Its a good app, just wish it was a bit faster on log in, and biometric authentication. Also, I'm a new member and I do see that my first month statement is available but when I click on the statement, the app force closes. (Not that big of an issue due to the fact that my account has only been open for only a few days and there probably wasn't actually an available statement yet.) Great app though!
A Google user
Best credit card for tracking expenses. Spend Analyzer is the industry best. You can easily track 4 years of expenses by expense period, by category and by merchant, making searches easier than any of my other credit cards. Also, the 5% rewards becomes 6% and the 1% rewards becomes 1.2% by using rewards to buy gift cards for your favorite stores. Examples: I use $20 rewards to buy $25 gift cards at American Eagle, Bed Bath & Beyond, and elsewhere.
A Google user
Discover is a great bank. I always had good experience with customer service, no hassle! but the app needs lots of work, it doesn't update the transaction on time. That said, when i use my Discover debit card at gas stations most can't read the card as a debit card even though i put my pin it reads it like a credit card so it charges a $1 dollar and takes 3 to 5 days for the money to be deducted. So I'm getting charged ever time i use it as if it was my first time at the same gas stations.
Joseph Caccavale
Easy to utilize, always accessible. Efficient, just how I like it. Edit: Hope yall see this cause I had no other way of reaching yall. I had a 1K credit balance, and couldn't buy a gift for my bois 21st. They bumped up my credit limit real quick and I was able to get what I wanted for him. Thank yall, you helped me a ton and I've already paid off the amount spent, so I'm trustworthy but broke lol
A Google user
Process for the loan application was very easy to follow and when I had to move away from the app process they noticed and secured my info and timed me out to protect my security. I have to call in to finish my application because of the time out, but that won't be until tomorrow morning. That will a true test of the 5 star rating I feel they deserve up to this point. The interest rates are a bit high unless you have A-1 credit, but still lower than some credit cards and other loan agencies.
A Google user
Overall, it's a great app. I can check my credit card balance, make payments, and see how much cash back I have. The only reason I gave it 4 stars was because the tagging feature to organize types of payments does not work well. You can't tag pending purchases. You can only tag purchases that have gone through. Also, I think there should be a better way to get to the tags. Right now to get to tags you have to go to more>highlighted features>swipe a few times.
Erin Butler
Great service all around good card to have for everyday life and to manage a budget well. Depending on your score and avaliable line of credit you can really do just about anything with this card. We used to no end this month utilities family outings and running around. Stops at stores before work and only ran up about 28% of out limit and because we didn't use our bank account were able to pay it off. I don't recommend using it this way we were just pushing it at a time we were comfortable.
The Matrix
Can be very difficult to review your statement on mobile phone. Statement is set up in 30 day blocks. If you pay at different times other than suggested, this makes your statement very confusing. The older format was better. It was easier to add up your purchases to check your balance. I use the card less because of this confusion. Although, I do love there Fraud Protection, they have caught it nearly every time someone has tried to scam my card.
Katherine Berch
I lost my wallet at the mall a month ago- it showed up at security within a few hours, with nothing missing... Or so I thought. Someone had made copies of all my cards, and until they tried to make a bunch of 300-500$ purchases last week, I had no idea. I am SO thankful and impressed with Discover's Fraud Team and Algorithm!!! Not only did they catch and decline all those purchases, they also caught and stopped merchant verification from a number of places throughout the last two weeks!! 🥹🥰🫂
Timur Khabibullin
Trash app. Every Sunday it doesn't work especially in the night. Very often my money is not available at all that means it declines all transactions. I have a debit card and I can't use my own money. Many bugs in the app. If you transfer money from another bank, the Discover bank is going to use it for a long time before you'll see it on your account. Example: they received money transfer in May 21, and it'll be only available in the next month. Super bad app and terrible bank.
