Discover, launched nationally in 1986 with a successful Super Bowl XX advertisement, is both a bank and a card network. It was also the pioneer of America's first cash rewards program. More U.S. households have a Discover card than any other cash rewards card, due in no small part to the fact that Discover was once known for having a large variety of different offers. The company (one of our advertising partners) then consolidated the majority of its cards into the flagship “Discover it” offer, the exact terms of which were set based on the applicant’s credit standing and disposable income. The process has begun reversing itself lately, however, with a number of individual offers splintering off under the Discover it umbrella. The primary distinction between Discover credit cards and offers on the VISA and Mastercard, in particular, is the fact that the latter two enjoy worldwide acceptance while the former is not nearly as widely ubiquitous globally. When it comes to other secondary benefits, Discover has the third best rental car insurance policy (behind Amex and VISA) and the “it” card offers some of the best travel insurance coverage on the market.… show moreshow less
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How much cash back do you get with Discover Card?
Depends what card you’re talking about. But you can expect 1% cash back on most purchases, plus something extra in bonus categories. Discover it gives you 5% back in rotating bonus categories. Discover it Chrome has 2% back at restaurants and gas stations (up to $1k spent every 3 mo).
Is Discover better than American Express?
Not really. Amex is actually better abroad. They’re about even in the US.
Is the Discover Card accepted in Canada?
Yes, your Discover card should work in Canada. You can use it at any merchant displaying the Discover, Diners Club or Interac logo. That generally includes hotels, restaurants, vacation resorts and gas stations. Your card will also work at more than 46,000 Canadian ATMs.
You can use this tool to see which merchants accept Discover cards in a particular city: https://www.discoverglobalnetwork.com/canada/#cityChoose. You may also want to bring a Visa or Mastercard as a backup, just in case.… read more
Is Discover the same as Diners Club?
Discover purchased Diners Club International in 2008. So they’re distinct brands under the same corporate umbrella.
But you can use a Discover card wherever Diners Club is accepted, and vice versa. That’s actually very important because with Diners Club in the fold, you can now use Discover cards at many more merchant locations around the world.
Where is the Discover Card accepted?
Discover cards are accepted at 31 million merchant locations in 185 countries and territories. And while Discover cards are accepted at virtually every merchant that accepts credit cards within the United States, Canada and Mexico, acceptance abroad is less than perfect. So it’s generally wise to take a Visa or Mastercard as a backup.
You can also check Discover’s website (https://www.discover.com/credit-cards/help-center/account/international-use.html) to see if you can use your card in a particular country.
The Discover IT card is the best. No annual fee and lots of cashback with no minimum required. Plus they have tons of other offers if you log in to your account. I am very happy with this card so far and have had no issues.
I have the Discover Student Card. I chose it because as a college student, it offered me the best benefits while having no annual fees. I think it's a great starter card. It requires some responsibility, like all credit cards do, but its helping me build up a credit history.
I really like the fact that you get 5% cash back (as either credit on your statement or deposited into your bank) and 1% cash back on everything else. It used to be that you could only cash out once you reached a certain amount. I don't remember exactly how much but it was like $10 or $25, but now you can use the cash back anytime. Just don't forget to sign up for the rewards each period (four months).
Discover is really easy to use and they've treated me well. About six months after I got the card, they gave me a Starbucks gift card for making consistent payments and they've raised my credit limit. The website is very easy and simple to use, and the monthly statements tell you everything you need to know in a simple and concise way.
If you're a college student, I strongly recommend that you consider the Discover Student card. It's pretty easy to sign up and apply, just make sure that you make your payments every month. It's a good idea to start building up your credit score early, and will help you build some responsibility while offering some modest rewards and being free of fees.… read more
I just received my Discover It card in the mail about 2 weeks ago. I had to call customer service because I had a couple of questions. They were the best. I needed to change my personal information and I was delighted when she asked several questions to identify me as myself. Is was very comforting. I have made about 4 purchases using my It card. I have it set up on texting so every time there is a purchase, payment or other transaction I know about it. I am able to really keep control of any type of fraud or ID theft. The interest rate on my account is set at 10.5%. Plus my firs 8 months are interest free. It is low compared to other offers that I have seen. They also provide my FICO score which is great!! If I had known about all the Discover offered I sure what have applied a long time ago!… read more
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By clicking on a credit card’s name on this page you are directed to the card’s profile page. There you can find more information about the card’s interest rate, fees etc. If a card is suitable for you and you are interested in applying for it you can click on the "Apply Now" button. You will be directed to a webpage that will help you submit an application.
Right now my discover card is doing a thing where if you spend $2500 a month for 6 months, you get a $400 reward credit in addition to the usual rewards. I think this is a great deal for anyone who already puts $2500 a month on a credit card. I like Discover Card's rewards, and I like that you can use those rewards on Amazon.com. Last month their rewards item was 5% off on gas, making gas cheaper to buy with a Discover Card than with cash. What I would change is the interest rates! Especially the balance transfer checks.… read more
Well it's a credit card first and for most. So obviously it has interest rates. Whats really nice though is this whole 14 month zero percent interest. We we're having some trouble with bills, so we got online and applied for the Discover Card, waited about seven days and received it in the mail. We activated the card and it helped us out so much in the past couple of months. I will say though, one downside is trying to pay your rent in cash with a credit card. A lot of older people don't know about things like the Square Card Reader, so we had to try and get money orders to pay our rent. Well you cant buy money orders with credit cards, and getting cash back on the card does not fall under the zero percent interest. So we had to go to stores, but one item, get $60.00 cash back, buy another item, and get another $60.00 cash back. It was pretty frustrating to say the least. But, after using the card, we now have quite some time before we have to worry about interest rates, and by then the card will be paid off so it worked out perfect!… read more
I've had a Discover rewards card for quite a while now. I don't recall exactly when I got it, but I've had it for a number of years. I like how you can go on their site and choose a picture for you card, though it would be better if they didn't limit you to what was there and let you upload your own. However, I can see how that would be abused. I chose the oil painting from Ferris Bueller's Day Off for my card. As for their rewards programs, I guess they're okay. I mean, they are in the business to make money, so they can't exactly give away all of their profits back to their customers. What I really like is how easy it is for me to use the rewards on Amazon.com. My only real complaint is that it's a credit card, and I don't really like credit cards. I would live it if I was secure enough to not need one, but I'm not and the Discover Card is one of the two credit cards that I currently have.… read more
I’ve been a Discover card user for fifteen years and have had no complaints. My only other experience was with Capital One and their customer service left much to be desired. Discover has not been like that at all. Whenever my wife or I have had questions, customer service at Discover has always been helpful. We’ve also been notified by Discover a number of times when they noticed irregular charges on our card. In fact, our card was used once illegally and Discover notified us that very evening and had new cards out to us within two days. My card has no annual fee which is also very important to me.… read more
Annual fees are always something I check for as well when applying for a card. I know there are other things that should probably be higher priority, but I don't feel I should pay a fee just to use the card.
rewards and flexibility.
I have had a Discover card for eight years now. I find one of best features of the card is the cash back offering. I feel in order to really benefit from the cash back offering, a person needs to pay off their purchases each month because the interest rate for the card can be a little higher than normal. I also have found that the customer service offered by Discover is above average compared to other cards I have. From my experience it seems that Discover values a person as a customer and will most times do what they can to assist you with any concerns or problems that you may have. The only thing that I would change is the interest rate they offer, it is very difficult to get them to lower the rate even after being a customer for many years.… read more
I have had the Discover "It" credit card for approximately a year. I originally got it because I had a pretty limited credit history, and this seemed like the best card I could get approved for. The 1% cash back on all purchases is pretty standard, but you can earn 5% back each quarter on rotating categories. Some cards' categories are kind of off-the-wall, but with this card, it is on common purchases such as gas stations, restaurants, and grocery stores.… read more
I have had a Discover card for a long time now. I originally applied for it because I was young and didn't have much credit and Discover accepted my application.
I currently have the Discover It card and have no problems with it. I am planning on using it to transfer a balance within the next few months because they offer 18 months with no interest, which is always a good thing. Discover also has a decent rewards program. 1% cash back on all purchases adds up after a while. Their customer service is top notch. There is never a long wait time to speak to a representative and they are always willing and eager to help.
The only negative thing about Discover is that it isn't always accepted everywhere like other cards are, however, most places in major cities accept it.
I would recommend this card to others because Discover is a pleasant company to do business with.… read more
I have had the Discover it card for just about a year now and I have been very impressed. I originally got the card because I liked the promotional 0% interest rate on purchases, but I came to find that the cash back program is very rewarding. I get 1% back on all purchases and 5% back on restaurants (which I use often) and other things like movies. It doesn't sound like much, but the rewards have been adding up much faster than I expected. I have also been impressed by Discover's customer service. They are always available and pleasant and they work with you until your questions/issues are resolved.… read more
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