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Hello I have had a discover card for most of my adult life.... I have no credit card debt which is very rare in this society. All credit cards are great but some are real nice with the bonus';s and prmotiuons they have. I like dicover because they give you chanceds to earn more points at agiven time byu buying certain types of products. Last month every time you bought groceries with your card you earned extra points which is fabulous cause we all buy groceries. One month I earned almost $50.00 dollars U.S currency by buying things I already buy. Im never charged interest because I responsible and pay off my bill at the end of the month when it is due and I never leave a balance. I also don't buy something unless I have the money which is key to a great relationship with your credit card company. I put every expece on my credit card and then I pay it off each motnh. this will help you manage your spending also. Dicover has a chart you can use that will put all your spending into a graph and you can view several months at a time to see where your money goes. If most of it is fast food resturants then you can make a conscious decision to cut back on that spending... ITs a fabulous card especially if you use it right.