Originally Posted by
pinniped
What is Discover's target market? The only thing I ever hear about it in the 21st century is that it is widely accepted in China.
...Typical Visa/MC cashback options beat it, if that's the target audience. (e.g., the non-travel-points audience)
I would say those who are new to credit, want a secured credit card, college students, or those who want a 5% rotating card if they're over 5/24 - or those who value U.S based customer service and don't want to use a credit union .
For those who don't like to play the credit card game and want a quality checking account (with a 1% cash back debit card) to attach to a decent savings account (2.10% rate), or CD, then that's the bank/network for them.
I would say Discover is way more competitive than they used to be.