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Discover Reviews

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About Discover

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Discover creates a variety of credit card products aimed at consumers seeking rewards and cash-back options. Discover cards include features like zero annual fees, fraud protection and customer support.

Pros
  • High-quality fraud protection
  • User-friendly app features
  • Cash-back rewards
Cons
  • High interest rates
  • Poor handling of disputes
  • Frequent policy changes

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Discover Reviews

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    How do I know I can trust these reviews about Discover Card?
    • 4,885,617 reviews on ConsumerAffairs are verified.
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    Page 1 Reviews 0 - 10
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    Staff

    Reviewed May 18, 2026

    Terrible company whose buggy website made me waste all my cashback. Should have stuck to points cards and not given them my business. Will be cancelling. They don't value their customers and will do nothing to help you if there's a problem. Give your money to better companies.

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    Sales & MarketingPricePunctuality & SpeedRefunds & Payouts

    Reviewed May 14, 2026

    This CC company is horrible! If you get scammed by a company they will allow it with zero proof. Avis car rental charged my card 344.00 saying I damaged the car and Discover sided with Avis. I don’t trust this CC company to charge anything anymore period! When I turned in the car it was inspected and I was given my deposit back then about a month later I got charged for bogus damages! I was in disbelief that discover sided with this type of fraud!

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      Customer ServiceStaff

      Reviewed May 13, 2026

      I am writing concerning a complaint about one of your customer representatives, CLAUDIA. I called 5/13/26@ 9:15 am. I have been a member for years and love Discover and have ALWAYS had wonderful service except for today. CLAUDIA was very SHORT, RUDE and very unprofessional. It is evident she does not like her job!!!!! She got VERY IRRITATED when I asked a few questions. These type of incidences with reps are what drive customers away!!!!!

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      Customer ServiceRefunds & PayoutsBillingRates

      Reviewed May 9, 2026

      Just minutes ago at circa 10: 15 A.M. PST I phoned 800 347-2683. The purpose? To obtain a Re: Re: Aiming to obtain easily money from one's extant cash back balance. Today, 5-9-26, I phoned customer service and first I asked that a check in that amount be posted to me (at my mailing address of record). After being put on hold for several minutes, I was told Discover "no longer does that." Even though previously when I had a Capital One (which bought Discover earlier) credit card account I was mailed a check for cash back monies owed to me.

      Second, I then requested that the sum in question be deposited /wired to my U.S. Bank checking account, the same account I've repeatedly and solely used to send payment due checks to Discover. No, I was told. Instead, first I'd have to set up an online Discover account. Something I've never been interested in doing, for multiple reasons. Which is why, and despite Discover's now prior multiple email attempts to prod me to open such an online account, and, e.g., thereafter obtain online statements, make payments online, etc., nonetheless I've persisted to conduct all such business by mail. So again, no thanks.

      Third, I then asked about being mailed a cash card for the above cited cash back award amount , which of course, e.g., can be used to make purchases at the grocery store. No again, I was told. Instead the only option is to request a gift card, e.g., for some restaurant. A resolute no thanks again. Great customer service by Discover-NOT! Clearly, Discover, by its notably unaccommodating posture, does not want me to remain an account holder. So be it.

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      Customer ServiceBillingRatesTransparency

      Reviewed May 9, 2026

      I fell behind on my payments and discover offered me three options to get my payments back on track, but if none of them worked for me, they gave me the option to reach out to customer service via messaging to see what other options they had. I unfortunately was connected to Robert, who never offered me any payment plans.

      He told me there was none available, even though I literally saw three of them before I connected to the chat. Then, he was more concerned with updating my contact information than making an unhappy customer happy again after his interaction or addressing my comment about how he was unhelpful by denying me a payment plan that I knew was available to me. Then, he updated my contact information even though I told him he didn't have the correct one. The money they make off of the interest of my credit card, I should at least get subpar customer service, not trash.

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      Customer ServiceRefunds & Payouts

      Reviewed May 9, 2026

      Made a large purchase for haircare services. The merchant absolutely destroyed my hair and refused to refund me and I couldn't even rely on Discover to support me. Never making important/large spends on my Discover ever again and considering closing the account just because of the terrible customer service.

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      Customer ServicePrice

      Reviewed May 8, 2026

      Terrible customer service. There was fraudulent activity on my card and Discover denied my dispute. The activity took place over too long of a period for them to say it was fraud even though the charges weren't authorized.

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      Sales & MarketingRefunds & PayoutsStaff

      Reviewed May 5, 2026

      For disputes, they favor in side with the merchant and not their loyal customer. They told me that as long as the company has a “no refund” policy, they can’t do anything to help me with a dispute because they have to follow the merchant's policy. Even if the product is not what I ordered and they scammed me out of money. So much for them protecting me against scams. I will never use Discover again and I just lost out on a lot of money because of their lack of customer protection.

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      Staff

      Reviewed May 4, 2026

      Do not ever get injured or have part of your foot amputated to where you can’t work. Discover will still try to screw you and they have no care in the world at all that you’re injured or hurt. All they care about is their money so I would suggest never getting a Discover card..

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      Sales & MarketingPricePunctuality & SpeedRefunds & PayoutsBilling

      Reviewed April 25, 2026

      I just signed up for the Discover card 4 months ago. The billing cycle is exhausting. The billing statement and the payment date are 4 weeks apart. So I pay my bill and get another bill 3 days later! This results in always having a full month of charges on my card balance at all times. That results in basically having half of my credit limit always used. I cannot pay the full account balance with auto pay and I cannot pay the Statement balance the day of the statement.

      The only reason I can imagine why Discover would want that is to ensure there is always a hefty balance if something didn't get paid correctly, or to post charges a month later than usual to reduce refund obligations because they were submitted too late. Just to give an example. I had $2k in charges. Paid my statement in full, and had $1k in charges still on my balance. I feel I am dealing with scam artists. Going back to my old card and looking for another new one. Never had trouble paying a card to $0 before. Why would they want to keep that on the books?

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      Discover Card author review by Danni White

      Discover is a leading direct bank and electronic payment services company. It’s one of the most trusted financial institutions in the country, and it has been operating since 1986, which is when it introduced the first cash rewards credit card. It provides international credit solutions and acquires 5,000 new customers every day.

      • Cash back: The Discover It Card offers great cash-back rewards, including 5 percent cash back in rotating categories and 1 percent cash back on everything else.

      • Financial Education Center: Excellent online resource for those who need to learn about money management and how to stay out of debt.

      • Account freeze: If a card is lost or stolen, it's easy to freeze it by using the online app or by using their mobile app.

      • Free FICO credit score: Discover provides a free online FICO credit score for consumers who have an account.

      • Reputation: Discover has a great reputation as one of the largest lending institutions in the country. The company also has a wonderful reputation for customer service.

      • Convenience: The website makes it easy to apply for an account and set up payments.

      by Danni White ConsumerAffairs Research Team

      As a member of the ConsumerAffairs research team, Danni White is committed to providing valuable resources designed to help consumers make informed purchase decisions. Danni specializes in content strategy and development, with over a decade of professional writing and research experience.

      Discover Company Information

      Company Name:
      Discover Card
      Year Founded:
      1986
      Address:
      502 E. Market Street
      City:
      Greenwood
      State/Province:
      DE
      Postal Code:
      19950
      Country:
      United States
      Website:
      www.discover.com