When you’re making multiple purchases in a day — from picking up your share of the tab at a happy hour with coworkers to grabbing gas on the route to work — you need to be confident that the card you have in your wallet will be accepted. And for all of those purchases — the small, large, and anything in between — you can feel comfortable with choosing Discover. That’s because Discover is accepted at more places than you might imagine — more than 11 million merchants in the U.S. accept Discover. Consider these common misconceptions about the acceptance of Discover’s credit cards and learn what the facts really are:

Myth: Most merchants don’t accept Discover.

more than 11 million merchants in the U.S. accept Discover

*Reality: According to a 2019 Nilson report, 97 percent of U.S. merchants that take credit cards accept Discover credit cards. And with more than 11 million merchants accepting Discover nationwide, there may not be a need to use another card.

Myth: If I don’t see my card’s logo displayed, that means that the merchant doesn’t accept my card.

Reality: Some merchants may not display acceptance decals for all cards, and some acceptance decals may be different than the name on your card. For example, a merchant or restaurant that displays a Diners Club acceptance decal may also accept Discover cards. Abroad, Discover’s partnerships and alliances with local banks may mean that Discover is accepted at a retailer who displays a different decal than you may be accustomed to seeing. For example, in Japan, Discover is accepted wherever a JCB logo is displayed. Bottom line: Make sure to ask the retailer what cards they accept.

Myth: My Discover card won’t work in an ATM or bank.

Reality: It’s possible to get cash using your Discover card at more than 800,000 ATM and bank branch locations nationwide. You need PIN (personal identification number) activation, so you may need to call customer service to obtain a PIN. If you’re requesting cash from a bank or credit union, you also need a form of ID. You can search to find surcharge-free ATMs, or you can use Discover’s cash over option, where you can pay for a purchase at checkout and then ask for cash. Your APR rate applies, but there is no ATM fee or surcharge for this service.

Myth: A Discover card won’t be reliable for online retailers.

Reality: Online merchants are included in the more than 11 million retailers that accept Discover. And with some online merchants, you may even be able to earn more rewards for the places where you shop the most. For example, if you have a Discover it® or Discover it® Miles card, you can link these cards to your Amazon.com account to maximize rewards. Not only will you get reward points for Amazon.com purchases, but you can also use any Cashback Bonus dollars to automatically pay for upcoming orders.

Myth: I’ve heard Discover may be rejected for payment at local stores.

Reality: Retailers ranging from big box merchants to small mom-and-pop shops accept Discover cards. Over the past decade, Discover has created partnerships around the United States and across the globe, making Discover one of the leading credit cards in terms of acceptance. If you’ve heard a rumor that a store doesn’t accept Discover, it may be a good idea to ask and find out for yourself. Chances are, you’re likely to find out that the retailer does accept Discover.

97 percent of U.S. merchants that take credit cards accept Discover credit cards

Myth: Discover offers less competitive rewards than other cards.

Reality: Whether you want to earn miles or cash back, or you’re exploring secured credit cards to build credit, Discover has an option for you. For example, the Discover it® Cash Back card offers 5 percent cash back on certain purchases, including Amazon.com, stores and restaurants, and 1 percent cash back on all other purchases. If you’re still building credit, the Discover it® Secured card offers 2 percent cash back on gas and restaurant purchases. And Discover it®, as well as other Discover card products, has no annual credit card fees.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.