I really like the fact that you get 5% cash back (as either credit on your statement or deposited into your bank) and 1% cash back on everything else. It used to be that you could only cash out once you reached a certain amount. I don't remember exactly how much but it was like $10 or $25, but now you can use the cash back anytime. Just don't forget to sign up for the rewards each period (four months).
Discover is really easy to use and they've treated me well. About six months after I got the card, they gave me a Starbucks gift card for making consistent payments and they've raised my credit limit. The website is very easy and simple to use, and the monthly statements tell you everything you need to know in a simple and concise way.
If you're a college student, I strongly recommend that you consider the Discover Student card. It's pretty easy to sign up and apply, just make sure that you make your payments every month. It's a good idea to start building up your credit score early, and will help you build some responsibility while offering some modest rewards and being free of fees.… more