Discover: earn up to 5% cashback on spending without paying an annual fee

The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

Discover Credit Cards Review

Reviews 212

Discover it® Miles

Discover it® Miles

Poor

Reviews 212

Jan. 31, 2022

3 min read

Katy Ward

Discover it® Miles Summary

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

Pros

No annual fees
24/7 customer service
Up to 5% cashback

Cons

Cashback earning is capped at $1,000-$1,500 per quarter

Discover it® Miles at a glance

2.4

Editorial score

Fees

This category measures the overall quality of the product

2.4

Eligibility (credit score)

This category measures the overall quality of the product

2.4

Security

This category measures the overall quality of the product

2.4

Customer service

This category measures the overall quality of the product

2.4

Online experience

This category measures the overall quality of the product

2.4

Discover it® Miles Apply Now

Overview

Headquartered in Illinois, Discover is one of the most well-established credit card brands in the US, with its products allowing customers to earn rewards, build credit, and reduce interest on existing debts. The lender was ranked #1 for brand loyalty in the credit card category of the Customer Loyalty Engagement Index in 2021 and named in 2020’s Investor Business’s Most Trusted Financial Companies list.

In addition to conventional credit card services, it offers several attractive features to help you manage your finances. If you’re concerned about identity theft, for example, Discover will provide you with free access to your FICO credit score on your monthly statements, mobile or online.

Suitable for?

As Discover offers a wide range of products, the most suitable card for you will depend on your borrowing needs. Here are some of the most popular products and the type of customers they could suit.

Discover it® Miles: allowing you to earn to 1.5 miles for every dollar of spending, this card could be an excellent choice for frequent flyers

Discover it® Chrome®: paying 2% cashback on spending at gas stations and restaurants, this card is a strong match for borrowers with a busy social life

Discover it® Cash Back: offering 5% cashback on selected purchases, this card could be attractive for those keen to earn rewards on their spending

Discover it® Student Cash Back: with 5% cashback on selected purchases, this card could be an ideal choice for borrowers looking to earn rewards while studying

Discover it® Student Chrome: offering the chance to earn rewards and build credit, this card could be suitable for students seeking to create a strong financial foundation

Discover it® Secured: designed to help build credit, this product is specifically tailored toward those looking to repair damaged credit

Discover it® Balance Transfer: waiving interest for 18 months when you transfer an existing debt, this product could be attractive to borrowers looking to get on top of their finances

Whichever card you choose, the lender could also be an excellent solution for tech-savvy customers, with its app allowing you to manage your finances on the go.

Interest Rates and Fees

If you sign up for a Discover Card, you won’t pay an annual fee, but the following interest rates and fees will apply.

Product

Interest rate

Fees

Discover it® Miles

Discover it® Chrome

Discover it® Cash Back

NHL® Discover it®

0% introductory APR for 14 months on purchases and balance transfers, then 11.99%-22.99%*

Cash advances: 24.99% *

Balance transfer: 3% of the amount you transfer before Sunday, April 10 2022, then 5%

Cash advances: $10 or 5% of amount borrowed

No late payment fee after first missed payment, then $40

Returned payment: up to $40

Discover it® Student Cash Back

Discover it® Student Chrome

0% introductory APR on purchases for 6 months and 10.99% on balance transfers, then:

12.99%-21.99% *

Cash advances: 24.99% *

Balance transfer: 3% of the amount you transfer before Sunday, April 10 2022, then 5%

Cash advances: $10 or 5% of amount borrowed

No late payment fee after first missed payment, then $40

Returned payment: up to $40

Discover it® Secured

22.9% on purchases *

10.99% on balance transfers for 6 months, then 22.9% *

Cash advances: 24.99% *

Balance transfer: 3% of the amount you transfer before Sunday, April 10 2022, then 5%

Cash advances: $10 or 5% of amount borrowed

No late payment fee after first missed payment then $40

Returned payment: up to $40

Discover it® Balance Transfer

0% introductory APR for 6 months on purchases, then 11.99%-22.99%*

0% introductory APR for 18 months on balance transfers before Sunday, 10 April, then 11.99%-22.99%,*

Cash advances: 24.99%*

Balance transfer: 3% of the amount you transfer before Sunday, April 10 2022, then 5%

Cash advances: $10 or 5% of amount borrowed

No late payment fee after first missed payment then $40

Returned payment: up to $40

* APR will vary with the market and is based on the Prime Rate (the interest rate banks charge their most creditworthy borrowers)

Rewards & Cashback

The Cash Back, Student Cash Back, and Chrome cards pay 5% on purchases from retailers such as Amazon, grocery shops, and gas stations, as well as any spending through PayPal. You can earn up to a maximum of $1500 per quarter.

With the Student Chrome, Secured, and Chrome cards, you earn 2% cash back on up to $1000 of purchases made in gas stations and restaurants, including cafés, takeaway, and deliveries.

If you’re a hockey fan, the NHL® Discover it® card offers rewards such as 5% discounts at grocery stores and on gym memberships. You can earn up to a maximum of $1500 per quarter.

With each of these cards, you’ll also earn up to 1% cashback on all other purchases.

Aimed toward regular travelers, the Discover it® Miles card pays 1.5 miles for every dollar of spending, which can then be redeemed for cash or as a credit towards your next travel purchase.

Whichever card you choose, Discover’s 2x Match service will also pay an unlimited dollar-for-dollar match on all cashback you earn during the first year.

Participating retailers offering cashback at enhanced rates alternate on a quarterly basis, so you should check Discover’s website for up-to-date offers.

The Application Process

You can apply for a Discover card online or over the phone if you meet the following requirements:

Are at least 18 years old
Have a US address
Have a Social Security number
Can show proof of college enrollment (if applying for a student card)

Before you apply, you can check whether you would be pre-approved by entering details such as your name, address, total gross annual income, and Social Security number into the lender’s online tool. You’ll then see the APR and offers you could potentially qualify for.

If you’re applying for the Secured Card, you’ll need to provide a refundable security deposit when you apply. The amount of this deposit will become your credit limit.

Discover doesn’t have a minimum score requirement as it will review your credit score as part of your overall financial situation. However, you’re likely to need a good or excellent score if you’re applying for a high-paying rewards card.

In most cases, you’ll receive an instant decision on your application, although this could take longer if the lender needs to verify any of the information in your application.

Once your card has arrived, you can activate it online or by contacting Discover’s customer services.

Help & Support

You can contact Discover’s US-based agents through online chat or over the phone, with its telephone service being available in both English and Spanish.

When we contacted the company over online chat, we received an extremely polite and helpful response in under 5 minutes.

Phone hours: 24/7

Online chat: 24/7

Security

Discover has numerous cybersecurity measures to protect your money and your data, which include the following:

128-bit Secure Socket Layer to encode personal data
Multiple firewalls
Real-time alerts through active system monitoring

The lender’s $0 Fraud Guarantee will also ensure that you never lose out financially if there are any unauthorized transactions on your account.

In one particularly attractive feature, you can subscribe to receive free alerts if your Social Security number is found on any of the Dark Web sites Discover monitors daily.

The lender will also allow you to freeze your account if you temporarily misplace your card.

FAQ

Can I choose the design of my card?

Yes, you can choose from a selection of card designs via your online account for no additional cost. If you’re applying for an NHL® Discover it® card, you can also choose a design that is themed around any of the 31 NHL teams.

Does Discover have an app?

Yes, you can download Discover’s app via the App Store or Google Play. Its features allow you to redeem rewards, set alerts, and view your FICO score.

Can I withdraw cash with my Discover card?

Yes. To set up your card for this service, you’ll need to call customer services to receive a PIN. Alternatively, you can present your card and a photo ID at a bank or credit union to get cash.

Conclusion

If you’re planning on taking out a new credit card, there is a strong chance that Discover will have a product to suit you. We were particularly impressed by its generous cashback offers of up to 5% and the 18-month interest-free period on the Discover it®: Balance Transfer, which will allow you to avoid interest on existing debt. As well as providing 24/7 customer service, the lender offers an impressive array of bank-level security features such as its $0 fraud guarantee scheme.

Discover it® Miles Apply Now

Methodology

This review was compiled using the information on Discover’s website and by contacting its agents through online chat.

Katy Ward

Written by

Katy Ward

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She enjoys identifying complex financial trends that make for interesting article topics.

Trustpilot reviews

See what some costumers are saying about Discover it® Miles

Discover it® Miles

Poor

•

Reviews 212

on

Excellent

18%

Great

2%

Average

1%

Poor

2%

Bad

77%

consumer-image

craigc

6 days ago

I love this bank

I love this bank. No fees and their cashback debit card is awesome. Would highly recommend as an online bank.

consumer-image

nick mathew

19 hours ago

Horrible experience

If your looking for a credit card that will protect your money Discover is not it. They go in favor of the merchant with disputed transactions. At first they said they would credit it and even though I provided documents because they couldn't get a response from the merchant they reversed the credit and had the audacity to report my account as a disputed account. Stay away at all costs!! My sister's credit card (a different company) took care of the dispute for the same illegitimate transaction no questions asked and she didn't even submit proof through documents. Look for a bank that works for you!!

D

dawn wright

16 days ago

Discover Credit Card offers

Discover Credit Card offers keeps popping up on websites I have used for years. I finally accept the Discover offer, and Discover Credit Card offers me a chance to use their name if I pay $200 of my own money. I declined the Discover Credit Card offer, because it felt fake. Discover Credit Card offer popped up again, today.

A

allison simmons

a month ago

AVOID DISCOVER BANK ACCOUNTS

Somebody posed as me and fooled Discover into doing a wire transfer into their Chase bank account to the tune of $12,300. They did a SIM card swap/phone takeover and I had no control over my phone because this jerk took over all access...nobody could reach me because the calls all went to him. Even when the police officer called my number, this jerk was still answering! Since the call came from a known device/number they said they did nothing wrong and will not be returning my money. Funny thing is the call I received from the fraudster was in fact Discover's phone number. The police that took the report said anybody can change their phone to show any called id they want. When I received the call from "Discover" regarding this, the caller ID showed I was actually getting a call from Discover so I had no reason to believe it was anybody else until I saw I had $3.00 in my account. Completely devastating for my family. They are completely uncooperative and are NOT returning our money. PLEASE, PLEASE stay away from Discover. I would hate for anybody to live the same nightmare.

P

patrick

a month ago

avoid discover personal loans

avoid discover personal loans. i verified my address 10 different ways , and they kept telling me it wasn't good enough to verify my address, i kept sending photo after photo with the date and my address on it, but 1 1/2 days applying for a loan with SoFi and i'm already getting my funds sent. discover wasted weeks of my time , and only called me when i was at work and couldn't answer the phone. very unprofessional experience.

consumer-image

sophie kayakgurl

a month ago

Nothing but positive reviews for…

Nothing but positive reviews for Discover. Their cash back incentives and customer service are excellent. Discover has top of the industry security and ease of use.

N

no ons

a month ago

Applied for a personal loan with a great credit score but was denied because they made no attempt to verify identity

Husband applied for a personal loan with a credit score over 800 and 7% credit usage. They asked for a copy of his driver’s license, a copy of his Social Security card, a copy of a bank statement or utility bill, and bank statements for past three months. I thought this was going way overboard for this credit scenario on a $12K loan. It was three days before we logged in without any notification from them to check my application status, where we found out they declined the loan because they could not confirm his identity. What couldn’t they confirm? We supplied all the information they asked for, and they just closed out the application without so much as a phone call or asking any questions. We called, and the representative tried to pass it off as a problem with his credit report. I just pulled the credit reports, where there was nothing unusual. Now, his score dropped eight points because of the hard inquiry. Consequently, this has made it harder to shop for another loan as the quoted rates are now higher. Bogus! Thanks a lot, Discover!

M

maibee

a month ago

Can't trust Discover - Cardmember aggreement allows them to steal!

Discover's Cardmember Agreement and business practices are disgusting! It is clear from my payments and activity that I was trying to avoid interest charges. I regret not checking my account earlier to notice the 5 months of interest charges at 23.99% caused because Discover took my final payment to be applied to my 0% $12,000 balance transfer in October 2022 for the final balance of $4,111.05 and applied it to charges other than my $12,000 balance transfer that expired in November 2022, forcing $282.59 in total interest charges to my account. I believed that I could trust Discover since I set responsible automatic monthly payments and made zero purchases. I will never trust this fraudulent company with my finances and will advise others not to either. An ethical company would do better by its customer with facts as clear as mine and refund me their mistake of $282.59 in interest charges that I did everything right to avoid. I spoke to 5 supervisors that promised to resolve the issue and get back to me - none did. I made a claim through the BBB, but Discover didn't respond to my facts. Discover was able to steal my money because of their Card Member Agreement - BEWARE!!!

J

jummie

a month ago

i recommend

Discover will always have international students hearts. I needed to start building my credit, went to TD Bank, my bank for almost 2 years with no single bad record. I was denied twice, reached out to a friend who sent me a link to discover, it took almost a month to be verified but they came through. Needed an urgent card and Anthony from Chicago ( should be given a raise), made sure I got a new card the next day. Thank you for helping international student, your company is amazing. I recommend 100%

consumer-image

gnommez and mortishya

a month ago

Liars

Within 24 hours of activation of my first credit card with Discover, I had my account frozen pending identity verification. After providing the information and unlocking my card, another department froze my card and sent me a message saying that I needed to provide consent for the IRS to give them my last two years of taxes to prove my identity. When I argued that my taxes shouldn’t be required for verification of my identity, they told me that they could use my last 3 months of bank statements and a notery form as identification verification. I believe that I am being lied to and treated as if I am undereducated. I am willing to bet caucasian customers from larger cities are not treated like this.

J

jay

2 months ago

Discover scammed me with Coleman…

Discover scammed me with Coleman furniture. Coleman furniture is well known for scamming its customers by all means necessary. just look up pissed consumer online. Long story short Coleman furniture wants me to pay restocking fees for furniture that NEVER made it to my door step. Discover initially gave me back my money and said the decision was final. Then went back and credited me for a whole lot less. I have all of my proper documentation showing I'm telling the God honest truth concerning this matter. The thing is yhe delivery company lied to coleman and sided with them. I'm NOT paying for furniture I've never received or was notified of. I never got a notification of anything until I filed my dispute. Discover went along with Coleman furnitures lies and I'm I refuse to pay for something I didn't receive. If discover wants to make this issue right they need to do the right thing on my behalf. If not that's fine too. Again we're living in bad times. Folks aren't paying for things they've never received. Does discover think I've got fool written across my forehead???? Try again slicksters. What goes around comes around.

H

hew bb

2 months ago

I have to wait ninety days because they…

I have to wait ninety days because they said someone applied in my name. Why do they have to do this to me.

consumer-image

isabelle kornblume

3 months ago

Infuriating & greedy.

To be real I kind of blame myself for putting so much faith into an online bank. I have a separate bank checking account and I transfer my savings into discover so I can receive the interest benefits discover promises in action. That held truthful, but when it came TIME to withdraw the savings I learned that I can’t. Wtaf it’s my money and I can’t have it? Apparently you can only withdraw from your credit but my cash advance limit (how much I can withdraw) is SIGNIFICANTLY lower than my savings amount. So basically I put in 1.6k into this mf and can’t even pull half of that through my credit 🙃 I’m closing my savings account.

consumer-image

b gunes

3 months ago

they say cards for students no credit…

they say cards for students no credit needed and once you fill out the application form you get a hard inquiry. its ridiculous

N

nick

3 months ago

Compared to most companies in the…

Compared to most companies in the sector, Discover as a company has always been very customer friendly to me. My experience using their rewards program is above average. Discover is pretty much accepted everywhere that accepts a CC, and more than Amex. I have several CC's, so I usually take advantage of the 5% quarterly offers with my Discover card. That's over double what other cards offer (except initially, sometimes). Pretty solid.

A

al

3 months ago

I asked for an increase in my line of…

I asked for an increase in my line of credit from 10K to 20K. I was offered 3K more. I have no missed/late payments, FICO score of 810, a healthy balance in my Discover Bank account and no debt. The astounding thing is they would not give me a clear explanation of why I was denied and that I would be sent a letter explaining the rejection. Changes coming!

A

alexandros

4 months ago

STAY AWAY

STAY AWAY , do you understand these two words? I applied for a credit balance transfer card. I didn’t like the credit line, and I didn’t agree to the terms. The same minute I called and canceled the application. Two weeks later, they went forward with the balance transfer and now asking my money. They investigating like 3 months but nothing; they running around . STAY AWAYYYY

M

mrs.d

4 months ago

Discover Bank is top notch!

Discover Bank & credit card are wonderful. Their security is top notch. They let me know right away even a small $29 amount posted to my card. When I’m on the road, they call me right away if they think someone else is using my card. Customer service always looks for helpful options for me. And the bank texts my balance everyday so no glitches like BofA occur. I’ve had Discover for years. Five stars all the way!

T

t hicks

4 months ago

DIscover sides with merchants

They allow you file a dispute within a year of purchase. You provide documents and the merchant ignores Discover and provides nothing. Discover takes the merchants side even though they provided nothing. Use a different Cred Card.

D

d paul

5 months ago

Don't get a Discover Card, please, if you value your time and sanity

I am appalled at the treatment my daughter and I received, over the last three months, before I closed/cancelled my Discover card on January 2nd. I am 92 years old and have had my Discover card for many, many years. My daughter, through a conference call, helped me file a dispute, on October 1, 2022, regarding almost 20 charities that had fraudulently charged my Discover card, over the last year. I thought that Discover was doing a thorough investigation and at first, felt really good how they were handling it, but the problem was, since October 1, Discover could not stop the charities from charging my card, so I had to keep getting new cards (four, overall) which all involved numerous calls, with us waiting over and over, again for the right department. . .Discover can check my account and the 15 people we talked to, over those three months of their so-called investigation, between October and December, but still they could not stop the fraudulent charges! However, Discover did DENY my auto insurance recurring charges and they denied my auto registration! So they didn't stop the fraud, but they stopped my legitimate charges. And further, I NEVER HEARD BACK about my disputes, even though we called and called, for updates. The charges were just slammed back onto my Discover card. Specifically, we had called in December and spoke with Colleen and Ally and still, they said there was no news about the "investigation." Well, our last call was on January 2nd, after they had put all the charges back onto my account (which they back dated to November 12th, apparently) and we first spoke with Carolyn (customer service), who kindly cancelled my Discover card, but then we were transferred to Tyra (fraud), who STILL could not give us any information on my disputes. She supposedly was talking to a manager that was looking at my account, who she said would come on the line, and my daughter and I waited 35 MINUTES for that doggone manager, who never came on the line!!!!! We had been on our conference call with Discover for 2 HOURS, so we finally hung up, disgusted with the way Discover has handled this whole situation. My daughter and I will bad mouth Discover, to whoever will listen. I know most people don't care, but shame on Discover and watch out!!!

K

karen zimmerman

5 months ago

Ruthless, Robotic, and Cruel

I got into a position, due to being a caretaker for a relative, where I couldn't make the stated payment. I PROACTIVELY tried to get a lower payment, but they refused to deal with me at all. Now things are with a collection agency and I'll end up with a judgment on my credit. What a bunch of jerks. When you call them, they are like robots. No, you have to do it this way. No, we won't negotiate. Stay away from these ruthless, greedy people.

consumer-image

b gunes

6 months ago

Please do not fall into their false…

Please do not fall into their false advertisement trap. I have submitted application because it was saying NO CREDIT REQUIRED, and ended up getting a hard inquiry.

N

nata

6 months ago

Worst ever

Worst ever. Not only is the app hard to understand, since it doesn’t show you your statement date or due date. I had to call, I wait for almost 15 mins! Just for them to end on me. WORST CUSTOMER SERVICE.

C

carmen kienow

6 months ago

Discover doesn't understand how POA's work

My father passed away and my mom has dementia. I have POA (which clearly states I can conduct business on her behalf whether she is incapacitated or not). After emailing and faxing the documents (more than once) I am told NOW they need proof that she is incapacitated. This has been going on since 11/16/22 and each time I talk to someone I get inconsistent information. Each time they receive something via email or fax, they need 5-7 days to review it...and I didn't find out they needed something additional until after waiting each time. In the meantime, the account may be delinquent and be charged additional fees - but I don't know! Prepare for a circus if you need to deal with Discover Card.

J

jon

6 months ago

Discover Financial Bad Service

Discover Financial, This company does not care about its customers. Just like other student loan companies, they know how to properly align with the majority of their customers and offer them feasible options during a time of high-interest rates and inflation. While federal loans are being given relief and put student loans on hold, private loan companies are trying to nickel and dime their customers for everything. When you offer options that only put the customer more behind on student loans and call it assistance when in reality it just makes the customer pay less for a certain amount of time but increases the payment for them as soon as they start back paying student loan payment that does not solve the problem. Private Student Loan companies constantly try to put a bandaid on the problem instead of offering options to better their customer's situation. It is time you realize that the aggressive and unethical approach you are taking will no longer work. The majority of your consumer audience that is paying for student loans is not getting by because of the economy crisis Americans are going through and the salaries of most middle class workers that are stuck in student loan debt are not seeing increases in their salary to compensate for the amount of money you are forcing everyone to pay. This is why I am looking to refinance my student loans with a company that will actually provide a solution to the problem. I would strongly not recommend this company to anybody who wishes to be treated fairly.

L

linda c

6 months ago

looking forward to discover-y

i have limited experience with discover since Im still sort of a new member. on a positive note, the cashback rewards and no annual fee makes me feel excited for my membership.

consumer-image

ashlee laroche

7 months ago

Unable to answer very basic question... canned comments, pathetic.

I have asked agent nearly 10 times now. If I pay my charges off by Dec 10th, will I be charged the 16% APR? At this point, I am assuming no, because every single time these fools could not answer a simple question. In fact, every single time I got a different answer. Every. Dang. Time!!!!!! Unreal. I am transferring companies. Already initiated the rollover.. learn to answer simple questions. Pathetic.

S

shirley

7 months ago

Wasted time and effort

After several months of process and submitting a bunch of documents, the loan was denied for the reason "We won't lend to the multiple families house", wasn't the "multiple families house" obvious from the beginning of the application? and you wasted months of time and effort to get all those required documents and gave out personal confidential information.

V

vonda kennedy - young

7 months ago

HORRIBLE CUSTOMER SERVICE

Received an alert that card was being used in August 2022, called Discover to report it wasn't me. The suspended the card immediately and stated that they'd send a new one, after 2-3 weeks later called to report that I didn't receive it and was told it was due to a paymennt being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my Transunion account, called Transunion, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called Transunion to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone, after he told me the same, called Transunion on home phone, verfied the information on speaker while rep on mobile phone on speaker. He calmed his attitude and stated he'd heard and will do a soft transfer so that he can explain to a manger that he heard my conversation with Transunion and that he applauds me on how calm I am after reading the notes on how many times, I've called. Once transfered, I got a Manager on the phone, who stated to me that he told her that I needed a replacement card and they weren't able to send it cause, I had a fraud alert. She was just as unconcerned as all the other managers that I'd spoken to over the last 2 months. I have spent numerous hours on the phone, being transfered to unhelpful managers, having to explain my issue and many departments and inconsistency in the reasons for this issue, never a solution all though, I've done what was expected of me and 3 months later, no results insight.

S

sam

7 months ago

Fraudsters!

I wish i could rate them lower, They've sat with my wife's secure card deposit for over a year and been spinning stories of returning the same. Wish collection agencies could bite their masters. The reason we needed a secure card in the first place was we mover from another country for work which meant no credit history. But these unethical practices will catch up to you in the long run.

g

gillian archbold

8 months ago

A disgrace of a company

A disgrace of a company. I wanted a loan of 2000. The hassle I have got. Keep asking for more money. Scam artist

R

rachael healey

8 months ago

0/10 don’t waste your time

Prior to leaving for basic training, my husband contacted Discover to open a checking account. This would be the account his funds would go into for the 3 months while he was away. The funds that would pay all of his bills as well as half of our joint bills. He intended to make the account a joint account, but was told they were unable to do so, but could not disclose why. I was informed later on that the reason was because I already have an active checking account and can’t have 2. Had this been mentioned, I could have closed my account as it hardly gets used. It was then suggested he make me an authorized user. The only difference between the two is I would not have a debit card, which was fine for us because I’d have his account access where I could transfer funds from his account to mine via the app. Discover completely disregarded his request. Never gave me access. Never mentioned to him that even I I did have access, it would be very limited and temporary. Never mentioned power of attorney paperwork he’d have to sign so I could be given access. I’ve spent several hours contacting them numerous times and kept hearing how sorry they were for the “inconvenience”. Numerous times I was told to have my husband contact them. My husband has no outside contact for 3 months while in basic. My husband now has funds transferring to this account for his/our bills that I have no access to. Bills that could potentially make us homeless, without vehicles or means of necessities. We have two young children together. Because their employee didn’t do their job as it was requested when the account was opened, they’ve put my family’s livelihood at jeopardy and all they’re sorry for is the “inconvenience”. 0/10 would not recommend wasting your time.

c

cm

8 months ago

Banking with Discover

I've had a Cashback Debit and Online Savings accounts with Discover for a couple of years now. I've had no problems, and I left my previous bank because of problems. Discover has the best 24/7 customer support ever. I had some personal information stolen and they immediately changed my account numbers (closed the account, opened a new one with everything carried over) so the theives couldn't access my money. I get interest on my savings and automatic deposits of my cashback into my savings account every month. They give you free checks. They let you freeze your debit card indefinitely. I keep mine frozen all the time and unfreeze only when I use it. That prevents nearly all possible fraudulent use. I pay my bills through their online bill pay. It has worked great, no problems. It's extremely convenient. I like it a lot better than having checks constantly in the mail. There is still a couple of days lag between doing an online payment and having it posted to your account. You still need to keep records of all your spending to match against the bank's records. That is how you 1. know how much money you really have (the lag causes the bank's total to be temporarily inaccurate), and 2. spot problems. I'm not sure why so many other people are having problems with them. I live in the US if that makes a difference. I don't know how much it matters, but to prove my identity I have my mother's maiden name listed as something pretty obviously not her maiden name, so who knows what I told them other than me? People who know my mother's actual maiden name will give the wrong answer. I also have a security phrase/word. Not sure exactly what they call it. These two measures were put in place after someone stole some private identifying information from me. They always ask for these two bits of informatioin when I call. Also, our cell phones have become crazy important. They can always send a code to your cell phone for identity confirmation. Nobody else has access to the texts on my cell phone. Makes me scared of losing my phone or changing my number. I have learned that you do need to tell them when you travel out of state. They will refuse charges from out of state if you don't tell them. That is a security feature. I called them while checking out at walmart out of state because the payment wouldn't go through and they fixed it in a few minutes, the payment went through. I don't have their credit cards but the credit cards I have, I pay off in full every month and don't have problems with those companies either. Your credit is important, you should treat it like it's important. Protect it from fraud. Only spend what you can pay off every month, paying interest is a waste of your money and the work you did to earn that money. Credit cards do two things for you, if you use them well: 1. protect you from fraud because you can file disputes, and 2. give you benefits like cashback. Cashback is free money, or I sometimes think of it as a discount on what I'm buying. If you want to finance a new boat you should not use a credit card, you should use a savings account. I have had a great experience with Discover bank and highly recommend them to everyone.

B

bs

8 months ago

They never increase my limit

They never increase my limit. Now, my balance is $0 to $15 each month, just enough action to keep them from closing. I wish I would have went with a different company, as I previously had an issue with them in the late 90's early 2000's falsely listing my payments as late to rack up late fees, even though I was sending them signature confirmation over a week early and had all the evidence from that presented to them.

W

wyatt tanner

8 months ago

My payment is due on the 12th

My payment is due on the 12th. I made and ACH payment on the 5th and check mobile app daily till the 12th to confirm paid. On the 13th i check mobile app again to consider making an extra payment, but the mobile app was asking me to pay the 12th payment on the 13th. So i called and the response i received was the check was returned the same day insufficient funds and that the system does not allow to see those transactions until the 13th along with a 29 NSF fee charge. I have filed a BBB complaint. BEWARE

S

s s

8 months ago

I got approved for 5000 and initially…

I got approved for 5000 and initially over the course of the year spend 3500 out of the 5000 and they too the 1500 dollars which made it look like my account is maxed out but i can see if i was late on payments etc why give somebody credit then take it away then make there account look like there maxed there credit card out now this have effected my credit because now there saying I’m using 95 percent of the card when they took the rest of the credit away and i can see if i was late and not paying on time they were my favorite card now i hate Them now after I’m done paying my balance it sad I’m closing the account

A

andi wer

8 months ago

They are freezing accounts

I have been locked out of my account twice now, and I am again unable to access my funds. I appreciate and expect rigorous security verification. At discover though, there is a pattern of mismanagement of the process. As a customer, I expect to may have to do this once, but not twice in a few months.

M

michelle

9 months ago

Discover cancels accounts and lowers credit without warning

So I used my Discover card for a few months when I first got it, but paid it off like a good person. I went to go try and use it and they had canceled my card. I eventually did find the email, but they never even sent me a letter and when I called them, the manager said they will NOT even consider re-opening it. WOW All because I hadn't used it in a while. They could have at least sent an email or a letter saying they would cancel it if I didn't use it within X months, but they didn't. I spoke to a friend who said the following: "they cancel accounts that have not been used in over one year. Happened to me. No warning, no appeal, nothing. I also know they downgraded my son’s credit card limit because they thought his utilization rate on OTHER accounts was too high. Again, no warning, his card just gets declined when he thought he had ample available credit." They used to be so nice to me and now this. TERRIBLE experience now.

l

lynda boyer

9 months ago

I’ve had great service from Discover

I’ve had great service from Discover. Been a cardholder for years. No issues. Got a personal loan from them a few months ago. Everything has gone seamlessly. Funds in my account in less than 48 hours. Their app is definitely one of the best out there!

C

cheryll ramirez

9 months ago

RIDICULOUS HIKE IN INTEREST RATE after…

RIDICULOUS HIKE IN INTEREST RATE after being a customer OVER 20 YEARS!!!! CUSTOMER SERVICE COMPLETELY UNRESPONSIVE! DONE!!!!

K

kelli plummer

10 months ago

I applied for a perDo Not Use Discover Bank For Anything sonal debt…

I applied for a personal debt consolidation loan through Discover. I was approved for the amount I had requested. I didn't know until I was filling out the final steps of the application that Discover bank wants a list of your creditors and they will pay the bills you want to consolidate. If there are any funds left, those get deposited into your bank account. My opinion is that if I am responsible enough to maintain a good credit score in order to be approved for the loan, then I can certainly pay the bills I want to consolidate. It made me feel like I couldn't be trusted to use the funds in which they were intended, so I am not going to proceed with the loan process. Don't use their credit cards either. I had one to use for emergencies, and since I didn't use it enough, they closed my account. Lastly I read several bad reviews from other customers who used consolidation loans and say that Discover did not pay their creditors or give them any funds that were left over still charging them interest fees.

J

james desantis

10 months ago

Do not get a Discover Card..

Do not get a Discover Card... If you already have one NEVER EVER use it for recurring payments. I signed up for a monthly service with no term obligation. The service was no longer available to me but the merchant kept billing the card. I opened a dispute with Discover who gave me an itial credit but then charged it to my account again saying that since I once authorized the merchant they cannot block the charge or credit me for the charge where I did not receive service. This happened again the following month and Discover agent told me the only way I can stop paying these charges is to close my discover account. I had to do it which will have a negative impact on my credit rating. There is nothing you can't get from some Visa or AMEX cards that you get from Discover... NEVER get this card. And if you have one NEVER EVER use it for a recurring purchase.

consumer-image

alexandra claire wilson

10 months ago

DO NOT BANK WITH DISCOVER

I opened a Discover checking account around June 28, and they decided to close it on July 25 for "suspicious activity". I did absolutely nothing wrong, and now they won't return my money for 60 days. I cannot wait 60 days, who can? I called everyday between July 25 - July 29, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened (implying it would come before my money), but then someone told me today that letter would not come until my check came with it. It is not benefiting them at all to hold it that long, meanwhile I'm the one suffering without my money.

b

bruce goldstein

10 months ago

Consumers are at risk of loss everytime they use Discover Card

I was subject to an online scam booking a hotel room using my Discover Card. I recognized the fraud immediately in part because as soon as I hit the complete reservation button I received a Discover Card alert that my transaction threshold had been exceeded. This alerted me my card had been charged for more than I expected and including unauthorized charges. So I called Discover and they said they couldn’t do anything until the charges post. They sent me a transaction alert then said they couldn’t do anything about it, very amusing - so what’s the point of the alert. So I called the merchant to cancel the transaction and the customer service number was to an offshore call center who canceled the hotel reservation, but said it was non-refundable because I needed to cancel by yesterday. And I said I couldn’t cancel yesterday because I booked today. Note part of the merchant scam was not disclosing the bogus cancellation policy or the 50% “service charge” until after the “”complete your reservation” button was entered. So Discover didn’t even buy that an egregious charge disclosed after a transaction was “approved” was authorized by the card holder. I disputed the transaction with Discover 3 consecutive times and every single time the merchant sent in documentation that I did cancel on time so they denied the dispute. In meantime I had rebooked the hotel directly with the hotel so I am out quite a bit for this scam. The last conversation with Discover they agreed this was a scam, but said a scam is not fraud as covered in the user agreement. So they will not remove the charge because they said I authorized it. Even though they acknowledge it looks like a scam. I asked for the merchant documentation to review and they two two weeks to send it. They would not provide me with information about the merchant and the phone numbers they had for the merchant (CCI Hotels) we’re not working numbers. The internet is littered with complaints about true merchants business practices yet Discover has decided this is not their problem, it’s mine. In the short term this is my problem, but I. The long run this problem is Discover Cards. There should be consequences for enabling fraudulent merchant behavior and mistreating customers. Please thumbs up if you agree.

A

ali s.

10 months ago

Home Equity Loan!

I just had my home equity loan thru discover and I couldn't be more satisfied by the experience. their processing time was shorter and faster than what I was expecting, they communicated clearly thru every step, every time I called I was able to speak to someone right the way. I highly recommend it.

consumer-image

alexandra claire wilson

10 months ago

Worst Bank I've Ever Had

Awful Awful Debit Account experience. I opened a debit account a month ago with Discover, and they made a business decision to close the account with my money still in it. Now I have to wait up to 60 days to get my money back. That was all of my money. I’m screwed, and I can’t even pay rent and other bills. 0/10 do not recommend.

G

grace

10 months ago

Horrible

Horrible. They work with the merchant and not the customer

J

jennifer corson

a year ago

Horrible customer service

Horrible customer service. After recommending friends and family I will never do so again. After making a purchase where Discover denied my dispute even though the merchant who not comply. This shows they do not protect your purchase or care about their customers whatsoever. I did submit all documents they requested to back my dispute.

m

mike luster

a year ago

Is Discover near bankruptcy?

My first guess would be that Discover is going bankrupt, or struggling to stay solvent. They send a fishy email claiming that they need an IRS form completed, but when you call customer service to ask about this email, they tell you it is a pfishing scam, and that it did NOT come from Discover, and to disregard those emails. But then later they freeze your account, and have stripped all forms of customer support to non-existent levels. I have held 2 discover accounts for years, and have a perfect history with them. No other credit card company has done this to me.

r

robert drew

a year ago

Worst company

Worst company. Be warned, finally closed out my loan. Usery, theft. Dishonest.

consumer-image

denis nio

a year ago

Really I dont know what is going on…

Really I dont know what is going on with Discover but to reach the security department there is a waiting time of 2 to 3 hours... and good luck if they not disconnect you after all... Looks like Discover being hacked and they keep quiet about it...

R

robert tilton

a year ago

Don't waste your time on an application with Discover!!!

I had a Discover card for about 5 years. They sent me an offer, that if I got someone to sign up, they would give us each $100. I talked my girlfriend into applying for a Discover It card. Knowing her credit score is over 800! She is a half owner of our house, bought a brand new Toyota, etc. Didn't think they'd turn her down! She called in a credit application, and they refused her a card. When I called to inquire they got nasty with me. When her denial letter came back it showed an 815 score for her, but they claimed not enough income! Needless to say after 5years I cancelled my Discover account with a 0 balance!

consumer-image

adonislady

a year ago

So June 22 2022 @2:30am I received an…

So June 22 2022 @2:30am I received an email about unusual activity. So I attempted to reach out to Discover to see what the issue was and to my surprise there is a 2-3 hour wait time to speak with someone?! so I hung up. I have a very busy life on top of being a mother of 3 small children.2-3 hours is not reasonable for me.. I barely have an hour to myself let alone 2-3. Here we are today July 2022 & my account is still frozen.. the wait time is still 2-3 hours to speak with some. Like what the hell is going on here?? I just want Discover close my account and send me my balance to my address on file. The audacity of you people to freeze my account and be impossible to get ahold of?! I don't recommend anyone bank with Discover they're very unprofessional unreasonable and all around ridiculous! At this point I don't want to talk to anyone. I want my account closed and my money in my checking account sent to me! NOW! ENOUGH OF THE GAMES! They can not do this to people! I think that there should be a class action lawsuit against these people for disrupting our lives with there bs security team. I was forced to cancel summer camp for kids because of this! That's not fair! Something has to be done! Let's start the class action lawsuit!!

F

fallon stidd

a year ago

On Hold for 4 Days Now!

On hold for 4 days now!! I've been locked out of my checking acct./debit card for 4 days now and have to talk to the "fraud department".......but I've never actually talked to anybody in the fraud department. Called at 8 am on hold still at 9 pm for 4 days now!!! The piano music is driving me crazy. They hang up on me at 3 hours 2 minutes.....this has to be illegal??? What is going on??? I can't even close my account as only the "fraud department" can deal with the account now! STAY AWAY FROM THIS COMPANY! IT FEELS LIKE IM NEVER GOING TO GET MY MONEY. Can't buy food, going to have to cancel 4th of July vacation because I CAN'T ACCESS MY OWN MONEY! I HATE THIS COMPANY FOR RUINING MY SUMMER. I literally can't even buy groceries ----- something must be done! This has to be illegal, they're stealing my money! I am so sad that I'm missing out on a vacation I've looked forward to all year because of how unprofessional and disgusting Discover is. SOMEBODY PLEASE HELP!!

consumer-image

philip buckley

a year ago

a lot of fanfare, but no cigar....

tried to open, online, a checking account....for a retired expat, here in Mx.....they knew we are in Mx....and wanted a noterized id....which we got, from a local notary.....and after much fanfare declined because it was not done...the notery, at an embasy.....as if the local notary were not .....international.....and all, of this was necessary because Wells Fargo....shut down all of their prepaid debit cards.....

W

whit altman

a year ago

Awful experience, will never use again!

Discover locked me out of my account - can’t log in, can’t use debit card, nothing. Customer service won’t even tell me why. I have to talk to the “Security Department.” I’ve been on hold for a combined 12 hours over the last 48 hours trying to talk to someone in the “Security Department”. No one answers. Calls drop after about 3 hours and then I have to start all over. Meanwhile, I can’t access any money to pay bills or buy groceries. They are literally holding my money hostage and I have no idea why because I just sit on hold! The worst experience I have ever had with customer service from any type of business because THERE IS NO CUSTOMER SERVICE! Just a 30 second long piano loop that plays over and over for hours.

S

steve webb

a year ago

OMG on hold with Fraud for 2 hours 50…

OMG on hold with Fraud for 2 hours 50 minuets listening to the same piano music repeated over and over then to get cut off. So I am now calling back and been on hold for 1 hour 10 minuets I called the main number but after 40 minuets trying to reason with the lady and no supervisor is willing to speak to me I am told I just have to speak to the fraud dept BUT IF THEY DONT PICK UP HOW DO I TALK TO THE FRAUD DEPT? "Sorry there is nothing I can do you have to talk to the fraud dept". She then tells me she has had reports of people on hold for FOUR HOURS! Well go figure Discover if you have that much fraud maybe you need to employ more agents? It is unfathomable a bank with over $112 billion in assists has no one handling fraud cases. Now on hold for 1 hour 15 minuets. I would never bank with these clowns I sincerely hope they read this and try to.........I don't know answer the bloody phone.

N

nasha roland

a year ago

I wish I could give zero stars

I wish I could give zero stars. I applied for a discover personal loan on 6/23 and was told I was prequalified for the loan. I accepted the loan and provided them with what I needed to pay off and direct deposit information. Was told they will pay it off and then transfer the balance to my checking account to pay off other cards. Checking the Status a few hours later it’s saying they couldn’t approve the loan. I called and was told it was a glitch and give it 24-48 hours and call again; I have been calling since with all these incompetent reps telling me something different. They cancelled the old application and did a new one and now I’m being told it’s under review. Review for what? No one can answer and they cannot provide a time frame. So I’m guessing a review can take one year? 5 years? I’m confused. Discover loans is ridiculous and I would not advise on it. I needed the loan to consolidate my CC’s and they are making it so difficult. If anyone from discover is seeing this please do better!

h

hamed jalali

a year ago

They have the worst customer service in…

They have the worst customer service in the world. If you want to talk with a banker, you have to wait 3 or 4 days on holding to recieve an answer. It's not a bank, it's a joke. Don't trust them. They ban your access to your debit card account for no reason and they don't answer. You can't access your money. It's like a scam.

S

sstrategic

a year ago

Locked out of checking account since…

Locked out of checking account since Monday! Multi-hour hold times to get a person that says security has to unlock and then hangs up or they just hang up when they get the call originally! At this point I have thousands of dollars being STOLEN by Discover Financial services! STAY AWAY FROM THESE Crooks!

M

marcus

a year ago

Very disappointed

Very disappointed that Discover decided to lower my credit limit from $4800 to $500. Then, after I complained, they asked the IRS for my tax returns to prove my income, which I authorized and which they agreed my self-reported income matched my actual income on the tax returns and yet they still refuse to put my limit back up.

M

mubark adan

a year ago

7 days of multiple 3+ hour calls still no solution.

I bought food then I was locked out of my account for unusual activity on Monday at 7pm I’ve been calling multiple times a day everyday waiting for 3+ hours most times only to be disconnected or told that they are incapable of doing their job due to a technical issue it’s currently Sunday and I still do not have access to my account.

H

hev

a year ago

They unlinked my external account with…

They unlinked my external account with no prior advice and it's literally impossible to reach someone to address the issue (nor by phone - over 90 minutes waiting time, nor by chat - no one answering, nor by Secured Message Center - they replied to call by phone). As previous reviewers wrote, I had the same awful, outrageous, ridiculous experience. I need to transfer money between the 2 accounts ASAP but no one is helping and it has been days since that. Stay away from this Bank, it's not a Bank, it's a joke.

M

mo nia

a year ago

Awful service

I deposited money into my saving account, and Discover bank froze my account for about a month without a reason. I couldn't have access into my money. When I called customer service, I was told I had to wait for about half an hour. But, I waited more than 2 hours for someone to answer. After more than 2 hours the representative didn't help me and told me I had to call back two days later. Again, I had to wait more than two hours on phone. Please stay away from Discover bank. The customer service is awful. I have never had such experience with other banks.

d

david vaught

a year ago

Unbelievably bad customer service

Unbelievably bad customer service. Traveling across country, frize my card and account. Cant fix it on the app or website like all the other banks. Tried calling in for days. On hold today for 3 hours and then disconnected. Still cant get through. Horrible. Never again will I give my business to them. Come to find out this is normal for them. Wow

M

mike go

a year ago

Horrible customer service

As another reviewer naiomi wrote, I also have a frozen account due to "suspicious activity" after owning the account for about a month. Yesterday I was on hold for 3 hours until the phone hung up. I called again and their fraud office closed. As I am writing this I have been on hold for two hours. I cant see or use my money. This is a ONLINE ONLY BANK they should have 5x the amount of reps than a regular bank uses. I am on hold to speak to a REP and then she will transfer me to the fraud office and who knows how long I will be on hold with them. Regretting my decision banking here.

N

naomi davis

a year ago

This is literally by far THE MOST…

This is literally by far THE MOST DISGUSTING, UNPROFESSIONAL BANKING service I have EVER had. I hadn’t even had my account for a month. Not a full thirty days and they randomly shut my account down and suspended it because of “unusual account activity” THERE WASNT ANY! I tried to log in, they wouldn’t let me. I couldn’t chat with anyone because they needed to verify it was me by logging in but I couldn’t log in!!!! I also had to call in customer service but there was a 90 minute wait just to speak to someone. All in all, they froze my accounts with all of my money and basically no proof of anything, and can’t get into contact with anyone. DO NOT BANK HERE!!!!!

consumer-image

🇺🇦

3 months ago

the Feds hurting them & they making customers suffer

Faithful cardholder for a few yrs Cashback match is a great perk to join but once this card is put into rotation it’s just ok. Credit monitor & fraudulent alerts come kind of standard nowadays, my beef is with the credit increases especially w/ this current economy situation. You can follow bankrate 3 rules to getting a good chance @ getting the increase & I still got nothing, please adjust that algorithm to lookout at least for good standing current customers. The live loan reps usually give out some valuable tips about their company, credit questions & other alternative solutions. due to interest rate raising rapidly your interest rates on your card are changing w/ out u knowing & credit increases aren’t a priority anymore Some companies like credit 1 are charging to up your limit, this company falling off they almost down there w/ them.

J

jack roko

a year ago

Discover has a 100% US based customer service.

Discover has the best customer service!!! In recent years many companies began outsourcing their calling centers offshore such as the philippines. It is usually a waste of time talking to them being that they don't know english and are not very knowledgeable. ON THE OTHER HAND, DISCOVER HAS A US BASED CUSTOMER SERVICE ONLY!! There is almost no wait time to connect with a intelligent knowledgeable agent. Thank you discover for putting your customers first, unlike the other companies which save money by hiring foreigners at the expense of their clients. Thank you, Thank you, Thank you!!!

D

diane

a year ago

They issue you the card with out…

They issue you the card with out getting identity verification and when you send all the documents from your bank, they give you the runaround about resending the documents not worth the aggravation. The worse credit card company I’ve ever dealt with.

consumer-image

mkel gee

a year ago

THE DISCOVER LEVEL UP 🤘💪🏿

I’ve held a Discover card account with usage of their mobile app for over 2 years now. DISCOVER has added an ONLINE PRIVACY PROTECTION feature where they scan the web and opt u out all those intrusive sites that share your personal info! This is a really exclusive amenity for being a Discover member. I get compelled to share this because I am big on privacy and credit, and I’ve never seen this service! GREAT LEVEL UP!

B

bretton austin

a year ago

Discover does not protect clients against unknown charges!

Discover declined to refund me an unknown charge as their company states. While purchasing 2 websites on Wix.com, an unknown charge was found. After reporting the unknown charge to Wix, they denied our request for refund as it was a few days outside their 14-day return policy. As a customer, we assumed Wix would be understanding and refund the unused website plan (that was never used). Apparently, they'd rather spend $115 paying their employees to fight with me over the money instead of just simply refunding us. After reviewing the case, Discover failed to protect us from an unknown charge as they claim to do. I provided them with the invoice that was found to be charged to our account as evidence. Apparently, Discover does not stand behind their clients as they claim...

J

js

a year ago

I opened the account

I opened the account, got the card, activated it and the first transaction mere minutes later is declined for 'security'. Waste of time and customer service was useless. Closed the account per my request without any security verifications. So I can't use the card without confirming who I am but I can close the account without confirming who I am???? And five (5) representatives can't explain to me how that's possible? 'Excellent customer service'? 'Security is very important'? I don't think so.

consumer-image

bill keaton

a year ago

Unauthorized control over my money

Despite having an 800+ FICA credit score, Discover would only give me a $2,000 credit limit. I had a $2,700 purchase to make, so I transfered money from a Discover deposit account to pre-pay my credit card account. I had a $3,600 credit balance, but Discover declined my $2,700 purchase. I called and spoke to a representative and a supervisor, and they told me I could not use my own money because the purchase was more than my credit limit. They exerted unauthorized control over my $3,600 credit balance which in my state is a crime. I closed my card account and I am withdrawing all my money from our 3 deposit accounts.

C

chloe westering

a year ago

Disappointed Discover

I tried to file a dispute with Discover. For over 3 months I tried working with them on this matter. The agents were inconsistent, careless, and honestly a nightmare to deal with. They couldn't give me any solid evidence to support why they validated the purchase and refused to send me documents on my file that I am entitled to. Basically, if you want a bank you can trust who will follow through with what they say they will do, don't bank with Discover.

D

didem

a year ago

Discover Bank lost my money

I made a wire transfer from my Discover Bank account to Turkey on March 1st. I supposed to receive the money by March 16th, but still, I don’t have it. Discover bank wire transfer specialists are not helpful at all. They lost my money, and I don’t know what to do.

E

es

a year ago

Good so far

I have only banked with discover for about 5 months but it has been a good experience so far. Their mobile app is convenient and customer service replies to messages within 24 hours. They also gave me useful information when I made an inquiry on behalf of a relative who wanted to open an account from another country. And the interest rate for my savings account is about 10x what I get from my local credit union. The one thing that seems off is the debit card that is supposed to give you 1% cash back. The first day I used the card I spent about $100 but only got $0.63 cash back which is a lot less than 1%.

p

phillip

a year ago

Adds adds adds adds

Adds adds adds adds

J

jr quest

a year ago

Discover owes balance due

Discover owes my deceased spouse a balance of $97. They refuse to make the check out in my name, and my bank won't take accept the check in someone else's name. I sent the check back to Discover but never heard back from them. I finally called them. Discover requires specific paperwork to even LOOK INTO options to resolve this, and the time / effort far exceeds what it's worth. In addition, they never contacted me to say what they needed, it was only after I contacted them. They successfully cheated me out of the money they legally owe.

consumer-image

jaden t

a year ago

Great debit card and customer support

Been banking with them for close 2 two years - and I gotta say initially there were issues with trying to log in and for a few months I relied on my other online banks. Well I learned my lesson, those other online banks ended up allowing fraud charges and ignoring disputes to the turn of $3k I will probably never get back despite filing with BBB and CFPB. Discover debit card you get money back and that in itself should be a reason to sigh up. But the few times I needed to file a dispute it was as easy as sending a quick message through the app and within 24hours of less a provisional credit was applied and investigation finalized before the predicted deadline. And you can actually talk to someone in the US without waiting on hold forever.

B

blake finley

a year ago

Seems the reps just make up answers

They seem to just make up answers. You can't rely on anything they tell you. They just change it later on if it suits them.

C

christopher kirchner

a year ago

My application for online banking was…

My application for online banking was rejected for opaque reasons. At the least, they can be transparent. I cannot provide additional stars because I was unable to experience additional services. Capital One approved me immediately, and can send a debit card to me internationally, whereas Discover did not have the option.

L

lin

a year ago

Excellent credit, yet cancelled for no reason. Why?

Cancelled my [somewhat] high limit credit card for no reason (maybe not using it enough?). Not a big deal- just opened another CC company - approved for double the limit. So maybe it was meant to be? Thanks Discover! More importantly, the surprise that my Discover Card credit limit was suddenly reduced to $500.00 ?? Without notice. Odd. I’ve never experienced this before. And Discover gave no explanation. Btw: Excellent payment history across the board; excellent credit score; excellent income /employment history. Used it for one balance transfer; paid it off in full after the term. Discover profited with a 3% fee. Not sure if that's considered feasible to keep me on as a customer(?)… Who knows? Oh well. I have plenty other CCs happy to have my loyalty :) Thanks!

J

john hazel

a year ago

Discover Card refuses to protect their customers

I purchased InflatR using Discover Card. The product is a piece of junk. I wanted to return the item for a refund, but InflatR refuses to give refunds. I appealed to Discover Card, which is supposed to protect buyers if an item purchased using that card is unsatisfactory. Discover did contact InflatR which stated that I received the item, and if I didn’t like it, tough. Discover removed the temporary credit they had initially applied to my account, saying they could do nothing more. Needless to say, I appealed, but they refused to reinstate the credit. Discover has defaulted on their advertisement stating that that they stand with the customer in case of faulty items purchased using Discover.

J

jarjar chiriqwiko

a year ago

I bank with them and use the credit…

I bank with them and use the credit card, never had major problems and when you call customer service you get someone from the U.S. not some random person from Philippines or India sorry not sorry

consumer-image

susan dodge

a year ago

Incompetent customer service

Incompetent customer service. I closed my account after many years when I recently was unable to change the phone number on my profile. It took 2 hours and several calls to customer service to have a rep look into why the software wasn't letting make the change. A rep finally claimed to have made the change for me and promised to report the issue to IT. The next time I tried to log on to my account, my password had been changed and the old phone numbers appeared on the reset screen, so I had no access to my account at all. I can't live with that level of incompetence and closed out the account.

D

don

2 years ago

It's a long story but the short of it…

It's a long story but the short of it is I applied for a secured credit card with Discover and was denied. I asked for my$500 security deposit back and it's been since May and they have not returned my deposit. I went to court in November to file a lawsuit. The judge ordered my $500 plus $50 a month penalty for not returning my deposit in a timely manner. From May to November... I'm still waiting for the money... next I will file a lawsuit for $50000..if I don't get the money the Court ordered ASAP...I WOULD NEVER DO BUSINESS WITH THEM AGAIN!!!

J

joann depierre

2 years ago

I think the customer service at…is great

I think the customer service at Discover is one of the best out there, they help you right away and I love how you actually speak to someone in the united states at least every time I have called and they even tell you what state you are reaching. Very friendly also I get tired of calling a credit card customer service and getting the Philippines or another country. Discover always has helped me right away with things.

R

robert chase

a year ago

Website's problems mostly fixed

Discover's website was issuing a security challenge requiring that I enter a code from a text or e-mail every single time I sign on -- it asked whether I was using using my own computer every single time, but it ignored the answer every single time. This is finally fixed and I'm mostly satisfied with the website, though at least one feature's still not working.

consumer-image

saber

2 years ago

Recommend to anyone

Discover has treated me very well over the couple of years that I have been with them. I have the Discover IT card, a savings, and a checking account with them. I have not run into a single problem. 5/5

consumer-image

brian kearnaghan

2 years ago

Very Unforgiving!

Most credit card companies will give you a 1 time exemption if you call in to let them know you accidentally didn't get the bill paid on time. I had a $29 balance and they added on a $29 late fee (very excessive for just 8 days late). They made me wait 45 minutes on the phone to speak with a representative. I can't do business with a card company like this. I cancelled my card and told the rep it was BS.

H

haniyyah harps

2 years ago

Closed account without notifying me

I found out from my credit report that discover closed my account without notifying me. When I first called it was due to inactivity of 6 months which is nuts. I called back to speak with the right department and they told me it was cause inactivity and my FICO score delinquency on a loan that I am disputing due to fraud. I have a lawyer which is why it is not being paid and suing. My credit limit was 9k and I needed this card for emergency but who are they to judge and assume without knowing anything about my Credit history. That is unprofessional and I do not recommend this card company and I didn’t even have a balance with them. I’m pissed off. The customer service rep was not helpful at all she didn’t even care. This is the worst card company I’ve ever experienced. I don’t even want to do business with them at this point.

consumer-image

susan

a year ago

I opened a account

I opened a account, with a deposit with Discover, now discover refuses to give my deposit back , I tried updating my bank info, the sites not working properly, now they are saying my payment credit card was late,, If discover, had their site working , my payment would not of been late " ....fix your site if you want on-time payments , never open a deposit credit card cause they refuse to give your deposit back " Shame on Discover " ...

B

bella noir

2 years ago

Idiot supervisor doesn’t know what an IT issues is

So, each time I have to call and verify my account, they never seem to have the correct phone number on file, even though I get text message alerts to my phone. I found out that the reason they can never verify my account is because they are using a third party system that pulls my information from my credit reports, which I never gave them permission to do. The phone numbers on my credit report are old. When they ask me for a new number, they somehow can’t update it to the number I call them from…. even though I get text alerts. None of the agents or the supervisors seem to want to listen to customers telling them that their system is flawed. I’m so over this company. They frustrate tf out of me

M

miyana chiodi

2 years ago

Wonderful company

The best and most nice customer service experience ever. Anytime I’ve gotten scammed they’ve helped me. I also know someone who works there and have only heard positive feedback from them related to the work environment and conditions.

R

ron

2 years ago

I get calls from 'Sarah at Discover'…

I get calls from 'Sarah at Discover' about my Discover Credit card on three different phone numbers with no ability to block on a daily basis sometimes more than once a day. I called Discover Card to see what they are doing about this since it is hurting their image and annoying customers. They are aware of this scam but are putting little effort to try to stop these calls in their name. I would think Discover Card being aware of this would put in an effort to stop these calls. They have vast resources to do this but Discover Card doesn't care. I am disgusted with Discover Card.

N

nathan engstrom

2 years ago

GOING OUT OF THEIR WAY

GOING OUT OF THEIR WAY: USPS will not deliver to my house because we currently don't have a mailbox. Discover CS was very prompt at responding to my chat, and they were able to get FedEx 2 day shipping free of charge for me! I am thrilled.

J

jim

2 years ago

KUDOS to Discover Card Services

Earlier today I posted a negative review of Spybriefing.com Discover was the card service mentioned. They sent a text alert regarding the attempted fraud. They turned off the affected card as soon as I verified that the order in question wasn't mine. They had a replacement card in my hand in just over 24 hours. And the new card number does not affect the age of my account with them. (If a new card number had reset the age of my account, it might have affected my credit score). Kudos to Discover Card!

consumer-image

matthew sutton

2 years ago

Discover has a seriously awesome call…

Discover has a seriously awesome call center / customer service agents. Every time I have an issue or question I've got a live human within a few seconds, they are knowledgeable and they give me actual information, not just repeating some script. In my book they have some of the highest level customer service of any company I've ever dealt with.

M

michael lelasher

2 years ago

After 6yrs they cancel my account for no reason

After 6yrs, 20k in available, with a credit score of 800, Discover said they sent me some IRS form (I never got) and decided to close my account. No phone call, no email, no letter, nothing. Out of the blue they decided to close it. What’s really going on is just the beginning. Wells Fargo just went through this exact same thing by canceling their consumer loan and credit line products. They are strapped for cash and need to strengthen their position by removing as much liability as they can off their books. If you have no balance, or a small balance, but a high available balance, beware! You will be next. This is only a small preview on what’s to come. More banks and lending institutions will be following suit.

1

2

3

...

20