With Discover card services, you get the benefit of no annual fees on most cards, great low rates, rewards, and cash back bonuses. As a long established company, Discover has a history of working with their customers and providing a level of customer support that is hard to match. And I can personally attest to this as a card holder. They are always willing to work with you and will take the time to answer all your questions.
For personal credit cards, you can choose between the various cash back or miles options, depending on which type of rewards you prefer. Overall, they have really reasonable interest rates and don't charge an annual fee, expect on the Escape Card. Cashback rewards can be redeemed for gift cards, actual cash back (which can also be applied towards your balance), merchandise, and even charitable donations. Miles rewards can be redeemed for airline tickets and customers get bonus mile just for signing up.
They also offer credit cards for students. My youngest son just received his first Discover card, which is really a perk considering he is just starting college. His credit card has no annual fees and offers a cash back bonus. Best of all is the really reasonable interest rate, considering he is such a young borrower. The Discover student card is the perfect way for college students to establish their credit and learn financial responsibility (they start out with a low credit limit) as they get started on the road to independence.
At the other end of the spectrum are the Discover small business cards, perfect for the business man or woman who wants to earn cash back or miles on their business purchases. Again, there is no annual fee and the interest rates are very reasonable. They also offer tools to help you track and manage your expenses, as well as limit your employee spending limits through your online account. Plus, you can access these options with your mobile phone when you're out of the office. They also offer a lot of resources and articles on a variety of topics to help business make the most of their time and money.
To apply for a Discover card, you will need to have a good credit score (over 700), which they check even if you are a student. Once you're approved, Discover offers online access for all accounts. You can view your current balance, available credit, payment information, as well as having the option of paying your Discover bill online (so you don't have to worry about it being late). The also offer a pay-by-phone option at no extra cost. This is a great way to make sure your payment gets there before the due date if you don't have an online account.
Overall, Discover is a great card to have. You can click the following link to find out more about Discover card services!
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