Discover - Credit Card Review

Apply here for the Discover Miles Card

Overall 3.90 of 5 view all 94 reviews

tucsonkid
Menlo Park, CA

Great customer service but watch out for those fees

online banker, Every day computer user, always looking for ways to save, interest conscious, pay my cc bill off each month, picky, free gift card rewards junkie, appreciative of good customer service

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Pros

Great incentives, Ease of use, Can choose from a ton of card images, low-interest balance transfers

Cons

not accepted everywhere, Not as widely accepted as other cards

NOV

2007

I have a ton of credit card and have had a ton more. I have about 15 now, and have had about 50 in the past (because I am addicted to balance transfers, moving money back & forth between 0% APR intro rates). I never pay any interest and have never had any disputes with credit card companies, so I don't know how Discover Card reps are when they are trying to collect money from you. I just know that they always seems to answer the phone quickly, they are courteous, and put out good balance transfer deals. However, I still carry two Discover Cards for three reasons. One, I use it at supermarkets like Safeway and get $50 cash back that is not treated like a cash advance so it saves me a trip to the ATM. Second, they offer promotional 5% cash back deals occasionally on gas or movies or clothes or other random stores. Third, if you don't use the card for a while (say 6+ months), Discover will offer an incentive to use it like $1 for each of your next 20 purchases or $10 for your next three purchases.