four stars: I use my discover card in place of a debit card and pay off the balance each month, usually receive about $20 bucks every two months with zero interest. Only thing is it is not honored everywhere, so you might bring a back up visa to avoid an embarrassing moment. I don't like the APR on my card, probably a big reason I never run a balance, my credit rating is above excellent , 822, so I think I should get a better overall rate.