Discover it cashback credit card
Ranked 3 of 5 credit cards by recommenders
Recommended for easy approval, Apple Wallet transaction history and good exchange rates on cash withdrawals in some places; the common caveat is poor acceptance abroad, tied to high fees.
Recommended for easy approval, Apple Wallet transaction history and good exchange rates on cash withdrawals in some places; the common caveat is poor acceptance abroad, tied to high fees.
11 people gave an opinion
- recommend it
- 8
- criticize it
- 3
- approval share
- 73%
Recommended in 6 of 13 months
- November 2025: not recommended
- December 2025: recommended
- January 2026: not recommended
- February 2026: recommended
- March 2026: not recommended
- April 2026: not recommended
- May 2026: recommended
- June 2026: not recommended
- July 2026: recommended
- August 2026: recommended
- September 2026: not recommended
- October 2026: recommended
- November 2026: not recommended (month in progress)
Why it doesn’t carry the badge
- 8 people recommend itNeeds 10 or more, not met.
- 2.7 recommenders for every criticNeeds 2 to 1 or better, met.
- Recommended in 6 of 13 monthsNeeds 4 or more, met.
The same three rules apply to every product, and the badge can’t be bought. How the badge works
What people say about it
The reasons people give, with the number of comments that give each one. Open a reason to read what they said.
Why people recommend it
Each mark is one comment
Approval needs little income
“It's not hard to get the card (or at least wasn't) and was frequently advertised to college students.”
Comment from 25 Aug 2026 in “How credit card rewards became a $9.2B wealth transfer” “None of these required much income to be approved.”
Comment from 26 Aug 2026 in “How credit card rewards became a $9.2B wealth transfer”
What people warn about
Each mark is one comment
Low acceptance abroad, especially Europe
“Discover Card has low acceptance, especially internationally, and this is often because Discover charges relatively high transaction fees.”
Comment from 7 Jul 2026 in “JPMorgan, BofA and Others Explore Buying Card Network to Raise Debit-Card Fees” “Nothing in France takes Discover, and my bank decided to go with Discover about 6 months ago.”
Comment from 10 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun” “Discover is spotty in Europe but some places definitely accept it.”
Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”
Other credit cards people recommend
The four most recommended other credit cards, with the same counts for each, so you can compare like for like. The tick on each bar marks the 2 to 1 line the badge needs.
| Product | Recommend | Criticize | Approval | Months | Owned | Badge |
|---|---|---|---|---|---|---|
| Apple Card | 27 | 33 | 45% | 6 | 3 yrs4 owners | — |
| American Express credit card | 20 | 25 | 44% | 11 | — | — |
| Discover it cashback credit cardThis page | 8 | 3 | 73% | 6 | — | — |
| Robinhood Gold Card | 7 | 0 | 100% | 4 | — | — |
| Chase Sapphire credit card | 7 | 2 | 78% | 4 | — | — |
What people said
11 of the 12 comments that mention it, newest first. Each links to the original comment.
“they eventually decided I ordered what I got (WHAT???), and sided with the seller.”
“None of these required much income to be approved.”
“It's not hard to get the card (or at least wasn't) and was frequently advertised to college students.”
“They were one of the few issuers that supported seeing transaction history in the Apple Wallet app.”
“Discover Card has low acceptance, especially internationally, and this is often because Discover charges relatively high transaction fees.”
“the number of times I've had it declined is a tiny fraction of a percent”
“Discover is spotty in Europe but some places definitely accept it.”
“CIC and La Poste accept it for cash withdrawals, which preserves the advantage of great exchange rate”
“Nothing in France takes Discover, and my bank decided to go with Discover about 6 months ago.”
“From ING Direct to Capital One Discover”
“Let me introduce you to the wonders of Discover.”
Counts come from 1,795,640 Hacker News comments, November 2025 to November 2026. How we count. Report a mistake.