Discover Card

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Discover Card Review, Exchange Rates, Fees Calculator & User Score

  • Fees and costs: Very Good
  • Safety and reliability: Very Good
  • Customer satisfaction: Good


  • No charges for the card
  • No fees for international payments


  • Limited for US customers

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What is Discover Card?

Discover is a US-based card issuer, which also offer other financial and banking services. The company became popular on the market because they didn’t charge an annual fee for their cards and offered higher credit limits. With nearly 44 million cardholders, Discover is the fourth-largest credit card brand in the United States, among companies such as Visa, MasterCard, and American Express.

How Does Discover Card Work?

There are multiple different credit cards to choose from. You can apply for reward and cashback cards to earn with each purchase or choose a special travel card if you frequently pay abroad. There is also a dedicated card offer for students, which has an APR of 0% in the first months. One of the interesting features is that none of the cards have annual fees, so it’s free to maintain the card. You can also use your Discover credit card to make international payments.

Discover Card Fees and Costs

The leading “Discover it” credit cards are free of charge and don’t have any monthly or annual fees. There is a fee of 5% for balance transfers. With the “Cash Back” card, you can get up to 5% for each purchase. There is also a travel card, which earns you special reward points, which can be exchanged for travel-related services such as hotels or flight tickets.

Penalties for late payments can reach up to $39.

You can look for the latest discounts and promo offers available on their website, because for new customers there are periods of a few months with APR set at 0%. Later, the APR is at around 14.24% to 25.24%.

When it comes to Discover card fees for international payments, it’s in all cases 0%. You won’t be charged extra for making payments with your card abroad. There is an additional fee of $10 or 5% for higher amounts for withdrawing from foreign ATMs.

Discover Card Limits

The usual credit limit most of the customers get is $3,000, while the lowest seems to be at $300. You shouldn’t expect to get more than $20,000. Discover takes into consideration your previous credit history, personal income, and monthly expenses.

Discover Card compared to other credit and debit cards

Discover is one of the major card providers. Therefore, you may expect better rates and prices than the offers from other banks. However, their cards aren’t as popular as Visa or Mastercard. Therefore, they may not be accepted at some ATMs in Europe, as Discover is mostly US-based company. Their card offer is well-balanced, and you can find cashback cards, as well as travel cards suited for frequent international payments.

How to use Discover Card?

You can use Discover for domestic US payments, but also international payments. You can use Discover card in Europe, but you may withdraw the cash only from supported ATMs. The international fees for Discover card vary based on your card type. The “Discover it® Miles - Travel Credit Card” is best suited for overseas payments in different currencies.

How to sign up for the card?

You can easily apply for your credit card online on Discover website. Fill out your personal information and pick up a card design. The company will also ask you about your annual income and monthly expenses such as rent and so on.

Is Discover Card safe and reliable?

The company is one of the major card providers and is widely used across America. It’s worth noting that they monitor your card activity and will let you know if there are any suspicious transactions. Moreover, you are not responsible for any unauthorized payments made with your card. So you don’t have to worry about your money if your card gets stolen or lost.

Final Thoughts

Discover Card Review

When it comes to the overall costs of Discover Credit Cards, they are very good compared to other mainstream banks. As an advantage acts the fact that Discover does not charge any additional fees for international payments, and you can easily use the card and make transactions and purchases abroad. Moreover, there are no annual charges for the card. The information and product offers are transparently provided on the website, and it’s easy to research the fees.

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