Discover is accepted nationwide by 99% of the places that take credit cards. Get the facts–99% of merchants nationwide who take credit cards accept Discover.
To illustrate this, think about the disparity between the number of Discover cards and the number of Visa cards. Discover has one-seventh of the number of active cards as Visa. Because of this, many merchants determine that there's not enough of an incentive for their business to accept these cards.
Discover is accepted almost everywhere in the U.S., as the network has a 99% acceptance rate among all domestic businesses and e-commerce sites that take credit cards. Internationally, Discover's Global Network offers acceptance in nearly 200 countries and territories.
Common benefits include: No annual fee: Every tier of Discover credit card comes with no annual fee. First-year unlimited cash-back match: Discover will match all rewards earned in a cardholder's first 12 billing cycles. $0 fraud liability: Discover guarantees cardholders are not responsible for unauthorized purchases.
Our Verdict. The Discover it® Cash Back credit card is a good (but not great) cash-back card. Its customer service and first-year cash-back match stand out as its best features. The capped, rotating cash-back categories of its bonus rewards, however, make it a second-tier rewards card.
Discovery learning can be time-consuming. Students learn at different paces, and professors have limited time to address certain learning objectives.
There are many reasons why your credit card may be declined. Some reasons a credit card issuer may decline transactions are that they go over your credit limit, or the purchase is in a location where you don't normally shop.
While all Discover cards are pretty good, there are some downsides. In 2018, Discover cut several key benefits from all of its cards. Those include travel accident insurance, purchase protection, extended warranties and return protection.
One major national chain outlet that doesn't accept Discover at any outlets is Costco, which only honors one credit card brand at its members-only warehouse stores, tire centers and gas stations. In 2016, Costco ended a 16-year partnership with American Express, and it currently accepts only Visa cards.
Discover is accepted nationwide by 99% of the places that take credit cards. So you'll earn cash back on gas station purchases, restaurant purchases and everyday purchases, nearly everywhere you shop.
While Discover cards offer basic benefits such as free access to your FICO credit score and zero fraud liability, Visa cards have more to offer, especially for travel purchases. There are three different levels of Visa card benefits (Visa Traditional, Visa Signature and Visa Infinite).
For this card, you generally need a good to excellent credit score to qualify. According to FICO, a 'good' credit score is a score between 670 and 739.
Credit & Debit Charges
You can register Visa, MasterCard, American Express and Discover cards in the app. Payment cards registered must be issued by a U.S. bank.
Amazon Pay accepts credit and debit cards. Credit cards currently accepted include Visa, Mastercard, Discover, American Express, Diners Club, and JCB. The Amazon.com store card is available for use with selected merchants. In some circumstances, you might be limited to using Visa and Mastercard credit cards.
Discover is a direct-to-consumer issuer, meaning that it doesn't partner with banks that help promote and distribute its products. There's about one-seventh the number of Discover cards as Visa cards, so merchants may not have as much of an incentive to accept them.
There are many reasons why businesses don't accept Discover cards. Some of the most common ones include high fees and rates, as well as problems with customer service when it comes time to make purchases or withdrawals from your account balance online (you're probably better off going in person).
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
Canceling a credit card can affect your credit score by lowering your total amount of available credit, impacting your credit utilization ratio, and decreasing the average age of your accounts.
You can request a credit limit increase on your Discover Card by logging into the Discover Account Center, selecting “Card Services” and then “Credit Line Increase.” Or on your Discover Mobile app, select “Services” and then “Credit Line Increase.”
Overall, it's probably best to have a Mastercard in your pocket, especially if you're going to be traveling abroad frequently. But if you only plan to use your card within the U.S., a Discover card will work just fine, as it benefits from 99% nationwide acceptance.
The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).
Insufficient income
Discover uses your income to determine if it will approve you for a card and, if so, what your credit limit will be. What's especially important is your income compared to the credit you already have. If you make $45,000 per year, that would typically get you approved for a credit card.