Discover Card

Pros: widely accepted, cash back rewards, multi-benefits
Cons: interest rate for late or deferred payments

Are you searching for just the right credit card? A few years back a friend casually remarked that she just received "free" money. My ears perked up and my attention did not falter. She was explaining to our luncheon group how she gets cash...

Pros: cashback rewards
Cons: high interest, fees possible

The DISCOVER credit card has drawn many folks to it by offering an annual cashback reward. They advertise "up to 1% cashback."

Here are a few facts about the DISCOVER credit card.

1. LATE PAYMENT FEE - If you do not pay on time...

Pros: Savings Bonds Back!
Cons: .05% return is fairly low

Annual Fee: None

APR: Who Cares? (14% plus I'm sure)

Bonus: Unlike the Regular Discover series, the Smithsonian Card pays you back in U.S Savings Bonds. You get one $50 Savings Bond for every 5,000 points accumulated. The Bond is a...

Pros: Nice introductory rate if you can get it
Cons: Customer Appreciation Week is over

In November of last year, we were pleased as punch with Discover Card. We had negotiated a 0% balance transfer rate for 6 months, after which we were promised (a euphemism, I later "discover-ed") a fixed rate which fell nicely below the...

Pros: Good rates, detailed billing, convenience
Cons: Don't miss a payment - $29 late fee!

I applied for a Discover Card on the advice of my supermarket checkout guy! He told me he has one and loves it. He told me about the cashback
feature and low annual rate. My husband has a small business where
he orders parts by phone and...

Pros: Pay you a percentage back on every purchase.
Cons: Not all merchants accept it.

I've been carrying a Discover credit card for 10 years now. I signed up for one as soon as I graduated college.

They bill every 30 days and I generally receive the bill at least 2 weeks before it is due. That gives enough time for you to...

Pros: Excellent customer service and Bonus savings plans
Cons: interest rate moderately high after initial period

I have the new Discover Platinum Card and use it whenever I make a charge. Granted, you can get a card with a lower interest rate. But I find that Discover Card offers the best customer service in the industry. And that can make a huge difference if...

Pros: Great for removing bird mess from your car.
Cons: Customer service and disputes department deliberately mislead hundreds

Unfortunately I had to find out the hard way the Discover card would not back its customers in the manner that I had grown to expect from other credit card companies. It took the cyberrebate.com disaster to bring this fact to light, and I had the...

Pros: It's nice to get cash yearly on your anniversary! Most merchants now accept Discover.
Cons: Poor customer service. "Unexplained" charges on bill. Unreasonable length of time resolving stolen card issues.

But, when a company erroneously charges you a fee that is greater than your cashback reward, you've got to think twice before giving them your business! Not that I believe a financial institution should be perfect. In fact, I do realize, and appreciate...

Pros: Great card to transfer balance to. User-friendly interface.
Cons: Interest rate for anything other than balance transfer is high. Not widely accepted.

The CAUSE
In January 2001, I got an invitation package from Discover Platinum Card. They give me an 1.99% introductory rate of balance transfer good till July 2001. Since I do have some balance to pay off and considering the interest rate of...

Pros: cashback bonus
Cons: high interest rate

If you are a spender who like to charge everything and then pay the balance off in full at the end of the month, then this card is for you. I have had a Discover card for about 5 years now, and have recently upgraded to the Platinum card.

...

Pros: interest rate,no annual fees,great customer representatives
Cons: none as of yet

My biggest goal since the beginning of my marriage was to have excellent credit always.My husband grew up in a family where they didn't have enough credit for vacations,homes,cars,or much of anything.If they didn't have it in cash,it wasn't...

Pros: cashback, no annual fees, online account access
Cons: not as accepted as Visa and Mastercard, but is getting even more popular everyday

When I was a freshman in college, I remember numerous credit card booths all over the campus when I would walk to class. And I remember signing up for a Discover Card account because they were giving away free T-Shirts, and I could always go for another...

Pros: none
Cons: buyer beware

I had my Discover card for 2-3 years. I used it from time to time, I would not say a lot. We are not big credit card users.
The first problem I had with them was that someone charged things to my account, from Hawaii. I live in New York. When I...

Pros: None at the moment
Cons: customer service isn't helpful

I have been a Discover Card holder for about eight to ten years. I first went with Discover Card because the company offered a good interest rate. I believe I began using the card when it had a 10.9% interest rate and cash advances were around 17% I...