Discover it® Cash Back

Background about my income and credit history: personal taxes last year was 400k. I have a score of 815+ across all 3. I've never paid a penny of credit card interest in my life. My personal credit card limits range from 30k to 100k. My business credit cards are all over 100k limits. Combined I have 350k in personal card limits. I applied for this card expecting a high limit. They gave me a 10k limit and asked for all types of security verification, documentation verification and made me fill out a 4506T form, threatening to close my account if I didn't send it within 10 days. I've never seen a company come across so demanding and confrontational to a new customer. I can only imagine how much worse it will get as time passes.Furthermore, they were not straightforward as to why I had to go through all these hoops. I have never seen any credit card company ask for a 4506 form for a credit card application. This isn't a refi or mortgage application. I'm not applying for a small business loan. I believe this credit card company is meant for lower earners with negative credit history. My mortgage and car payments are less than 8% of my income, yet they decided to assign a limit that an 18 year old kid working at Big 5 sporting goods could receive. If you have excellent credit, low monthly utilization and a great history of credit, I strongly recommend not applying for this card and looking at other cards available. I give this card a big ZERO out of 10 in terms of credit card limit, customer service and professionalism.

So this credit card has worked fantastically for me over the last year. I think it is a great, simple choice, for one card that does it all. 2% cash back for the first year is the benefit of this card. I never got much out of the rotating categories of 5%, it was the overall 2% that made it a good card. One important thing, everyone takes discover nowadays. I used this card for every possible purchase over the course of the year and I think maybe one time somebody didn't take it. Bottom line, don't worry about an "off card". The "spend analyzer" on the website is really good too. Discover gives you great charts and graphs on where you're spending, and how much. Very useful and better than any other bank's spend tracking. I give 4/5 stars because it isn't 2% forever. Now that is is just 1% (as my first year is up) I will most likely open a new card to regain my 2%. It would have also have been nice to have had a bonus available for spending a certain amount in the first three months or something. But again- Great card, never had an issue, simple websites and apps to use, easy to pay, can't say enough good things. I highly recommend, especially to a beginner like I was.

This was my first credit card. I got the secure credit version of this card when I turned 18 and after making payments on time they converted it to the Discover It card. I have since gotten another credit card which has only reinforced my desire for this card. The rewards are very good... 5% cash back on revolving categories, no foreign transaction fee, cashback match for your first year, no annual fee, etc. But the real contender with this card is their customer service. You can always pick up the phone and call the 1800 number, speaking to a real person located in the US in minutes. This is something that is hard to find with CC these days.

I had just about every credit card there was before the real estate market crashed in 2008. I had perfect credit. I was in real estate so I lost pretty much all my income and went through a divorce at the same time. I took out my entire 401K trying to pay my Bill's. Every other creditor worked with me. Discover took out a Judgment on my house for thousands more than I owed them so I couldn't refinance to lower my payments to be able to pay my other debts. I tried to call the law firm that handled it to settle it and they never called me back... when I called them back they had transferred it to another law firm that would never give me an answer to my settlement. American Express is the best credit card I've ever had. They were amazing when I had them and realized they had made plenty of money off me over the years and didn't hit me while I was down. I am still struggling to make my house payment because I can't refinance it and lower it because Discover card won't even call me back. They've already written it off. Do yourself a favor and dont get a Discover Card

I really love Discover, they are super great to work with and approved us for a large limit. Thank you Discover

I have had this card for 5 years now my interest rate has only gone up when so has my credit score, I call them about lowering my interest and they are willing to lower it to a measly 21.99% %2 lower than when i signed up 5 years ago with a much lower score and now i have 750 probably had a 500 something when i applied. I have paid them always on time and keep my balance low or pay it off that month. And none the less they raised my interest 1% this year already claiming it was the prime rate but can't even notify you when doing so. Horrible card company i will no longer do business with they don't care about the consumer only the moneys the shareholders will make.

After being overcharged $10 at a gas station I still was overcharged that $10 by discover buyer beware do not get card it is the principle of the whole situation I will be getting a hold of the State Attorney General's office and a personal attorney and suing them for lost wages for time lost all over $10 boo discover!

BEWARE I was told 1st $3000 each year (except the 5% class) pays .25% then the 1% others truely pay 1% or moreFidelity 2% everywherechase AARP 3% on some classes 1% restchase AMAZON 5% on amazon 1% restcurrent 'special' is SEARS CITI paying whopping 10% during promotional times in certain catagories

26 premium cards in my wallet. Multiple Amex, Capital One Quicksilver, Discover IT, BOA Cash, BOA Travel, Cash+, Double Cash, Freedom, Uber, etc.. a bunch of great cards. I say that to say this, out of all of those Discover IT is my best card. They simply have the most flexibility on how to use your credit line, the terms are always fair and affordable. Their customer service is literally the best in the game. I mean Amex is amazing too, but Discover is far and above the best in the game in treating their customers like ppl. They truly sound like they like what they do when you call in. I love my Discover IT more than any other card in my wallet. That's saying alot because I love them all..lol

I have 26 credit cards, all of them are the top tier cards. 3 Amex cards including a Premier Gold Charge card, Discover IT, Capital One Quicksilver, DoubleCash, Cash+, BOA Cash Rewards, Travel Rewards, Freedom, etc.. blah blah..most of the top cards I have them. I say that just so you get the picture that I have tried most of the top cards and still have them, but when I'm in a pinch and need a card issuer that's fair and always has my back, I use my Discover. They have so many different ways to use your credit line, and at fair prices, that I can't recommend anyone above them. Plus their customer service is at the top of the food chain. I handle my finances online, but when I've had to call in I always end up speaking to nice individuals who sound like they like their jobs. I LOVE DISCOVER more than all the other credit cards in my wallet. I love Amex too, but imho Discover is the best card in my wallet.