash-back rewards, which is the main thing I look for in a credit card. Additionally, their customer service representatives are very thoughtful and instantly resolved my issue on the first call.

4 years ago Edited November 3, 2021

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Summer Meadors Fayetteville, AR

Discover has been extremely helpful in helping me build my credit and building it well. Their customer service is one of the best out of any company I have ever worked with. They are available 24/7 to help and are extremely patient. Applying for a credit card has never been easier or felt more secure.

5 years ago

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Kent Logan, UT

My first home mortgage refinance was through Discover home loans, and I also has a Discover credit card for several years. Both were good accounts, but when we refinanced again, loan servicing went to a competitor. I eventually closed all my credit accounts except for one, which did not happen to be Discover due to its less universal acceptance.

5 years ago

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Cynthia Louis Tallahassee, FL

I just got their student credit card and so far so good. What's great about them is that you don't have to have a consistent source of income in order to clarify. Their credit line is a good amount for college students and there's some good cashback benefits. The only issue is their app kinda suck but it's fine online so yea.

5 years ago

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J M Orem, UT

Been a Discover card holder for more than 20 years. They have called us when there was any suspicious activity. Given us a lot of cash back over the two decades we have been with them. It has been a great card to have in my wallet!

5 years ago

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Emily Crawfordville, FL

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.

5 years ago Edited September 14, 2021

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Mike Ika West Valley City, UT

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?

6 years ago

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Ron Vincent Cheyenne, WY

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!!

6 years ago

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kayshel Herriman, UT

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.

6 years ago

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JamieD Orange, CA

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

6 years ago

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Kassandra Tallahassee, FL

I got a discover card when I first started college. Discover allowed a student like me to build good credit. After 3 years of using it, I have built my credit score in the 700's and I am extremely grateful for that. Discover credit card has helped me purchase items later and receive credit and cash back bonuses. Definitely recommend.

6 years ago

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destiny wright Jacksonville, FL

I have gotten a discover card not too long ago and it is very good and has been accepted everywhere that I have went so far. My only complaint is when making a payment it takes a few days for it to post to my account which can be annoying sometimes

6 years ago

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Ellen Morris Potomac, MD

I have loved my discover credit card because it has given me some good rewards, but they are not accepted internationally in as many places. This is a draw back for me because I travel often and wanted a card that had no annual fee and was still widely accepted - because of this I went and found a new credit card that I use a bit more often than my discover.

6 years ago

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Garrett Mingus Provo, UT

I really like using my discover credit card, as a student it is a good option for me, because there is no annual fee. In addition, every few months there is a special deal where you can get up to 3 - 5 % back on certain purchases during that time frame such as grocery stores, eating out, entertainment, etc.

6 years ago

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Joy Hill Pleasant Grove, UT

I have about 5 credit card that I use for business and personal expenses. Discover has - HANDS DOWN - the best customer service. Love the chat feature. If there's an issue, they resolve it immediately - no transferring me around to different departments.

6 years ago

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Jacob Shaner

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.

6 years ago

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Reese Pleasant Grove, UT

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.

6 years ago

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Ashley Pleasant Grove, UT

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!

6 years ago

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Lindsey B Orem, UT

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!

7 years ago

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Virginia Rosenthal Pleasant Grove, UT

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.

7 years ago

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Lindsey A Brown Lehi, UT

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.

7 years ago

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Shayla Hankins Lehi, UT

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.

7 years ago

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Doom Truong Lehi, UT

I have had a card for many years now. At first didn't like how much the APR was but after comparing them to Citi Visa card they had a better rate. They have rolling 2% cashback categories that keep you incentivized to use your card.

7 years ago

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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.

1 year 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.

2 years ago

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Anoushka Ahuja Lecanto, FL

Loved the discover card, I get the best cash back on many items that I buy on a regular basis, I got a referral reward to refer this card to my friend

4 years ago

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Karen Troglia

They are great about protecting your credit card. They called me once when my card had been compromised and someone was trying to charge $10,000 worth of airline tickets!

5 years ago

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Amy Boren American Fork, UT

This was a great credit card with lots of great benefits. We decided we had too many cards and consolidated what we were using and this was one of the accounts that we closed.

6 years ago

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Shanna L Hesterly McHenry, IL

I had a discover card for years and it was ok. Then recently I changed the due date from the 18th to the 25th. However they only did one step in the process which was to cancel the 18th date. I was very clear about wanting automatic payments on the 25th . Now a month later, they are charging me late fees and refused to take them off. I've always made my monthly payments with them and have been a customer for 15 plus years. When they called they kept "explaining" that it was my fault instead of how they could fix the situation. I begged them to set up automatic payments again but they refused to take off the late fees. Very disappointed with their customer service.

6 years ago

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A J Deerfield, IL

It used to be the best credit card in my wallet but not any more. With recent changes in the customer benefits, I am no more incline to Discover. They have reduced a lot of benefits including Purchase Protection and extended warranty. There is no use if my credit card cannot protect me on my purchases. Also, recently customer care have changed a lot and have become more pain when contacted.

7 years ago

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Lindsey American Fork, UT

I had Discover Credit Card as a student. They have a special student credit card, so it gave me rewards on certain things I use a lot as a student. I think it's a great starter credit card.

8 years ago

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Ann

Terrible. I was approved for a 5k limit. I decided to take it to use for a project on my home because the interest rate was lower than the builder supply finance offer. When I got my card, the limit was $2k. I called and they said they had made a mistake when they told me $5k, but they would review my credit every month and increase the limit of applicable. I used my card the first month and paid the balance in full on the due date via ACH. I noticed a week later that I had zero credit available, despite paying the balance in full. I called Discover and the customer service rep could not give me an answer. After 3 more calls, I was transferred to an “account specialist” named Tim who told me it could be two weeks before the credit would be available due to a security warning. I asked what security warning and what prompted it. He refused to elaborate, was very rude and condescending. He went so far as to tell me “your credit history has nothing to do with how much you are approved for.” I took that statement as indication that Discover does not care about qualified employees, nor do they care about customer service.

8 years ago

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Connie Mayer South Jordan, UT

I really like Discover. I like the money-back incentive for your purchases. They have good representatives too. They have always seemed like a reliable company to me.

8 years ago

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V triplett Sanibel, FL

They reach out in a friendly, safe manor. They offer your FICI score, when you call you get to talk to a live person in the USA and they offer seasonal bonus incentives and cash back.

8 years ago

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Jordan

In ten years using their card, I've had only two times when I missed a payment. Once when I was in college during midterms and forgot due to working 40 hours and my 16 credit hours and this past month. This past month, however, it was their customer service representative who failed to process the payment I had authorized. In other words, it should have not been a late payment. Regardless, they decided that due to their error, my credit line should be cut from $12,000 to $700. That's almost a 95% decrease. I then talked to 3 separate useless people who could do absolutely nothing of service to me. I've favored my Discover card over others because I believed them to have the best customer service and perks but apparently customer loyalty means nothing to them.

8 years ago

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Daniel Poaletti

Wonderful card! No foreign transaction fees and no annual fees. I love this card and use it for everything. You can get a lot of cash back for different things.

8 years 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

1 year ago

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Delaney Rose Fisher Tucson, AZ

I love my Discover student card! I had such a good intro deal, and they have since increased my credit line for good payment practices. The only issue is that it is sometimes not accepted for payment.

1 year ago

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Michael Blitz Hicksville, NY

Outstanding customer service. That's a big deal with a credit card company. I've never waited more than 5 minutes (almost always less) to speak with an agent. Good cash-back programs.

2 years ago

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Candice S Milan, TN

Discover card has great customer service and their app is easy to navigate. Balance transfers and limit increase requests are a snap. I also take full advantage of the fico credit score updates.

2 years ago

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Melisa M San Antonio, TX

I used Discover pre paid credit card to build my credit. Within a year m credit line jumped from 200 to 4500. Which, I received my prepaid amount back after just three months. The reason I gave four stars is because I have Discover checking and they take too long to deposit or transfer money between linked accounts.

2 years ago