Overall good, but be careful if value protection from unscrupulous merchants
I haven’t read the other reviews but I imagine the positive ones mention many of the good things about the card - the US based CS that answers the phone quickly, the nice cashback and Discover Deals portal, plus good redemption options, etc. I do agree with all this. But I learned the hard way that apparently, for whatever reason, Discover is not up to par when it comes to disputes. I placed a number of orders through a large online PC retailer. Most of these were paid with my Discover IT, but I also used other cards including Amex, Capital One, and even TD Bank. In short, on each order the company failed to deliver an item that was promised by them at purchase, and their CS was rude and unhelpful. When viewing invoices of my purchases, these undelivered items did not appear, however I had made screen clips in Evernote of the checkout process when placing orders, so I did have proof. With that, I carefully filed partial disputes for each transaction in the amount of the missing item. Ultimately, despite submitting all my evidence to Discover’s dispute department, they ruled in favor of the company. Meanwhile Amex, Capital One, and TD all considered both sides and found in my favor. The failure of Discover to protect me as a cardholder in this instance cost me around $2,000 or so, which pretty much offset their admittedly generous offer of doubling my cash back for the first year, I guess. But because of this experience I’d never use Discover for a purchase I was the least bit nervous about. This was the first time I’d ever needed to dispute a charge, but I always felt good knowing someone would have my back if something went wrong, but did not realize how dependent the level of protection is on the bank itself.