Mary B.

I have 1 credit card with them as well as 1 checking account and 2 savings accounts.

I pay my credit card in full each month. Have gotten 2 credit line increases, by my request. Take advantage of their 5% categories each quarter. And looking forward to earning my cash back match soon, which with the standard cash back match will be just over $600!

I use this checking account to only pay my landlord. I am able to transfer funds from my primary bank into this account seamlessly. It does take a few days between my bank and discover bank for the transfer. My landlord gets their check on time without fail. I don't take advantage of the cash back on this account. I use my credit cards as debit cards so that no one, besides my landlord has this account information.

My 1 savings account, is being used to save for my down payment to a future home purchase. Taking advantage of the, now, 2% interest rate. In the 6 months of this accounts life, the APR started off at 1.6% and is currently at 2.0% earning a massive $28, to date. My primary bank, is currently at 0.01% with a similar balance and has only earned about $0.20 in the same amount of time.

My other savings account is used to hold funds for my mother who comes to my home and gets my son on the school bus. She refuses payment. So, I drop her "payment" into this account. If she's low on funds and needs help with gas for her car, I simply move the funds from her account into my home savings. It all works out. This account, with much much much less than my primary bank is actually outperforming my primary and has already earned $0.12 interest in its 2 months of existence.

I really see the value of Discovers Services, looking at other reviews, it makes me thankful, that I am reaping the rewards that are offered.