As a customer of Discover Card for more than 30 years, I can honestly say that this bank has treated me better than any other bank. Financially, I’m in great shape now and I don’t need much help. But when times were tough, I was always able to call up Discover and they worked with me to get through the rough time. Once or twice a year I notice credit line increases, which tells me that someone is paying attention and silently saying “Thanks for being a customer. We like you and trust you. Here’s some more money, go have some fun.” It’s my lowest interest rate credit card, so I’m not really worried if I can’t pay it off in a particular month and need to pay a little interest on the next statement. They don’t crush me with ridiculous interest. The rewards are excellent. I save the reward money for the end of the year, and it literally pays for Christmas. And every now and then I’ll take a personal loan to cover a big expense, which is an effortless experience and is nicely managed in the app. Thank you Discover for being a great bank and helping me fund my life over the years. Keep up the great work.

Unlike so many reviews here, this is an actual review of the app, not Discover’s bank cards… Been using the Discover app on iPhone and iPad for several years and been very satisfied with it. However, in January of this year (2024), the app started displaying only the last 3 weeks of transactions. Even when applying the handy date filters provided, it’s a no go. Not only that, but the drop-downs that allow you to select specific dates are utterly cryptic — they only display 2 columns heading with periodic headers of “S” and “M” followed by random numbers — what does even mean? This lack of date functionality makes it absolutely useless for tracking down any transaction that occurred more than 3 weeks ago. Want to see if a check you wrote a couple of months ago has cleared? Forget it — unless it cleared in the last 3 weeks, the app won’t display it. Set the date filter to show you the last 3 months of transactions? Nope, you only get 3 weeks’ worth. The website works, so I’ve been using that instead, but I really miss the app. I sent in a detailed explanation of the problem to customer service in January. Rec’d a thank you, and that’s it. App is still broken. I’ll update this comment if they ever fix it. In the meantime, forget this app if you have a need to see more than a 3-week timeline of what’s going on with your money. Very disappointed in both the app and the lack of attention or response from Discover’s developers.

Last two times I went to make a payment, I specifically changed it from the default bank to my work provided bank account. Despite this, it’s taking the money from my default account that is hardly used and doesn’t have the funds to cover. While I’m not sure if this is the company or apps fault, they refuse to fix or change anything, and when trying to use the live chat, it keeps exited me out of the app and even deleted my chat history. Good thing I got screenshots. Then it started me back at the beginning of talking to the virtual assistant, and I lost what little progress I had made talking to the first agent I had before the app closed out on me. I have been charged $70 in overdraft fees from them taking money from the wrong account that I explicitly told them not to do again the first time this happened. Since you’re downloading this app, it’s too late to warn you about the horrible customer service and not choose this credit card, but be prepared to have no solution to your problem after over an hour of trying to deal with representatives through this app. I will be paying off my card by transferring money through my work account to my default account, which I shouldn’t have to do since I paid them just fine in the past, and then closing my account with this horrid company.

I love Discover so much that I need this credit card. After one year of having one Discover credit card, I got me another one. So now I have two of them, and I love both of them. I’ve had my first Discover card for almost two years, and I couldn’t be happier. I spend the heck out of my credit cards, but I always make my payments on time each month. If you do what you’re supposed to do, and use your credit card, and pay at least the minimum balances on your credit card, then you will be just fine. Of course it’s always better to pay more than your minimum balance if you can. You will save money, and it will look good on you. I’m always making extra payments to my credit cards when I can. When it’s time, and you deserve it, they will give you a credit line increase, and they are very fair. Out of all the credit cards I’ve had, Discover card is my favorite. They are the most fairest, and have the best perks of any credit card in my opinion. I’m going to use Discover credit cards for the rest of my life. I hope they never go away.