• Editor's Rating: 9.0
  • Consumer Rating: (20 ratings) 8.9
Intro APR: 0%*
Regular APR: 11.99% - 20.99% (Variable)*
Annual Fee: None
Intro Period: 6 Months*
Balance Transfer: Yes*
Credit Needed: Excellent

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  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee
RATING:  
9.0
The Cashback Card
Date Posted: 05/02/2008        By: Rich (Cleveland, OH)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
An awesome card if you want cash back. The only downside I have seen is that Discover isn't accepted in as many places as Visa and Mastercard.
I definitely would recommend this card to a friend.
19 out of 21 people found this review helpful.
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RATING:  
8.0
Solid Cash Card
Date Posted: 05/13/2008        By: Bo the Jogger (Columbia, SC)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
I definitely would recommend this card to a friend.
3 out of 5 people found this review helpful.
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RATING:  
7.0
...
Date Posted: 06/27/2008        By: Scott Stanford (Des Moines, IA)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_empty Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box_empty Blue_box_empty Blue_box_empty 
REVIEW:
I don't recommend to apply for Discover and AMEX.
I definitely would not recommend this card to a friend.
4 out of 15 people found this review helpful.
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RATING:  
10.0
Perfect rewards.
Date Posted: 06/27/2008        By: Rachel Donovan (Manchester, New Hampshire)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
If you have good credit history Discover reward program will work for you. I don't think I know better rewards from any other bank.
I definitely would recommend this card to a friend.
8 out of 9 people found this review helpful.
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RATING:  
10.0
Sound like a good deal.
Date Posted: 07/01/2008        By: Shawn Haley (Maine)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
I hate to pay high interest. This deal is for me :)
I definitely would recommend this card to a friend.
2 out of 3 people found this review helpful.
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RATING:  
10.0
The best from Discover.
Date Posted: 07/02/2008        By: Alex Brin (Minesotta)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
The best from Discover.
I definitely would recommend this card to a friend.
2 out of 2 people found this review helpful.
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RATING:  
7.0
Stay away if you are not sure.
Date Posted: 07/07/2008        By: peter maronelli (tampa, fl)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_empty Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
REVIEW:
Be careful with instant approval. Looking for deal I was trying to apply for 7 credit cards and 5 of them refused. Later I found that my credit score dropped because I made all this attempts. I recommend to apply only if your credit history, income, and credit experience is good enough.
I definitely would not recommend this card to a friend.
11 out of 11 people found this review helpful.
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RATING:  
10.0
great great great!!!
Date Posted: 07/23/2008        By: scott (fairless hills, pa)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
Nothing compares to this card when you speak about rewards! With as low as 0% introductory APR for as long as 12 months (both for BTs and purchases), you get as much as 1% - 5% on everyday purchases. No annual fee and no liability for fraudulent purchases.
I definitely would recommend this card to a friend.
3 out of 3 people found this review helpful.
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RATING:  
10.0
lowest interest
Date Posted: 07/23/2008        By: alvin (frederick, md)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
REVIEW:
this card has one of the lowest interest rates, coupled with its benefits, it makes it one good deal!
I definitely would recommend this card to a friend.
1 out of 1 people found this review helpful.
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RATING:  
8.0
About the terms
Date Posted: 07/28/2008        By: Traveler (Springfield IL)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
Just wanted to note that the 5% gas rebate is on the first $100 per month. Then the 1% applies to the rest. I didn't find that out until I called to add this to my card. So the rebate only applies to 2 tanks of gas for me each month.
I definitely would recommend this card to a friend.
6 out of 6 people found this review helpful.
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RATING:  
10.0
No tricks.
Date Posted: 08/06/2008        By: Pauline Nazarjan (Newport, RI)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Cash rewards is a trick which most banks use for their marketing... when it comes to claim your rewards they use different tricks to policies which confuse clients and customers. Read careful their policies and you will find many limits, restrictions, and rules such as minimum spending, reward limits, time lines, and intro periods. Unlimited cash rewards is a thing which other banks can't really offer. Discover doesn't confuse people and keep unlimited cash reward program for everybody. I always pay full amount without paying interest, it gives me cash reward and extra money every month.
I definitely would recommend this card to a friend.
6 out of 6 people found this review helpful.
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RATING:  
10.0
Rewards.
Date Posted: 08/06/2008        By: Lee Chang (New York, NY)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Unlimited cash rewards! I never use my checking account and direct deposit from work. Every day I spend money with Discover (groceries, bills, shopping, gas) and pay whole bill to avoid interest. Often I reach up to $200 in rewards and use them every month.
I definitely would recommend this card to a friend.
1 out of 1 people found this review helpful.
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RATING:  
10.0
Rewards.
Date Posted: 08/06/2008        By: Frank Gills (Seattle, WA)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Reading previous reviews I decide to write my own opinion. Cash reward benefit from Discover deserve A+. With other banks you should call 1-800 numbers and wait 30 minutes on hold to claim rewards. Discover provides automatic cash rewards and you can see them in your statement.
I definitely would recommend this card to a friend.
4 out of 4 people found this review helpful.
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RATING:  
10.0
Unlimited cash rewards, automatically
Date Posted: 08/15/2008        By: Samuel Furs (NY)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Unlimited cash rewards, automatically. Convenient way to get extra money.
I definitely would recommend this card to a friend.
No one has voted on how helpful this review was for them.
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RATING:  
8.0
Decent Credit Line
Date Posted: 07/02/2009        By: Jeff (Bridgeport, CT)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
I have enjoyed getting to know Discover versus Amex; only thing that I wish were a bit stronger was 12 months on purchases. But, all in all, a good company to have in my wallet.
I definitely would recommend this card to a friend.
No one has voted on how helpful this review was for them.
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RATING:  
9.0
Excellent Card Company
Date Posted: 01/28/2009        By: Lauren (Indianapolis, IN)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Discover has excellent customer service you never have to wait long and they always met my needs. I've been a "member" for years now and am very satisfied. I have a low APR but I rarely pay any finance charges or fees. The cashback rewards is the best out there. I use it as my main credit card unless a place doesn't except it.
I definitely would recommend this card to a friend.
4 out of 4 people found this review helpful.
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RATING:  
9.0
Great card
Date Posted: 07/23/2009        By: Janet (Riverton, NJ)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
I love the customer protection that Discover offers. They credit your card back with no questions if you have an issue with a vendor. Customer service is the best of all the cards I have had in the past. I also appreciate the ease of use of their website/online payments.
I definitely would recommend this card to a friend.
No one has voted on how helpful this review was for them.
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RATING:  
9.0
Excellent customer service
Date Posted: 04/21/2009        By: tiredofcrappycreditcardcos (Nashville, tn)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Very fast approval process on line. Great credit limit granted and love the 0% apr!
I definitely would recommend this card to a friend.
1 out of 1 people found this review helpful.
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RATING:  
5.0
Poor Customer Service
Date Posted: 10/05/2009        By: Being Kind (Charleston, SC)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_half Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box_empty Blue_box_empty Blue_box_empty 
REVIEW:
The card is Average, but I was mailed this card after applying for a different Discover Card and after trying to fix the situation four phone calls and three months later it was determined that two of the Discover Card employees lied and tricked me into receiving the deal I got. The only thing they could offer me to make up for this was give me the introductory APR for a couple of extra months. I do not want to deal with Discover ever again.
I definitely would not recommend this card to a friend.
1 out of 1 people found this review helpful.
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RATING:  
10.0
Excellent Offer by Discover
Date Posted: 01/21/2010        By: Marc (El Paso, Tx)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box_empty Blue_box_empty Blue_box_empty Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Discover has allowed me to borrow money while using the concept of "same as cash" after I transferred a balance from another account. In essence, I obtained an extremely low interest loan once I factored the $75 transfer fee. The fact that Discover allows 12 months versus 6 months give you greater latitude. Although the standard APR is about as high as their competitors, it's up to each account holder to pay off the balance monthy once the introduction offer expires. Thanks Discover!!
I definitely would recommend this card to a friend.
1 out of 1 people found this review helpful.
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