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:

read card review Apply Now
at issuer’s secured site
excellent
good credit
intro purchase APR 0% APR offerregular APR*see offers
intro BT APR 0% BT APR offer *see offers
rewards earn miles for your spending 

no annual fee

no foreign transaction fee

read review
read card review Apply Now
at issuer’s secured site
fair credit
intro purchase APR 0% for 12 monthsregular APR11.24 - 23.24% (V)
intro BT APR 0% for 12 months 3% BT fee
rewards 1% or 2% 
  • earn 2% cashback on gas and restaurants with $1,000 quarterly limit in combined purchases
  • 1% on all other purchases

no annual fee

2% on gas and dining out

read review
read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR 0% for 6 monthsregular APR12.99 - 21.99% (V)
intro BT APR 10.99% for 6 months 3% BT fee
rewards 1%-2% 
  • 2% cash back on restaurants and and gas up to $1000 in combined purchases per quarter
  • 1% regular cash back

 

 

no annual fee

student card - no credit needed

2% cash back on gas and dining

read review
read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR 0% for 6 monthsregular APR12.99 - 21.99% (V)
intro BT APR 10.99% for 6 months 3% BT fee
rewards 1 or 5% 
  • earn 5% cashback on rotating quarterly categories up to $1,500 quarterly limit in purchases
  • 1% cashback on all purchases
  • double cashback for first year
  • $20 cashback annual  bonus if your GPA is 3.0 or greater

 

no annual fee

no credit needed

5% cashback on changing categories

double first year cashback

read review
read card review Apply Now
at issuer’s secured site
bad credit
intro purchase APR no intro offerregular APR23.24% (V)
intro BT APR 10.99% for 6 months 3% BT fee
rewards $1-$2 cash back

$1 cash back on all purchases

$2 cash back on gas and dining with $1000 quarterly limit

 

no annual fee

25 days grace period

read review

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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