Some local businesses and restaurants -- that is, those that aren't franchised or part of national brands -- won't accept Discover credit cards, mainly because the processing fees are slightly higher than Mastercard and Visa.
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. How do you know whether a merchant will accept your Discover Card or Discover student credit card? The best thing to do is to ask.
Discover is a bad credit card company for people who plan to travel abroad because Discover cards are accepted in fewer countries and territories than Visa and Mastercard. Some merchants also think Discover is a bad credit card company because it often charges high fees for card acceptance.
Your card may not get approval if you've reached your credit limit, or if you attempt a purchase that exceeds your available credit. A large purchase that doesn't fit your spending patterns may appear suspicious to your credit card company, so they may decline the transaction.
Common reasons applicants are denied credit cards include low credit scores, no credit history, inadequate ratio of income vs. expenses, and not meeting minimum age requirements. There are alternatives to standard credit cards to consider if you keep getting denied for credit cards.
If you don't activate a new card you receive, you typically won't be able to use it to make purchases or earn rewards for those purchases. A retailer may decline your payment if you use a card that isn't active. Though this may be inconvenient, it won't impact your credit score.
The cons of banking with Discover Bank include no physical branch presence, no specialty CDs, and no brokerage accounts.
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.
On February 19, Capital One announced it would acquire Discover in an all-stock transaction worth $35.3 billion. Both companies are among the largest credit card issuers in the country while Capital One is the ninth-largest bank in the United States.
Simply bring your contactless Discover debit card and cash to any Walmart and ask the Walmart cashier to add the cash directly to your Discover bank account.
Target stores
Third-party credit cards: Visa®, Mastercard®, Discover®/Novus®, American Express®, credit cards from foreign banks (JCB Japanese Credit Bureau), Diner's Club International, and FSA/HSA cards are redeemable for FSA/HSA eligible items. Debit/ATM and EBT cards: U.S.-issued debit/ATM cards.
Since Costco has an exclusive contract with Visa, shoppers can't use credit cards backed by the other three main networks — American Express, Mastercard and Discover — at Costco warehouses.
Merchants Pay More
It may come as no surprise that the reason many merchants opt-out of accepting Discover cards (and American Express, for that matter) is about the bottom line. The Discover card is also like American Express in that they both charge a bit more to store owners to accept their cards.
Yes, McDonald's does take credit cards. Customers can pay with Visa, Mastercard, American Express, and Discover credit cards issued by a U.S. Bank at McDonald's locations. Credit cards can also be used when ordering through the McDonald's mobile app, as well as third-party delivery apps.
We accept VISA, MasterCard, American Express, Discover, PayPal, The Home Depot® Consumer Credit Card, The Home Depot® Pro Xtra Credit Card, and the Home Depot Commercial Card.
While Discover acceptance is higher in the United States than you might think, with 99% of U.S. merchants accepting it, it's still not as prevalent in other countries. One notable U.S. merchant that doesn't accept Discover is Costco, who only accepts Visa branded cards.
Amazon cited Visa's “outstandingly bad” credit card fees as the motive behind dropping the scheme.
Kohls.com accepts a variety of online payment methods, including Kohl's Card and other major credit cards such as Discover, MasterCard, Visa and American Express. Only one credit card may be applied to each purchase.
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.
However, it also has disadvantages such as taking more time than direct teaching, requiring greater resources, and relying on students having sufficient prior skills and knowledge to learn effectively through discovery.
The reasons will be listed in the denial letter Discover sends out shortly after its decision. They may include an annual income below what's needed to make minimum monthly payments, a low credit score, too many recent credit inquiries or a high amount of debt, among others.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
Your credit card could be closed due to inactivity
That's partly because closing a credit card account can reduce your overall available credit, which increases your credit utilization ratio. Closing an older credit card may also hurt your score by reducing the average age of your accounts.