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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. 🙂
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