With a fresh look and a focus on customer service, the Discover it® has come back with it's most competitive offer in the cash back credit card category (which the original Discover card invented in the 1980's). With no annual fee, no foreign transaction fees, and amnesty for many of the situations that cause most banks to hike their rates and fees, Discover it® has the potential to set a new standard for American rewards credit cards.
Discover it® card offers easy redemption of cash back rewards
Cardholders earn a predictable 1 percent cash back on all purchases. Then there's the 5% cash back in categories that change each quarter, up to the quarterly maximum when you sign up. You also won't need to wait long to redeem your cash as Amazon.com now lets cardholders redeem CashBack Bonus credit for purchases, and Discover's website lets you request immediate statement credits.
And now, only for new Discover it® cardmembers*, new Discover cardholders can double all the cash back they've earned at the end of their first year with the card. Thus, the 5% cash back from bonus categories becomes 10% cash back!
Best cash back card for consumers concerned about finances
As part of Discover it®'s launch campaign, you've probably seen a series of ads featuring cardholders talking to their doppelgÃ¤ngers at one of Discover's call centers. The company wants to tell the story that you'll talk to someone who'll treat you the way you'd want to be treated.
Exclusively based in the United States, Discover's call center agents have been empowered to waive your first late payment service charge, to expedite emergency card replacements, and to process same-day payments up until midnight Eastern time. Agents even have the authority to work out an adjusted repayment schedule if you lose your job and can't make your current minimum payment. It's an honest, refreshing approach to customer service that reflects today's economic realities for many families.
Discover's American support centers don't just handle questions about missed payments and lost cards. They also form the backbone of an identity theft detection and resolution system that has earned Discover top marks from some of the industry's toughest critics. According to experts at Javelin Strategy & Research, Discover excels at detecting potential fraud and proactively resolving problems with cardholders and merchants. Likewise, the International Quality & Productivity Center has cited Discover's agents for acting in their customers' best interests, even when industry practices might dictate otherwise.
How Discover it® card compares to other cash back credit cards
Discover it® offers a nearly identical reward structure to that of its closest competitor, the Chase Freedom® card. However, with no annual fee and a complementary set of rotating bonus categories when you sign up each quarter, bargain hunters apply for both cards and maximize their 5 percent rewards on both cards with just a little extra strategic planning.