Discover Card ranked first in a field of 26 credit cards reviewed for identity fraud resolution by analysts at Javelin Strategy & Research this month. On the industry intelligence firm's sixth annual Card Issuers' Identity Safety Scorecard, Discover also ranked second in credit card fraud detection, giving it an overall second place consumer safety rating.

Javelin's analysts rated card issuers by matching claims from banks' promotional materials to the outcomes of customer service calls placed to card issuers during 2010. Researchers tested issuing banks' abilities to authenticate customer identities, their willingness to reverse fraudulent PIN-based transactions, and their efforts to educate consumers about phishing and hacking attacks. In all, the firm used over forty methods to arrive at their final score.

Discover Card officials cheered the news in a statement to reporters, citing their company's efforts to provide real-time fraud alerts and a $0 fraud liability guarantee as major reasons for Javelin's high ranking. "Prompt and decisive identity fraud issue resolution exemplifies Discover's commitment to security and safety," said Carlos Minetti, the company's president of consumer banking and operations.

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Joe Taylor Jr. is an internal business consultant for a Fortune 500 company, who writes about finance, culture, and design. He holds a Bachelor of Science in Communications from Ithaca College.