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Discover Card worth owning? Pros and Cons?

collarman 880 272 August 29, 2015 at 04:42 PM in Finance (5)
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Can anyone who owns a Discover card advise what are some of the pros and cons to owning this card? I have several other cards and each card has a purpose however, I see most on this site seem to LOVE discover cards. I'm more of an amex guy, but wanted to know people's take on it. Thanks!

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Quote from collarman View Post :
Can anyone who owns a Discover card advise what are some of the pros and cons to owning this card? I have several other cards and each card has a purpose however, I see most on this site seem to LOVE discover cards. I'm more of an amex guy, but wanted to know people's take on it. Thanks!

I have the Discover IT card and now just over a year. I thought it was going to be a mediocre card at best, but it is a definite MUST HAVE card in your collection.

I have had nothing but great experience with it and they have some awesome benefits! One I found out last holiday season, they will PM Black Friday sales!!! No hassles and great service.

They also have great promos and CB offers Like right now (Oct-Dec) they have Amazon at 5% CB, but they had a promo back in June to sign up for double cash back for a year! So anything I am buying from Amazon, I am getting 10% off! Their customer service has been excellent. They have no annual fee and might have a signup bonus as well, so check that. I think mine was spend $500 in 3 months get $100 statement credit.

I can't recommend Discover card more. Grab one NOW before the holidays set in and I think I read where new customers can get that double cash back deal as well (you can check with Discover direct and they will be happy to give you all the info).

I never would have thought I would be recommending such a card, but it is at the top of my CC list..and I have 16 CC's.

Hope this helps! Smilie
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#3
I'm a CC noob, but whether or not a particular CC is good for you depends entirely on yourself.

For a free card it's good. The CB bonus categories are good too. The BF Pricematching the other guy mentioned is really useful. I had one experience with CS and they gave me a $50 credit I think (see below), when really I had no right to the promo as it was

On the downside, I find their CB tracking awful - Chase Freedom, to compare, lists each purchase as it's registered and shows you the CB earned - while Discover gives you a report after the bill "xx earned from CB5%, xx earned from ShopDiscover" etc... and I have no idea if they're actually giving me what I earned (I messaged about it once, and because I returned some things it was just a horrid headache following their logic).

All in all, use it for the CB bonus categories. I think I've seen some CB redemption giftcards discounted too (eg $20 CB cash = $25 gc), for good stores, which is nice unless I'm mistaken.
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