The Advantages of a Discover Card
When it comes to choosing a credit card, Americans are fortunate to have numerous credit card issuers to pick from. Each card offers its own unique set of features, including rewards, benefits and customer service standards.
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While some card issuers will offer benefits that vary widely based on the product you choose, consider these advantages of a Discover Card:
1. 100% U.S.-based Customer Service
With the Discover Card, every time you call customer service, you will be speaking with a representative based in the United States.
Cardmembers can earn rewards with each type of Discover Card on a variety of spending categories. Just for making everyday purchases, Discover cardmembers are earning rewards that they can redeem later for statement credits, direct deposits, retailer gift cards and more.
3. Purchase Protection
It can be very disappointing when something you buy breaks or gets stolen soon afterwards. But if you make an eligible purchase that’s accidentally damaged or stolen within 90 days of purchase, Discover may reimburse you for it, up to $500 with an approved claim, through it’s Purchase Protection benefit.
4. Price Protection
Most shoppers know how frustrating it can be when you find a lower price on an item, soon after you’ve purchased it. However, Discover offers Price Protection, which is a benefit that provides cardmembers the opportunity to find a lower price within 90 days of the original sale and file a claim to potentially receive a reimbursement for the price difference up to $500 per item.
5. Return Guarantee
If the store from which you purchased an eligible item will not accept your return within 90 days of purchase, Discover’s Return Guarantee will reimburse you up to $500 if you file an approved claim.
6. Extended Product Warranty
With the Extended Product Warranty, you don’t have to worry about your expensive purchases after their manufacturer’s warranty expires. Discover may extend the terms of an existing eligible warranty for up to one additional year on warranties of 36 months or less.
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7. Freeze Your Card
Everyone misplaces their credit card from time to time, but it can be a real hassle to report it lost, wait for a new card to arrive and update all of the billers that have your card on file. Instead, Discover cardmembers have a great advantage in the Freeze it® feature, which can be turned on in just seconds to prevent new purchases, balance transfers and cash advances on their account. Freeze it® will still allow recurring charges that you’ve already authorized, along with returns, credits, dispute adjustments and payments. You can quickly unfreeze your account in the mobile-app or online when you find your card, or report it lost for good if it never turns up.