I have been using this credit card for years and absolutely love it. Easy to use and Discover has monitoring systems in place to prevent fraud. Calling customer service is not really a hassle. Those I have called have been polite and find solutions to my issues. Great starter card for students who are looking to grow their credit score. This is a great resource with monthly FICO scores on the statements.

anyarosa21

Madison, WI

Go find other cards and get 0% balance transfers and move on. The interest rates are just way too high, even with pretty good credit. They will not adjust interest rates and lie and say they can't, but there's no law for it.

CardResearcher

Chesapeake, VA

I use this card everyday. I made a big purchase turned around paid it right back two days later they boosted my credit limit super high. When you call they r friendly

Russian75

Atlanta ga

I have had this card for several years. I love it. They offer cash back on every purchase. They upped my credit limit without me asking. I called and asked for a lower interest rate and they gave me one. Plus you can check your credit score it comes on every bill. And you can even use your cash back bonus to shop on Amazon if your card is linked. The only bad thing is 1. Not everyone takes discover so you always have to ask and 2. The cards don't last very long. I order a new one every few months as mine get to worn yo work anymore. But other than that no complaints.

JessicaES17

Pierre, SD

I have found the Discover organization to be disorganized and incompetent. I ordered a product from a seller who then claimed that I had signed up for a subscription to buy their product on a monthly basis. Of course, I had agreed to no such thing. I sent back their merchandise along with a letter declining any further offers. I then asked Discover to credit my Acct. and process no more charges to the merchant. Long story short, they credited me, but continued to take the merchants charges. I spent 6 months trying to straighten it out with them, but they claimed they never received any of my countless letters, emails, and phone calls. Now they have spent months calling my house numerous times a day, sending me threatening emails and letters. This to collect a whopping $29.95!! They have probably spent way more than that on time and effort to collect. I did not receive the merchandise, I do not owe the bill, and I will not pay them.

Lavell

Arlington, Texas

I absolutely love my Discover It card. I can't give too much insight on interest associated with the card, as I make it a point to pay it off in full each month. Instead of paying cash or using a debit card for any of my purchases I always put it on my card to earn cash back. You get cash back on every dollar spent and a little more cash back for things they select for a few months. For example, for a few months they will give 5% cash back for money spent in money and restaurants. If you are going out to eat anything ways, why not put it on this card and get a little back. I sometimes use my credits towards my bill or for gift cards. You and a friend can also earn $50 each if you have a card and refer a friend to sign up.

Hollyr

Londonderry, NH

Discover IT student card vs Capital One Journey student card I was in the process of improving my credit so I decided to apply for a student Discover Card; instead I was offered a secured card. I applied for Capital One Journey student card two months later and was approved with a $500 limit. Within the first five months Capital One increased by $250, after a yr. with the Discover Card, I still cannot get an unsecured card. This review compares Discover IT student card with Capital One Journey student card. Both card get have similar benefits for students wanting a credit card and can be used as a vehicle to manage credit responsibly. Each individual credit situation is different but for me Capital One Journey card prove to be the best. Pluses- Discover IT student card • Live agent Speaking with a live agent is a plus; you don't have to go through an automated system unless you choose to. The customer service representatives I have spoken with are very polite and professional, and have always solved my problems. • Rewards Rewards are great, because customers receive money back when using the card to make purchases. • Rental Car insurance • Purchase Protection Certain purchases less than $500 are covered if they are damaged or stolen within a 90 day period after purchased. • Price protection If you make a purchase of $500 or less with the discover card and find the item cheaper within 90 day discover will refund the differences. • Free FICO score Great, gives you a snap shot of your credit score monthly, allows you to view score for free. Pluses -Capital One Journey student card • Rewards Rewards are great, because customers receive money back when using the card to make purchases. • Rental Car insurance • Purchase Protection • Price protection • Free FICO score Great, gives you a snap shot of your credit score monthly, allows you to view score for free. • Credit limit increase after five payment on-time • Fraud coverage I was in the process of improving my credit so I decided to apply for a student discover card, instead I was offered a secured card. I deposited $1000, which became my limit. I was told that after a year the card would be reviewed for an unsecured card monthly. After a year of membership and all payments on time and a 701 credit score, I feel that my account should become a regular account. Instead Discover gave me a checking account, which is basically a secured card not reported to the credit companies. If you're going to hold the security deposit hostage you should pay interest. I had the Discover card for a year and still no increase on credit limit, Capital One Journey card holder has access to a higher credit line after making your first 5 monthly payments on time plus I have a 19.8% variable APR compared to Discover's 22% variable APR. My problem with Discover secured card is the initial limited cannot be increased, even if you are going to deposited more money. I would like to know why Discover would have a problem drawing interest off the customer's deposit, if they want to increase their limit by adding money to the secured deposit especially since they are charging a 22% variable APR.to the customer to use what is their own money. Student Discover Card will allow customers to have one late payment without increasing variable APR. In my case I have never been late plus my variable APR is already 22%. Discover Card seem to be stingy with limit increases, within a year I now have a Capital One Visa with a $4000 limit and also my Capital One Journey Card limit has increased. Capital One student card is more suited for me based on the relationship they have established by increasing my credit limit for paying on time, whereas Discover has been holding my security deposit for over a year. Discover offered a reward checking account along with the secured account. I would close my Discover Student, but it would have closed my Discover and have my deposit returned but it would have a negative effect on my credit score. My conclusion is Capital One Journey works better for me due to offering me an unsecured card credit increasing credit limit and giving me another credit cards, whereas when applying for Discover's student card I was asked for a deposit. After a year still no unsecured card offer from Discover's student card.

rlh0924

nashville tn

I absolutely love this credit card! I have used it everywhere I possibly can! They give you thirty days to pay it back without interest, and then add interest if it is not paid in full. I have never had interest applied to my credit card, I do know the interest is about 25%. Now that would suck! I have never used the cash back feature, but I would love to see how it works. I have received points for using my credit card. With those points, you can actually put it towards your payment! Which is very nice!! Like I said, I have used this card more than I have used any card. Also after having this card for six months, they raised my spending credit on the card. So I highly recommend this credit card for anyone starting out or even just use the card for personal reasons.

live4life

West Virginia

Discover Credit Card is a very reliable card to have in your wallet. They give you many options for using your purchase credits. Each month extra credit is given to a certain picked purchase where you can get extra points. These points can then be used in many different ways even as credit back onto your bill. Many different gift cards are available if you don't want to cash in for a credit. They offer comparable interest rates and their online website is easy to navigate and has many helpful tips. They even give you a free credit score update. Customer Service I have always had great luck with their customer service. Whenever an issue has arisen they have worked thru the problem with me and been willing to refund back anything. The wait time on hold is never very long. Available Rates Their rates are comparable but with a phone call you can sometimes get your rate lowered. Also they will lower your rate after a period of paying on time and over the minimum.

beachbum

Garden City, MO

The Discover Card has a good cash back bonus program and the customer service is always fast and efficient. It's great to not have to redeem reward points for merchandise of airline tickets.Cash is what I need. The monthly special 5% bonuses are usually in categories that I used often. So, I can talke advantage of them. Customer Service I can get a real person on the phone in a very short amount of time and I am always helped to my satisfaction with the first person I talk to. Every customer service rep I have ever talked to was knowledgable about the product and able to help me with my problem. They are also good at advising me of ways to make things easier. Available Rates All credit card rates are high. But, this isn't an issue for me because I pay in full each month. On the very rare occassion when I made a late payment, they waved my fee because of my outstanding payment history. It's great to be appreciated for my loyalty to a company.

Robinwl

USA