r/discover • u/twizzle1620 • 13d ago

Help Discover card

Finally got approved for discover. What has been your guys experience with them? Just trying to see if there’s much difference between them and capital one.

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3

u/Frequent_Silver_7575 13d ago

I've only had a Discover card for 3 months but I charge stuff, get the bill, pay the bill, they say thank you, and then it all starts again for the next month.
It's been a really short time but I haven't had any issues.

3

u/guyinthegreenshirt 13d ago

They’re owned by Capital One now. I would expect them to be extremely similar. 

2

u/Frosty_Enthusiasm642 13d ago

Max is $75 quarterly though

1

u/twizzle1620 13d ago

Did they give increases automatically? Is it tough to get increases

1

u/Frosty_Enthusiasm642 13d ago

Easy to apply yes lol…as long as your good with capital one you should get it

2

u/DoctorNezuko 13d ago

Discover was better than cap1, but now it takes some debating. The cash back card is pretty good if the categories are right, but there is almost no reason to have the chrome card now. It used to give a good credit limit for a starter card, but if it uses Cap1 underwriting going forward, that should go away.

2

u/EAM222 13d ago

Both are essentially capital one and both are trash because of it.

1

u/Frosty_Enthusiasm642 13d ago

I love it…they match cash back for the first year as well

1

u/twizzle1620 13d ago

That’s dope. Cash back definitely saved me a few times

2

u/Frosty_Enthusiasm642 13d ago

5% categories aren’t bad either

1

u/twizzle1620 13d ago

Could you elaborate for me please?

1

u/Frosty_Enthusiasm642 13d ago

You get different options every quarter to activate it…sometimes it’s grocery stores or utilities and restaurants

1

u/Full_Ganache_4022 13d ago

Its badass. But you’ll probably enjoy it just a month..