Skip to content

What are the advantages of the Discover United States credit card and how to acquire one

  • by

What are the advantages of the Discover United States credit card and how to acquire one

The Discover credit card is one of the most popular in the United States, as it offers several benefits to its customers, such as cashback, exemption from annual fees, international acceptance and 24-hour customer service. In this article, we will explain the advantages of the Discover United States credit card and how to acquire one, even if you live in Brazil.

What is the Discover credit card

The Discover credit card is a product of Discover Financial Services, an American company that has been operating in the financial services segment since 1985.

Discover is the fourth largest credit card issuer in the United States, with more than 50 million customers. Additionally, Discover is the owner of the Pulse payments network, which allows its cards to be accepted in more than 185 countries and territories.

What are the advantages of the Discover credit card

The Discover credit card offers several advantages to its customers, including:

  • Cashback: The Discover credit card allows you to receive back a percentage of the value of your purchases, which can vary from 1% to 5%, depending on the category and period. You can use your cashback to pay your bill, make online purchases or exchange it for gift cards. Additionally, the Discover credit card doubles your cashback in the first year of use, with no value limit.
  • Annual fee exemption: The Discover credit card does not charge any annual fee, which means you can use your card without paying anything for it. This is a big advantage over other American credit cards, which often charge annual fees that can reach hundreds of dollars.
  • International acceptance: The Discover credit card is accepted in more than 185 countries and territories, thanks to its partnership with the Pulse, Diners Club International and UnionPay payment networks. This means you can use your Discover credit card for international travel without worrying about compatibility. Plus, the Discover credit card doesn’t charge any international transaction fees, which can save you significant money on your foreign currency purchases.
  • 24-hour customer service: Discover credit card offers 24/7 customer service via phone, chat or email. You can contact a Discover representative whenever you need, whether to ask questions, request services, report problems or make complaints. Discover’s customer service is recognized for its quality and efficiency, having received several awards and praise from consumers.

How to get a Discover credit card

To acquire a Discover credit card, you must meet certain requirements, such as:

  • Be over 18 years of age;
  • Have an address in the United States or a physical address for multiple companies (HUB), such as Qwintry;
  • Have a bank account with an American bank or an international digital account, such as Wise;
  • Have a credit history in the United States or in the country of origin.

If you meet these requirements, you can apply for your Discover credit card online, on the company’s official website. You will need to provide your personal data, such as name, date of birth, address, telephone number, email, income and social security number (if you have one). You will also need to choose the type of Discover credit card you want from the available options, such as Discover it Cash Back, Discover it Miles, Discover it Chrome, Discover it Secured, among others.

After submitting your request, you will receive a response within a few minutes letting you know whether your request was approved or not. If approved, you will receive your Discover credit card at the designated address within 10 business days. If you are denied, you will receive a letter explaining the reasons for the denial and possible ways to appeal.

Conclusion

The Discover credit card is a great option for those looking for an American credit card with several benefits, such as cashback, no annual fees, international acceptance and 24-hour customer service.

To purchase a Discover credit card, you must be over 18 years old, have a U.S. address or a HUB, a bank account with a U.S. bank or an international digital account, and a credit history in the United States or your country of origin. origin.

You can apply for your Discover credit card online, on the company’s official website, and receive your card within 10 business days.

I hope this writing was useful for your blog. If you have any questions or suggestions, please let me know. I’m here to help you.