Discover is both a top 10 credit card issuer and one of the four major card networks in the U.S. In addition to credit cards and payment processing services, Discover offers checking and savings accounts, personal loans, student loans and home loans. Consumers can get a free credit score from Discover, too, even people... show more
Discover® Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/17/2026.
Discover’s personal loans are some of the best on the market. They’re available nationwide; they offer the potential for low rates; and they don’t charge big fees upfront. Plus, the funding process is relatively quick, with the money available as soon as the next business day after approval.
The best part of Discover personal loans is their low cost. Discover has a 0% origination fee, $0 prepayment fee and a $0 late fee. Discover’s loan APRs range from 7.99% - 24.99%. They’re not the absolute cheapest choice for people with pristine credit, as you can find lenders whose ranges start 1% - 2% lower. But the upper bound of 24.99% is relatively low in a market where APRs can reach up to 36%.
Discover isn’t explicit about what credit score you need to qualify for a personal loan, but the minimum is reportedly around 660. They do, however, provide a minimum income requirement: $25,000. And to be able to apply, you’ll need to have a Social Security number, though you can be either a U.S. citizen or a permanent resident.
Discover Personal Loan Review Highlights:
Discover personal loan rates:7.99% - 24.99%
Origination fee:0%
Late fee:$0
Funding timeline: As soon as the next business day
Loan amounts:$2,500 - $40,000. While that’s a decent range, there are plenty of lenders that offer bigger loans than that.
Payoff periods:36, 48, 60, 72 or 84 months. Many competing lenders don’t offer payment timelines longer than 60 months.
Customer satisfaction: Discover receives an A+ rating from the Better Business Bureau and has an average user rating of 3.9/5 on WalletHub
Pre-qualification: You can pre-qualify for a personal loan on Discover’s website. You can also try out WalletHub’s pre-qualification tool to see what other lenders might pre-qualify you
Co-signer policy: Unfortunately, you won’t be able to share responsibility for a Discover personal loan with another person.
Discover is a bank that’s known primarily for being one of the four major card networks, alongside Visa, Mastercard and American Express. But their personal loans shouldn’t be overlooked. The 0% origination fee coupled with low rates and high customer satisfaction makes them an excellent choice. Below, you can see how WalletHub rates Discover in our three major categories: Terms, Requirements & Application, and Reviews & Transparency.
Discover Ratings by Category:
Category
Editor’s Rating
Terms
4.6/5
Requirements & Application
3.8/5
Reviews & Transparency
4.5/5
Overall Score
12.9/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Discover® Personal Loans
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dealyour7 @dealyour7
I been with them for more than 20yrs until this happen i realized that they will rip u off the 1st chance they get. U don't want to deal with discover card because they will try to ruin your credit by charging you for things you didn't buy etc and they don't accept your disputes when you dispute them. U better off without Discover Card. Look I'm a card holder and I stopped using their card when I saw them take my money or allow them to ruin my credit. I had to pay them for things I didn't buy to keep my credit in good standings with other companies. They refuse to go to arbitration.
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4
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Discover®
lynneperkins1956 @lynneperkins1956
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1 Star Rating
I am writing concerning a complaint about one of your customer representatives, CLAUDIA. I called 5/13/26@ 9:15 am. I have been a member for years and love Discover and have ALWAYS had wonderful service except for today. CLAUDIA was very SHORT, RUDE and very unprofessional. It is evident she does not like her job!!!!! She got VERY IRRADIATED when I asked a few questions. These type of incidences with reps are what drive customers away!!!!!
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Product: Discover® Credit Cards
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0
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Discover®
yonja87 @yonja87
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1 Star Rating
I just had the worst experience with Discover's customer service. I've encountered persistent issues with international purchases using my card, while domestic transactions work fine. I've reached out to Discover multiple times for assistance, yet they didnt care.
The representatives I spoke with lacked basic customer service skills and failed to provide any meaningful help. After several attempts, my call was transferrd to a supervisor, but unfortunately, the interaction only worsened. Instead of addressing my issue, she quickly dismissed my concerns, attributing the problem to the websites I was using without even inquiring about the specifics.
I explained that I had tried purchasing from three different sites, each I’ve used reliably in the past but her insistence on blaming the websites showed a clear lack of empathy and an unwillingness to help. She offered no alternatives or suggestions for resolution, nor did she take the time to review my situation more thoroughly.
When I requested to speak with an executive or a higher-level manager, her response was discouraging. She made it clear that she cant promose they will call. Whats that even mean? Are you stating that I am banking with you and you dont care enough to talk to your customers?? It’s extremely corcerning to think that a bank could provide such poor customer service.
Overall, this experience has been extremely disappointing, and I will end my business.
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Product: Discover® Credit Cards
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0
0
Discover®
Cindy Whetstine @cindirelly
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5 Star Rating
I so appreciate Discover’s customer service! They quickly get me to the right place when I call. Also, the best part is I get to talk to an American, who speaks english! Thanks
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Product: Discover® Credit Cards
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0
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Discover®
Paul Korinko @Einstein
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1 Star Rating
I am really dissapointed with my discover card. They provided a less than acceptable line of credit for my income. Less than 1% of the income to credit limit ratio. I only applied since there was a 0% for 16 month offer and they gave me a card limit that was less than two months of what I had planned to pay. The subequent requests for credit limit increases have also been denied. My credit is quite good but they don't recognize it. I have chatted and spoken with the less than professional customer service reps and get pablum for responses. I am still awaiting the latest letter for denial. Needless to say, this card stays hidden in my wallet and is only used when I can't use better cards.
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Product: Discover® Credit Cards
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0
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Discover®
joseph Thomas @j_greg_thomas65
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1 Star Rating
had a unauthorized charge made told them about before it happened morons sent me a new credit instead which didn't stop the charge and they wouldn't reimburse me never had this happen in 35 years with a credit card company
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Product: Discover® Credit Cards
Comment
0
1
Discover®
Zander @chancedeboskie
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5 Star Rating
Verified Customer
I’ve had nothing but a great experience with Discover. Their customer service is excellent, and I really appreciate that their support team is based in the U.S. It makes a big difference speaking with representatives who are easy to understand and knowledgeable about my concerns. Any time I’ve reached out, the process has been smooth, and my questions were handled quickly and professionally. Overall, Discover has been reliable, transparent, and easy to work with. I highly recommend them.
Discover Card is so easy to deal with and they make everything so simple there great.
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Product: Discover® Credit Cards
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0
0
Discover®
Tom Fossati @tomfossati
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1 Star Rating
In disputes they side with the company instead of their 30-year card holders. Even when the company involved has terrible reviews for scamming.
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Product: Discover® Credit Cards
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0
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Discover®
Bruce Wells @bswells520
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1 Star Rating
Steer clear of Discover. I've had a credit card w them for 18 years. I never missed a payment. I paid my balance off completely. Took the card of auto pay. Interest showed up on the next statement. After missing 2 payments for $108. They put me in default w/o notice and refused a goodwill adjustment.
Do yourself a favor and look elsewhere for a credit card. Discover will not have your back in a dispute. No matter how much evidence you have to support your claim, they almost always favor the merchant.
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Product: Discover® Credit Cards
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1
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Discover®
Cindy Letizia @Moonfire
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1 Star Rating
I’ve been a Discover card holder for 4 years. I have never been late with a single payment and always pay my balance in full. I use the card on a regular basis. I received an email about updating my income and qualifying for a credit increase. They stated that 95% of customers get automatically approved online. I have a credit score of 823 so I was sure I would qualify since my current line is only $7,000. Well, what a laugh! I was denied and now have to wait for a letter as to the reason why. I only use 1-3% of my credit and I have a very large line of credit! It makes no sense. Their app is terrible too. Because of this, I’ll certainly being using all of my other cards instead.. I’m really disgusted.
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Product: Discover® Credit Cards
Comment
0
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Paul Korinko @Einstein
I have a similar experience, but my credit limit is $2000, it is a farce. I think I'll try for an increase every 30 days to make them waste money on postage to tell my why they are so incompetent.
Get answers to your questions about Discover® below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
You can make a Discover credit card payment online, by phone, through the Discover mobile app, by mail or at a branch. To pay a Discover credit card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Discover does allow cardholders to set up automatic payments, too.
Ways to Make a Discover Credit Card Payment
Online: Log in to your online account and click on “Make a Payment.”
By phone: Call 1-800-347-2683 and enter your card information when prompted, then follow the prompts to make a credit card payment.
Through the mobile app: Log in to your account and select your card, then tap “Payments.”
By mail: Send a check or money order (but not cash) to
PO Box 6103 Carol Stream, IL 60197-6103.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a branch: You can make a payment at any Discover branch during normal business hours.
In conclusion, there are multiple ways to make a Discover payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
The Discover cash back bonus pays you back a certain percentage of the money you spend as a reward. The Discover cash back bonus can be redeemed at select merchants, for gift cards, charity, or cash. More specifically, there are three types of Discover cashback bonuses:
5% bonus rate: You earn 5% cash back on up to $1,500 in combined category spending per quarter in rotating bonus categories (which change every quarter and require activation), and 1% back on all other purchases. The Discover credit cards that offer this deal are the Discover it® Cash Back, the NHL® Discover it®, and the Discover it® Student Cash Back.
To activate a Discover card, use the online activation page or call Discover customer service at (800) 347-2683. Discover card activation requires a Social Security number as well as the card number, expiration date and security code.
You don't need a Discover username and password to activate a Discover card online. But having an account can streamline the process because you won't have to enter extra personal information to verify your identity. Either way, Discover...
The Discover card benefits include no annual fee and no foreign transaction fees on any card, along with the ability to freeze your account on demand. Discover will also match all the rewards you earn in your first year. Plus, there's a “Cash at Checkout” feature that allows cardholders to withdraw cash when making a purchase with a Discover card at specific retailers. Withdrawals are limited to $120 every 24 hours. They are charged at...
The Discover it® Cash Back categories for rewards include a broad range of everyday spending, such as restaurants, grocery stores, and wholesale clubs. Cash back categories are the types of purchases that cardholders can earn 5% cash back on, up to $1,500 spent per quarter.
Here are the Discover it Cash Back Categories for [YYYY]
January-March: Grocery stores and wholesale clubs, and select streaming services
April-June: Restaurants and home improvement stores
Discover is an online-only financial institution, so it doesn't have any physical branch locations. They operate entirely through their online and mobile banking platforms. This means you can't visit a Discover branch to conduct transactions in person.
You can see what Discover it® Cash Back designs are available online, either while applying for the card or, if you're already a cardholder, by logging into your account. Options for Discover it Cash Back designs depend on whether you're opening a new account or looking for a replacement card. You'll have a small number of generic designs to choose from when applying for a new account. But once your account is open, you can immediately order a replacement card bearing...
Discover cards are accepted by more than 10.64 million U.S. merchants. Outside the United States, you can use Discover cards in 190+ countries and territories. But there are some noticeable gaps, including Russia, Ukraine, and most countries in Africa. You can check Discover's international-use map to see where, exactly, your Discover credit card will work.
Even in the countries where Discover Card is accepted, you'll still find many merchants that only accept Mastercard and...
It takes 5 to 9 business days to get a new Discover credit card and 3 to 7 days for replacement cards, in most cases.
Discover card applicants can get approved in as little as 90 seconds and, if eligible, could receive a virtual card number to use online or in a digital wallet before the physical card arrives in the mail. Some other credit card issuers also offer fast access to card info....
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* The information about the following cards has been independently collected
by WalletHub: NHL® Discover it®.
