Iroquois wrote:I agree, "to each their own".
But, Discover gets a very warranted "rap" if they are non competitive. They either are or they aren't at any point in time.
I agree that their program may need a "face lift" soon. With the Chase Freedom mirroring their rewards program (5% on rotating categories per quarter when you sign up). Discover may want to think about either:
a. Increasing their spending cap per category (Discover ranges from $300 to $800 - Chase is $1500)
b. Reducing their $3000 tier to reach 1% on everything. (Chase Freedom has $0)
However, I still would not count Discover out. Some people may have had bad experiences with their customer service. However, there are plenty that have had nothing but smooth sailing (I am one of them). I am no fan of most of the bigger banks in the US (Citi, Chase, Wells Fargo, BoA). I have dealt with many of them for different items in the past. Dealing with Discover's customer service is like a mini vacation compared to some of these other places. Discover has always been responsive, respectful, and reasonable when I contact them. If your experence differs then you by all means "vote with your wallet" and choose not to use the card.
I am actually placing my Discover in the safe for a while and breaking out the Freedom. With the changes to the rewards program (thanks to this site for posting a new review) it is worth the switch.