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Discover credit cards
Discover Financial Services is a well-known US company issuing a Discover branded credit cards and owning and maintaining its own payment system.
Discover cards are in the wallets of about 50 million US cardholders what makes Discover the third largest credit card brand in the USA.
There are consumer, student, and business lines of credit cards by Discover:
| regular APR | |
- earn 2% cashback on gas and restaurants with $1,000 quarterly limit in combined purchases
- 1% on all other purchases
good credit / fair credit required
no annual fee
2% on gas and dining out
| regular APR | |
- 2% cash back on restaurants and gas up to $1000 in combined purchases per quarter
- 1% regular cash back
fair credit / no credit required
no annual fee
student card - no credit needed
2% cash back on gas and dining
| regular APR | |
- earn unlimited miles at 1.5% rate on every purchase
good credit required
no annual fee
unlimited 1.5 miles per dollar
redeem for any travel or cash
| regular APR | |
- 1% cash back on all purchases
- 2% cash back on gas and dining with $1000 quarterly limit
bad credit required
no annual fee
25 days grace period
Discover card benefits
For the full list of benefits visit Discover site. We’ll highlight some important benefits provided by Discover.
Shopping
- Fraud protection
- Extended warranty
- Purchase protection
- Return guarantee
- Cash at checkout
Travel
- Like the competition, Discover offers rental car collision damage waiver if the rent was purchased with a Discover card.
- Roadside assistance – it is called 24/7 assistance, however you need to pay $69.95 each time you need a service.
- Medical emergency assistance – you get help when it is needed, however you pay for actual medical services by yourself, Discover just provides you with free consultations.
- $500,000 flight accident insurance
- Baggage delay insurance – Discover will reimburse you for buying the essentials if your baggage is delayed for 3 or more hours.
Pros of Discover cards
- Good customer service. People mostly like they Discover cards and user reviews are quite positive.
- Discover often offer unexpectedly high credit limits.
Cons of Discover cards
- One of the main disadvantages of the Discover issued cards is that these cards, unlike VISA or Master card, are not accepted everywhere . You’ll definitely will have issues with finding a Discover accepting merchant overseas, but even in the US small merchants tend to not take Discover payments.
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