Does Discover Credit Card Have the Highest Customer Satisfaction?

Discover is a globally recognized credit card company. Discover offers a number of different cards for different lifestyles, but what do current cardholders have to say about their experience? Does Discover credit card have the highest customer satisfaction rating? For more information on how Discover ranks, you can contact customer support here. Also, keep reading for more information on what customers listed as the pros and cons of owning a Discover credit card.

How Discover Measures Up

Discover ranked 2nd in overall customer satisfaction in the 2021 JD Power customer satisfaction study. Overall, it received a total of 837 points, placing it just under American Express by one point. Credit cards are rated on the following criteria:

1. Benefits and Services
2. Communication
3. Credit card terms
4. Interactions
5. Key Moments
6. Rewards

What Customers Love About Discover Credit Cards

Discover is one of the largest credit card issuers in the world with outstanding features, such as:

1. Customers like the various options Discover credit cards offer. Discover has eight different cards from which to choose. These cards are:
   • Cash Back Credit Card
   • Student Cash Back Credit Card
   • Secured Credit Card
   • Student Chrome Credit Card
   • Travel Credit Card
   • Gas & Restaurant Credit Card
   • NHL Credit Card
   • Business Credit Card
2. Discover cards carry no annual fees and Discover does not charge foreign transaction fees.
3. Discover will waive the late fee for the first missed payment.
4. Discover promises a cash back match in the first year of the account at the end of the year. Customers love getting paid back simply for using their Discover credit cards.
5. Discover has several cards that have 0% introductory APR for those with a qualifying credit score.
6. Customers have reported Discover has one of the best rewards programs compared to other credit card issuers.
7. Customers love the free FICO score with each monthly statement. This allows them to track their credit score on a regular basis and make adjustments when necessary.
8. Cash back doesn't expire, so once it is earned, you don't lose it.

What Customers Reported They Didn't Like

While Discover has many features customers love, there are a few cons:

1. Cash back bonuses with the Discover card can be limited to a certain spending amount per quarter after the introductory offers expire. Usually the limit is 5% of $1500 per quarter, giving Discover card holders less rewards.
2. Each quarter customers must activate or reactivate bonus categories to ensure they are getting all the rewards to which they are entitled.
3. While Discover is accepted in most places, it is still not accepted in as many places as Visa or Mastercard. This is because Discover issues its cards directly, while the other major brands issue cards through various banks and credit unions.

Bottom Line

The bottom line is that Discover has a high customer service satisfaction rating. While it ranked second to American Express, the differences were miniscule at best making Discover highly competitive when it comes to customer satisfaction. For more information, contact Discover customer support here.