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Discover® Credit Card Offers |
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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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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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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 12 months*
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11.99% - 20.99% (Variable)* |
None |
Excellent |
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- 12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don’t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months then the regular APR
- No Annual Fee, No Overlimit Fee, No Redemption Fee
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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% (Variable)* |
None |
Good |
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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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 15 Months*
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11.99% - 20.99% (Variable)* |
None |
Excellent |
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- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
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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 12 Months*
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11.99% - 20.99% (Variable)* |
None |
Good |
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- 25,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months
- 2 Miles per $1 on all purchases
- No limit on the Miles you earn and Miles don’t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months then the regular APR
- Industry Leading Customer Service
- Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance
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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% (Variable)* |
$60* |
Excellent |
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Why Discover® is The Best Credit Card Company
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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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