Discover - Credit Card Review Summary

Discover Card is a credit card that lives up to its promises. Customers offer enthusiastic praise in their Discover Card reviews for the "Excellent Rewards Program", and claim Discover Card is a "Great Card with Great Customer Service and Incentives". Some customers express a few reservations about Discover Card, such as the high interest rates and the fact that Discover Card isn’t accepted everywhere, like MasterCard and Visa. But low- interest balance transfer options and cash back incentives keep customers satisfied. Discover Card also offers some specialty credit cards that often prove to be an even better consumer option. Two possible choices are Discover Platinum Cash Back Credit Card and/or Discover Sam’s Club Credit Card.
36% of people rated Discover - Credit Card as 5 stars
36% of people rated Discover - Credit Card as 5 stars%
36%
40% of people rated Discover - Credit Card as 4 stars
40% of people rated Discover - Credit Card as 4 stars%
40%
10% of people rated Discover - Credit Card as 3 stars
10% of people rated Discover - Credit Card as 3 stars%
10%
7% of people rated Discover - Credit Card as 2 stars
7% of people rated Discover - Credit Card as 2 stars%
7%
7% of people rated Discover - Credit Card as 1 star
7% of people rated Discover - Credit Card as 1 star%
7%
86% 86% of people recommend Discover - Credit Card 14% of people don't recommend Discover - Credit Card 14%
 

Discover - Credit Card Comparison

5 star rating Most Helpful
Favorable Review
FEB
24
2007

A Great Offer
I got my Discover card when I was solicited to transfer a balance to them at 2.9% interest.   We had accrued a credit card balance due to unusual circumstances, so I jumped at the chance to pay off that balance at such a low rate. 

Real People, Quick Answers
Every time I have a question...

review »
2008 Advisor
interest conscious, a travel junkie

LibbyMcMillan
Sanibel, FL
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1 star rating Most Helpful
Critical Review
AUG
22
2007
They have very slow process. I had a big bill and had paid it off and they still haven't taken it off my credit report as per their customer service rep. that I talked to. And this was over 3 years ago..I am still trying to get them to take care of it. It took them over a year to have it post as good... review »
picky

butterfly22
Webb City, MO
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Discover - Credit Card Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 13 of 94 sort by: most helpful | date | rating


7
helpful
votes
pay my cc bill off each month, always looking for ways to save, don't carry a balance, Every day computer user, very happy with this product, free gift card rewards junkie

AUG
25
2007

The Discover Card is one I will never be without.  I am quite thrifty and I love knowing I'm getting a good deal on something.  My Discover pays me back in full - 1% back on ALL purchases, but also, 4 times a year they have additional categories that will return 5%.  This month I am getting 5% back on my gas purchases (as well as other items too) - much needed with prices skyrocketing these days.  One you've accumulated $20 in rebate money, it's time to use it.  In my case, I get even more money back by requesting $25, $30 or $40 giftcards w/ that $20 for places I frequent most often - Bed,...

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5 star rating
VelfarreEclipse
Geneva, IL



6
helpful
votes
interest conscious, low-risk investor, online banker

APR
22
2007

I've had a Discover Card for about 7 years now.  You might think this would mean I'm really happy with them and that they've been good to me.  Truthfully, I just don't have the time or energy to switch my credit cards around all that often, and I've stuck with Discover (over, for example, MBNA/Bank of America) due to their balance transfer offers and their cash back program.

Discover's cash back program is multi-faceted.  You get a basic 1% back on all purchases.  This accrues on your statement.  Once you reach $20 accrued, you can redeem.  You can request a check, apply the cash to your Discover...

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4 star rating
MattA75
South Berwick, ME



5
helpful
votes
don't carry a balance, Every day computer user, thrifty

JUN
23
2008

Buying my condo back in 1986 and taking care of necessary repairs, furnishings, and other expenses, really "strapped" me for a while.  This is not uncommon for people buying their first homes.  I never regretted becoming an owner but in those days I couldn't afford to "clear the decks" with my credit cards every month as I should have.  The interest began to pile up and it wasn't long before I was faced with a huge burden of debt to be shouldered along every month.  Believe me, I'm sympathetic to those people who are having credit card problems.  I know all about the calls from Collection...

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5 star rating
2009 VIP
AnnaBanana
Oak Park, IL



4
helpful
votes
online banker, picky, always looking for ways to save, don't carry a balance, Every day computer user, pay my cc bill off each month, very happy with this product, appreciative of good service

AUG
28
2007

I have very good credit and could have basically have any card I want but the one I use 99.9% of the time is Discover. There are a few merchants who do not accept this card and they really should if they are interested in customer satisfaction.

One of the main pros of using this card is the cashback dollars you accrue. If this is your primary credit card (as it is mine) you will find cash available each month. You have several choices as to how you want to use that cash. I like to credit it towards my balance. You earn cashback on every purchase but several times a year they run promotions...

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5 star rating
reviewer
ladeluca
Glen Cove, NY



3
helpful
votes
Every day computer user

FEB
18
2008

Be AWARE that your credit card payment scales will change without any 30 day notice when ANY credit bureau FICO score changes without YOU being notified in a AMPLE / SUFFICIENT notification time BETWEEN statement periods... Review ONLINE as OFTEN as you are able to...Like ALL credit card companies they are quick to GIVE you credit and ONCE you DON'T payoff the outstanding BALANCE they raise the Interest rates on you and FEE you to death till you pay it off.

Try to restore your relationship for a higher credit limit...they turn the other cheek at you.

Consumer BE aware... 


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2 star rating
reviewer 2008 Contributor
ecommerce4u
Monument, CO



2
helpful
votes
Every day computer user

JUN
23
2008
I like the Discover card when you get a good interest rate on certain purchases until the balance is paid off as I used this for a dental procedure but I have had the card rejected by several smaller business owners who tell me that Discover charges them a big fee for taking the card for payment and they could not afford to  accept it so that really makes it a little inconvenient for everyday purchases when you cannot depend on the card to be accepted everywhere.
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4 star rating
reviewer
littleslack
Chapmansboro, TN



1
helpful
vote
in debt, on a strict budget

OCT
22
2009

The Discover credit card was possibly the first credit card to offer cash back on purchases.  But don't be deceived by promise of 1%, 2%, or even 5% back.  Generally, your total charge must reach a certain amount before you begin to earn 1%; that is, for amounts lower than their scale, you only receive 0.25% and then 0.50%.  Each version of the Discover card has their own rates and percentages scale, and usually with the 5% back, it only covers certain categories of items.

While this can be confusing, what upset me the most about Discover was their customer service regarding fraud or unsatisfactory...

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2 star rating
2009 Advisor
TimothyL
Alameda, CA



1
helpful
vote
an moderate investor

FEB
16
2008
I've been a Discover card holder since 1994...In fact it was my first major card...I love the cashback bonus.  They were the first to have this type of reward for the "average" card holder.  My negative feelings just started recently in the last year.  I got a new Motiva card and shortly  after, I got a call about their credit protection program.  I never participate in those and I tried to nicely decline...At one point the rep asked if she could send me some info...I said ok, not realizing that my accpetance to review the material automatically signed me up for this...I was not pleased when... review »
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3 star rating
reviewer
cmself13
Monroeville, PA



1
helpful
vote
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

NOV
28
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... review »
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5 star rating
reviewer
tucsonkid
Menlo Park, CA



1
helpful
vote
don't carry a balance

NOV
16
2007

I have had Discover for over 10 years.  It was my first credit card.  I always pay my bill on time each month fully.  I charge everything I can from gas, groceries, to ultities.  You earn cash back and I then turn that into to gifts for others in the form of gift cards.  Saves me bundles on Birthday and Chritmas.  So they are paying me to use their card! Can do a lot over the internet which is great!

 

Have had them check with me when i was moving because was buying a lot.  Made me feel good they noticed a difference in my buying.

 

Downside is all the junk mail they send and those checks. ...

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5 star rating
reviewer
Litebrite
Hatboro, PA



1
helpful
vote
saving a little

NOV
9
2008
I love my Discover card i would reccomend it for anyone the rewards you get back is great, shop with your discover card. I like it alot it is very sweet, i shop all the time with it and then get rewards thats how i buy my christmas presents for my family. I went to a great basketball game because of it as well they got me sweet tickets to watch my favorite the detroit pistons play my second favorite team the san antonio spurs yea i love discover. The customer service is great and so is the incentive program that they let you have and the interest rate is good as well.
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5 star rating
reviewer
jaredb50
Saginaw, MI



1
helpful
vote
saving a little

DEC
17
2008
I have tried many credit cards but I always come back to Discover. The cash back option and the rate at which I can accrue points is great. I especially enjoy the additional money I get when getting rewards with their cashback partners like Chili's, Lowes, Ace, Kohl's, etc. I use Discover whenever I can. They are excellent on security and call me whenever there is any suspicious activity.The only downfall is that it is not accepted everywhere.
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5 star rating
reviewer
laughterisgood4u
Fitchburg, MA



1
helpful
vote

NOV
15
2008
I get annoyed at myself and at Discover Card when I forget to sign up for the quarterly bonus specials. It would be great if participation was automatic.
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4 star rating
2008 Contributor
MissRhetorica
Collegeville, PA



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