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Discover it® card Review

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The Discover it® card makes a habit of saying no. No annual fee, no late fee on your first late payment, and no APR hike for paying late. Discover®’s latest incarnation of cash back cards aims to simplify the relationship between cardholder and card issuer into one of easy cooperation.

Discover it® Card maintains 5 percent cash back on featured categories that change each quarter, subject to spend cap and provided you remember to sign up at the start of each promotional period. However, your other purchases earn a consistent 1 percent cash back with no required spending threshold. Real rebate hackers may find better percentages with some of Discover it®’s competitors, but the consistency makes tracking rewards very easy.

An initial experience informed by high-tech unboxing

Speaking about the new Discover it® card with company spokeswoman Laura Gingiss, I learned that the team behind this new account wanted to bring back some of the glamour and excitement around getting a new credit card. That’s why the Discover it® card arrives at your home with some of the trappings usually reserved for a bank’s most elite cardholders.

Your card arrives inside a rectangular box, decked out in faux brushed metal. Inside, you’ll find a silver card of significantly better build quality than the typical bank card. If it feels like what happens when you open a product from Apple or Bose, that’s by design. Discover® wants you to feel good about using this card, and that emotional connection starts with this premium experience.

Service and support from real, live people

Discover® emphasizes that you’ll have access to a live human being inside the United States when you call for support. It’s a standout feature in an environment when many other banks have resorted to offshore service centers and automated attendants. It’s an expensive move, but immediate assistance from Discover®’s award-winning service and fraud resolution teams can win your loyalty for life.

Their Freeze It℠ on/off switch prevents new purchases, cash advances and balance transfers in seconds. You’re never responsible for unauthorized purchases on your Discover card, and they give you your FICO® credit score for free on your statements and online.

Building brand loyalists, one silver box at a time

Having expanded into student loans and personal mortgages, Discover hopes that your positive perception of their brand will translate into more business. Even the act of making a credit card you want to use can inspire you to ask more retailers to accept your Discover it® card. The Discover® team has produced an account that restores the dignity — and a lot of fun — to carrying a credit card.

Discover® also offers other variations of this card that may better suit your needs. Be sure to read these additional reviews:

Discover it® 18-Month Balance Transfer Offer

Discover it®The Discover it®’s card arrived on the market with heavy fanfare, including lots of television ads and billboards touting personal service and a new rebate structure that frees customers from most cash-back traps. Discover®’s 18-month introductory balance transfer deal hits a sweet spot if you’re among the millions of Americans trying to shed an “average” credit card balance. Plus, you get your FICO® Credit Score online and on your monthly statement for free.

Discover it® for Students

Discover it® for StudentsDiscover® has made strong inroads into student borrowing over the past few years. Discover it® for Students represents the bank’s latest foray onto college campuses, with pricing and features that resemble full-featured credit cards more than the typical, watered-down student accounts on the market.

Updated September 8, 2016 and originally published March 1, 2013. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @ConsumerismComm on Twitter and visit our Facebook page for more updates.

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About the author

Joe Taylor Jr. has covered personal finance and business for over two decades, and has written and researched for personal finance websites for over five years. His work has been featured on NPR, CNBC, Financial Times Television, Fox Business, and ABC News. Joe also serves as a business sales manager for a Fortune 500 technology company. View all articles by .

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