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Your input is invaluable and we'd love to have your opinions about the Discover cash back debit card and/or prepaid card (see below) – this site is powered by consumers like you!
Discover Card is one of many companies offering a growing suite of reloadable, prepaid debit card solutions, customized to meet your needs. Offerings range from:
- General Purpose Reloadable (GPR) – This card is great for general, everyday use and has the added benefit of fraud protection. The user’s money is safe and there are no dangers of overdrafts.
- Discover Campus – This option is great for college students. Not only does it double as a student ID, but it can also be used to make purchases, easy cash withdrawals, and direct deposits from the Financial Aid Office.
- Discover Payroll – This card allows cardholders to receive their pay immediately and allows employers to save the cost of cutting checks. Cardholders are protected with zero liability, overdraft protection and routine account alerts.
One concern most people have when considering a Discover Prepaid Debit Card is that it won’t be accepted most places, but today, Discover is accepted at over 90% of merchants that accept credit card payments.
Discover is also a part of the Pulse Network, the nation’s largest Electronic Funds Transfer network allowing you easy access to cash withdrawals at any ATM that carries the Pulse ® logo.
The Discover Prepaid Debit Card also carries with it some hefty benefits like:
- Fraud Protection for unauthorized charges
- Cash access through ATMs or stores offering cash back with purchase
- Online account monitoring
- A variety of reloading options
The fees associated with the Discover Prepaid Debit Card vary depending on issuing bank. If you have a prepaid card, please let us know what fees you are paying by posting a review below.
Discover Prepaid Debit Card Complaints and Reviews- (Customer Complaints and Good Reviews Below)
PLEASE NOTE!There are no more Discover prepaid debit cards being issued direct to consumers. Apparently, they still offer prepaid cards through employers as they have recently updated the terms for the Discover Universal Discover® Prepaid Card.
The Universal Card gives you 5% cash rebates at select merchants, but unlike traditional prepaid reloadable cards, you can not get cash back at ATMS. Also, it doesn't look like you can directly load cash onto the card (which you normally can do with a prepaid Visa for ex.), but must be done by your employer (assuming they gave you the card). And the fees are hard to figure out as you have to log in to your account to see how much the fees are.
The bottom line is that the Universal card is more limited that most prepaid cards such as the new no fee Chime Visa below, but the cash back benefit is a good deal if you do business with their featured merchants (for example, CVS Pharmacy is one of them, but Amazon and Walmart are not). Discover does still offer the Discover secured credit card (click for review)). Please read customer complaints and positive opinions below.
Click here to read our reviews of the current best prepaid cards on the market and apply online in mins, including the new Chime Visa debit card which offers benefits that the Discover rewards debit card does not, including $50 cash referrals up to $600 per year. You can also get approved for Chime even if your credit is bad (and Visa is more widely accepted than Discover is).
Finally, they offer the Discover cash back debit card which offers a flat rebate of 1% cash back (on up to a maximum $3,000 in debit card purchases each month). The Discover debit card offers a good rebate when compared to other cash back debit cards (click to compare with other debit card rebate programs). The Discover cashback debit card has no monthly maintenance fees or any other hidden fees, but please note that you have to open a Discover checking account to use their debit card.
One very low fee card option is the new No Fee Chime Visa Debit Card, (Referral Link) which can managed entirely from your smartphone and charges no overdraft fees, no monthly service fees and no transfer fees. No Chex systems. No minimum balance is required and Chime features over 38,000 fee-free MoneyPass® and Visa Plus Alliance ATMs (there is a map of all fee-free ATM’s in the app).
And for a limited time, earn a Cash referral bonus of $50 when you tell your friends and family members about Chime and they sign up (and they'll earn $50 too)- details within the app after you apply!
This is the best and cheapest alternative to prepaid cards we have seen since we started reviewing prepaid cards over 5 years ago.Click for more info.- you can apply online in just 2 mins with no obligation- start by simply entering your email and clicking Get Started– over 3 million customer couldn't be wrong. 🙂
Related Resources and Reviews:
My review is of the Ingo Money app which is the worst third Party check deposit corporation- they shut down your account for any reason at the drop of a hat!
And every prepaid company uses Ingo except Discover Prepaid Bank and PNC. So good for Discover!
The Discover Bank Card is actually a debit card and I love it.
Discover banks customer service division based out of Colorado is very good, the people are ridiculously nice, helpful, patient and professional. I do not feel that warmth with US Bank and Ingo.
Discover does not use this company which is why the experience is a breath of fresh air.
Great points C cler and thanks for sharing some good financial tips!
Do you have a Discover account? If so, have they been good at working with you by lowering your rate, etc?
I have a debt from my Discover Card prior to my separation from my ex that he should be responsible for. And I just find out my rate is sky high – like around 20%!
I haven’t called discover yet. That card I did know about for several months before the divorce. I will, honestly I was told he opened an account for him and I had and authorized card too maybe a year prior.
I never had possession of the card until after our separation (we will be divorced in June 2020).. But I think I made a purchase on it in December or January. So I’m not sure how all of that works.
And I’m unwilling to sign an affidavit on it. What he did was absolutely wrong. But putting him in jail for fraud is not going to help the situation at all-it’s just going to further alienate the kids from him from me. So idk what to do on all of it. Anyone have any suggestions?
I think you could possibly file a fraud claim with Discover without getting your ex in trouble.
Also, as a single mom, have you been affected by COVID? 🤔
True. I’ll see what can be done.
Might see if my credit union where my car is financed would consolidate my credit card debit at a lower rate if I can’t get some headway.
But see I can go apply for a grant for students for covid hardships too but idk what the hardship has been. School is feeding the kids. No additional expenses except extra travel to other jobsite but that’s mostly reimbursed by my employer. I’m struggling with claiming a financial hardship there.
you can file for unemployment benifits under the PAU “pandemic program” under the CARES act that was signed earlier thus year. Just for the simple fact you have to care for your kids full-time since the schools are closed. So you will get at least 600.00 bucks a week till end of July.
But you best file a claim asap so you don’t get too far behind on bills. That will make your x look good if you are struggling to take care of the kids, don’t want that to happen. Good luck and file for that pandemic unemployment benefit
I have a prepaid card by Discover and it just expired last month and they won’t give me my money $1006! Beware!
Thanks for sharing your customer review of the Discover prepaid card and sorry for your problems. 🙁 The terms are confusing.
Which bank issues your card out of curiosity and are you sure it’s not a gift card or the Discover cash back debit card? Pls advise.
take out a law suit they will settle very quick
Thanks for your sharing your consumer protection tips Rebel! Do you mind sharing what your legal experience was like?