Our History

From a credit card pioneer to a leading direct bank.

The success behind what makes us one of the nation's leading direct banks today is the same as what made us a pioneer in 1986 when we launched the Discover card: a focus on the customer and a commitment to be different, to be better and to offer the best service in the business.

Putting customers first is in our DNA.

Discover brought innovation and change to the credit card industry - change that focused on features and services that consumers wanted, but couldn't find in other credit cards. Discover changed that by pioneering cash rewards and offering a card with no annual fee. We've never lost sight of our heritage and remain focused on the customer today.

We have one of the most recognized brands in U.S. financial services.

Today, Discover is a leading direct bank and electronic payment services company. Our direct bank issues the company's flagship credit card business and offers an array of banking products, such as private student loans, personal loans, home equity loans, checking and savings accounts, certificates of deposit and money market accounts. Discover operates PULSE, one of the nation's leading ATM/debit networks; Discover Network, with millions of merchant and cash access locations; and Diners Club International, a global payments network with acceptance in more than 185 countries and territories.
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