Discover is known for its excellent 100% USA-based customer service, often receiving top marks on surveys from J.D. Power and Associates. All cards in Discover’s portfolio offer rewards in the form of cash back or miles. Cash-back cardholders have the potential to earn even more thanks to revolving quarterly categories that provide as high as 5% cash back on gas and restaurants - with the double reward offer that equates to up to 10% cash back rewards!
For a limited time through October 31, 2015, new applicants who are approved will net twice the amount of rewards from an offer to double all the cash back or miles you’ve earned at the end of your first year.
When it was launched in 1986, Discover Card revolutionized the way credit cards did business. It was the first to offer customers a cash back reward on their purchases, and also pioneered cards with no annual fee and competitive fees for merchants accepting the card.
Today, Discover can be credited with creating an entire market of consumer-friendly rewards credit cards. That includes cards that offer unlimited cash back, as well as travel opportunities and other rewards. Is it any wonder then that a TNS 2008 Consumer Card Strategies Research survey found that more U.S. households choose a Discover Card for cash rewards than any other credit card?
Discover's new flagship card, the Discover it Card, aims to "change the way people think about credit cards." The perks begin with its lack of an annual fee -- a unique perk in a card that also offers generous rewards. But the benefits don't stop there: The card also boasts no overlimit, foreign transaction or pay-by-phone fees.
On the rewards side, the Discover it Card offers 5 percent cash back bonus in rotating categories up to $1,500 in purchases for users that complete the free and easy sign-up process. In addition, the card offers 1 percent cash back on all other purchases. A Discover Cashback Concierge is also available to guide you through the effective use of this card's rewards program.
Finally, depending on which offer you choose, you may find an attractive 0 percent introductory APR offers on purchases or balance transfers. See the terms of the card for offer specifics. All of this also comes with Discover's $0 Fraud Liability Guarantee and its U.S.-based customer service, which allows you to get account help from a real person around the clock.
Please review the tables above for more information on the Discover cards and access to their terms when you click on "Apply Now."
Before you zero in on zero percent introductory APR credit card or apply for the best travel rewards card, you may want to think carefully about how you use your credit cards now and how you intend to use them in the future. If you tend to pay off your credit card balance each month and have excellent credit, you may want to pay more attention to the rewards you can rack up rather than the interest rate.
If you're looking to save money on everyday expenses, a cash back card may be your best bet.
If you want to pay off some existing credit card debt, compare balance transfer offers to find one that offers the longest period of zero percent introductory APR or low interest financing and has a low balance transfer fee.
For all credit card offers you should compare:
If you decided you want to apply for a Discover credit card, you can start by looking through the credit card offers on this page to see if one meets your financial goals.
To start, spend some time reading reviews for Discover Card credit cards. Information such as APRs, introductory rates and the level of credit you need to be eligible for the card are factors to consider before you apply for a credit card. It doesn't take long to find the best credit card when you know where to look!