Like most things Wal-Mart related this Discover card has it's good and bad. For the most part the good outweighs the bad in this particular instance. The rates are so so. They aren't horrible, but they aren't the best either. I have kinda come to expect this from Discover. The customer service is pretty good, I've had bad experiences with them and a couple good ones. My favorite part of being a Wal-Mart Discover card is that I have multiple choices on how and where to pay my bill. I can go into any of the Wal-Mart stores and pay in person or I can manage my bill online. I love that. Overall it's not My favorite credit card that I have and I admit That I really only use this card to pay for gas at the Wal-Mart has stations and for diapers and stuff. But even still it has helped me stabilize and maintain my credit and credit score. I would recommend this card as long as you read the conditions and terms.