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Discover® credit cards consistently rank second in J.D. Power's annual credit card satisfaction survey, but in many ways, Discover® is the best credit card company (American Express®, which usually ranks first, focuses more on charge cards than credit cards.) During 2009, when most credit card companies were doubling interest rates and slashing credit limits, Discover® did not partake. They treated their customers humanely.This emphasis on customer care is a key reason Discover® has been ranked #1 in customer loyalty by the Brand Keys Customer Loyalty Engagement Index for the past 10 years.
Currently, Discover® credit cards offer extremely competitive low long term interest rates, 0% introductory rates on purchases and balance transfers that last up to 1 year, plus one of the best cash back rewards programs on the market. Below you can compare current Discover® credit card offers and apply online for approval via SSL encrypted, secure applications hosted on their website.
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Apply Now
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- Receive a $150 Restaurant.com Gift Certificate with first purchase
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 2% automatically at any gas station and any restaurant all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 12 Months*
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0%*
for 12 Months*
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10.99% - 20.99% (Variable)* |
None |
Good |
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Apply Now
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- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 12 Months*
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0%
for 12 Months*
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10.99% - 19.99% (Variable)* |
None |
Good |
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Apply Now
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- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 15 Months*
|
0%*
for 15 Months*
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10.99% - 20.99% (Variable)* |
None |
Excellent |
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Apply Now
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- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 6 months*
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0%*
for 18 months*
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10.99%-20.99% (Variable)* |
None |
Excellent |
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Apply Now
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- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 6 Months*
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0%*
for 6 Months*
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10.99%-16.99% (Variable)* |
None |
Good |
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Apply Now
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- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 6 months*
|
0%*
for 6 months*
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10.99%-16.99% (Variable)* |
$60* |
Excellent |
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Apply Now
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- Earn Cashback Bonus® for your good credit management
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 15 Months*
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0%*
for 15 Months*
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10.99% - 20.99% (Variable)* |
None |
Good |
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There are a number of ways to argue that Discover® is the best credit card company. The easiest is to cite the fact that they have ranked second on J.D. Power's annual customer satisfaction survey for over four years and first in customer loyalty by the Brand Keys Customer Loyalty Engagement Index for the past 10 years. These are important consumer studies and Discover® is a perennial favorite. However, my position that Discover® is the best credit card company is based on the six years I have spent in the credit card industry.
During this time, close to a million people have visited my websites and more than twenty thousand people have left with Discover® credit cards. Of those people, I can use one hand and a few extra fingers to count the complaints. Such is not the case with any other credit card company.
In 2009, as the CARD Act was making its way into law, I received thousands of consumer complaints about just about every credit card company. Some of the biggest issuers of Visa and MasterCard offers logged hundreds of complaints. Discover® customers shared 4 complaints, none of which were serious. Because Discover® was the only credit card company that treated its customers well in the months leading up to the implementation of the CARD Act, I firmly believe they deserve praise for being a fair, ethical credit card company. And since the words fair and ethical are not commonly used to describe credit card companies, this is why I consider Discover® to be the best credit card company. |
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