I’ve always been impressed with the Discover card lineup. My fiancee has a Discover credit card and loves it. It’s a company I recommend to anyone I know, mainly due to their fantastic customer service and putting their customers first.
Many of you (not me, not old enough!) might remember the first unveiling of the Discover card during the 1986 Super Bowl (video here). During those days, annual fees were common and cash back was unheard of. Discover was a pioneer during their time and offered to their customers what other “big boys” weren’t. Discover is now one of the largest credit card issuer and rivals the likes of Chase and Citi, among others.
I love that Discover offers a wide range of cards that covers any type of consumer. There are plenty of Discover credit cards to choose from. Whether it’s a gas card or an every day purchase card, Discover has something to offer.
Without further-ado, here are some of their best cards that I personally recommend:
Discover it® Card
The Discover it® Card is ideal if you want to earn cash back on your purchases. 0% Intro APR* for 14 months on purchases and balance transfers.
Then 10.99% – 22.99% Standard Variable Purchase APR applies.
3% fee for each balance transferred.
5% cash back in categories that change throughout the year, up to the quarterly maximum. Signing up each time is free and easy. 5% Cashback Calendar
Unlimited 1% cash back on all other purchases*
Call your Cashback ConciergeSM any time for a 1-on-1 online tour that helps you get the most out of your rewards based on how you use your card.
Accepted Where you Shop at 9 million merchants1 nationwide.
Discover it® for Students
The Discover ® Student Card is an ideal card if you want to earn cash rewards on card purchases. Through the rewards program, you’ll earn a 5% Cashback Bonus for purchases made in popular categories that change four times a year like travel, gas, restaurants, movies, and more. 5% to 20% Cashback Bonus through our exclusive online shopping mall. 1% Cashback Bonus on all other purchases—with no limit on how much you can earn. 1-on-1 Cashback Concierge who can walk you through your rewards options online to help you get the most cash back for how you use your card.
Discover it® – 18 Month Balance Transfer
The Discover ® Student Card offers 0% Intro APR* for 6 months on purchases and for 18 months on balance transfers. Then 10.99% – 22.99% Standard Variable Purchase APR applies 3% fee for each balance transferred 5% cash back in categories that change throughout the year, up to the quarterly maximum. Signing up each time is free and easy. 5% Cashback Calendar Unlimited 1% cash back on all other purchases* Call your Cashback ConciergeSM any time for a 1-on-1 online tour that helps you get the most out of your rewards based on how you use your card. Accepted Where you Shop at 9 million merchants1 nationwide.
Discover Motiva Card
If you have very good credit and are looking for a cash back rewards card, then the Discover ® Motiva Card may be the right card for you. Through the rewards program, cardholders earn a 5% to 20% Cashback Bonus ® at top retailers through Discover’s exclusive online shopping site, and they get up to a 1% Cashback Bonus ® on all other purchases. Cardholders will also be eligible to earn the pay-on-time bonus each time cardholders make six on-time payments in a row. You’ll receive several cardholder benefits including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. There’s no annual fee, and an attractive 3.99% introductory rate on purchases and balance transfers for 15 months. The APR for this card is reasonable for those who qualify.
Disclaimer: Offer no longer available.
Discover Escape Card
The Escape by Discover ® Card, issued by Discover, is a travel rewards card. With the rewards program, you’ll earn 1,000 miles for each month you make a purchase for the first 25 months since opening an account. You’ll also earn Double Miles on all your purchases while you enjoy enhanced travel benefits. Miles can be redeemed for travel credits, cash, or gift cards to 90 brand-name partners. Although there is an annual fee requirement for this card, you’ll get a 0% APR on purchases and balance transfers for the first six months of opening an account. The APR for this card is reasonable, but it is important to note that only higher qualifying applicants will receive the lowest rate available.
Disclaimer: Offer no longer available.
Discover Open Road Card ($150 Restaurant.com signup bonus)
Through the Discover ® Open Road Card – $150 Restaurant.com Gift Certificate cash rewards program, you will earn a full 2% Cashback Bonus automatically at any gas station and any restaurant. In addition, you’ll earn a full 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000, and other purchases that are part of your first $3,000 will earn .25%. You can earn from 5% to 20% cashback bonus when you shop over 200 online retailers through ShopDiscover.com! You can also earn 5% Cashback Bonus on up to $300 in gas, hotel, theme park, and movie theater purchases now through September, 2011. Plus, get a free $150 Restaurant.com gift certificate with first purchase! The card provides an attractive 0% introductory APR on purchases and balance transfers for 12 months. There is no annual fee and a reasonable APR for those who qualify.
Disclaimer: Offer no longer available.
Discover Miles Card
With the Miles by Discover ® Card, you can take advantage of the travel rewards program where you’ll earn double miles on up to $3,000 in travel and restaurant purchases, and one mile for every dollar spent on general purchases. Earned miles can be redeemed for airfare or reduced airfare on most major U.S.-based airlines with no blackout dates. Miles can also be redeemed for gift cards from 50 brand-name partners or cash. You’ll earn 1,000 bonus miles in every month that you make a purchase during the first year for up to 12,000 bonus miles. There is a maximum of 60,000 miles that may be accumulated per year, but miles will not expire as long as the account is active within a 36-month period. Finance charges applied use a more costly method, but the card offers platinum benefits, an attractive 0% introductory rate with no annual fee, and a reasonable APR (for those who qualify).
Disclaimer: Offer no longer available.
What card will you choose?
Hopefully, this review has given you a glimpse into what Discover Financial has to offer in the credit card arena. They have plenty of options so you won’t have a hard time finding the right card for you. Combine their awesome card selection with their renown customer service and you just can’t go wrong.
READERS: Do you have a Discover card? Do you recommend it? What have been your experiences?
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