Updated January 03, 2023 – BEST Discover Credit Cards Of 2023: Like American Express, Discover is both a credit card network and an issuer. (Visa, Mastercard, and American Express are the only card networks that don’t directly issue cards to the general public.
Discover is the newest card network in America and has grown to be the sixth-largest card issuer, based on cards in circulation and outstanding balances. We’ve analyzed the most popular Discover cards and selected the top in each category, including cash-back rewards as well as travel miles, balance transfer, student, restaurants, or secured cards.
The best credit cards for discovering are those that offer generous rewards, 0% APRs, no foreign transaction fee, and offers that can be used by all credit levels. Below are WalletHub’s top picks for Discover cards according to category. This should make it easy to choose the right one. You can contact Discover Credit Card Customer Service.
It’s important to note that although all Discover cards share the same brand name “Discover it”, there are many options among the current crop of Discover credit cards. You might need more than a Discover card at the end.
Discover credit cards are different from those offered on the VISA or Mastercard networks because they are universally accepted.
The acceptance of Discover credit cards outside the United States is not nearly as widespread. Even if your plan is to only use the card domestically, it’s worth comparing Discover cards with cards from the other major networks. This will allow you to find the right card for you. Discover has a variety of credit cards that suit different consumer types.
Discover credit cards don’t have an annual fee. Discover is also well-known for its excellent customer service and overall cardholder experience. Many Discover credit card cards offer identity protection benefits such as Social Security Number monitoring, free replacement of your card in case it is lost or stolen, and waiving the first late payment fee.
Best Discover Credit Card: If you’re looking for a quality card with great rewards potential, the Discover it® Miles card is worth considering. With no annual fee and the ability to earn miles on everyday purchases, this card is an excellent option for anyone looking to improve their financial stability. There are numerous ways to use your miles to get incredible discounts and rewards.
Table of Contents
Best Discover Credit Cards of 2023
|Discover it® Student Cash Back||Best for Students|
|Discover it® Secured Credit Card||Best Secured Discover Card|
|Discover it® Cash Back||Best Discover Cash Back Card|
|Discover it® Miles||Best for Travel|
|Discover it® Chrome Gas & Restaurants||Best for Gas and Food|
1. Discover it® Student Cash Back [Best for Students]
There are many great perks to the Discover it®, Student Cash Back card. Although it may not offer the same rewards and benefits as cards with more established credit scores, the Discover it® Student Cash Back card is a great way to build a financial profile that will eventually lead to higher-paying cards.
The Discover it®, Student Cash Back card offers some attractive rewards, with higher earnings in the quarterly rotating categories. The $1,500 quarterly cap is not very appealing. These bonus categories need to be activated. There are also some restrictions, such as the fact that “online shopping” could only mean Amazon as well as Walmart. Any additional spending after the reward category cap expires earns an unlimited 1% cashback.
Discover’s Cash Back Match will match all cash earned at the end of the first year. This means that cash-back rewards can be doubled if leveraged properly.
When shopping for credit cards for students who plan to study abroad, it is important to remember that the Discover it®, Student Cash Back card does not have foreign transaction fees. However, Discover might not be as widely accepted as major card issuers outside the U.S. It is possible to find another card.
Important Keys Of Discover Student Cash Back Credit Card
- Apply without a credit score
- Discover offers an Intro Offer: Unlimited Cashback Match Discover will match any cash back earned during your first year. You could convert $50 cashback to $100. Or turn $100 into $200. There is no minimum spend or maximum reward. Only a dollar-for-dollar match.
- Everyday purchases made at various places such as Amazon.com, gas stations, grocery stores, and restaurants will earn you 5% cash back. This is up to the quarterly maximum once you activate. You can also earn unlimited 1% cashback on all purchases, automatically.
- You can earn rewards and build your credit history to help you in the future. Get your Credit Scorecard, which includes your FICO®, Credit Score, and other important information that will help you build your score.
- There is no annual fee. There is no late fee for the first late payment. Late payments do not incur an APR increase
- Refer-a-Friend: After becoming a Discover it®, Student card member you will be able to earn a statement credit for each friend you refer. Refer a friend and over half a million students received Discover Cards.
- You can turn on/off the Freeze It®, which prevents you from making new purchases, cash advances, and balance transfers within seconds.
- Receive an alert when we find your Social Security Number on any one of the thousands of Dark Web sites. * Get activated for free
- Nearly 99% of all credit card shops accept Discover.
- Purchases for 6 months qualify for a 0% intro APR. After that, the standard variable purchase rate of 13.24% to 22.24% applies.
- Click “Apply Now”, to view rewards, FICO®, Credit Score terms, Cashback match(TM) details, and other information.
|Get 5% Cashback on all rotating bonus categories|
First-year Cashback match
Rotating spending categories like groceries and restaurants offer high rewards
Potential for a substantial bonus in the first year of cash-back matches
Purchases 0% Introductory APR for 6 Months
Reward you for good grades
|Rotating-category rate requires quarterly registration|
Balance transfers are not eligible for a 0% APR
Discover Student Cash Back Credit Card Reward Program
Earning Rewards: All purchases earn the unlimited 1% cash back reward from Discover it®, Student Cash Back card. Cardholders need to activate the category in order to earn 5% cash back in quarterly rotating categories that are limited to $1,500 each quarter.
The Discover Cashback Match doubles any rewards earned at the beginning of the year automatically. It is therefore a good idea to max out every quarter’s rewards during your first year of card ownership.
Redeem Rewards: Reward points earned by the Discover it®, Student Cash Back card can be used in any amount as a statement credit or deposit and they do not expire. Any remaining reward balances will be credited to your account after the account has been closed or 18 months without any use.
Additional Benefits of Discover Student Cash Back Credit Card
- Select from a variety of card designs.
- Text Alerts Get notifications when your account is updated.
- FICO Scores for Cardholders: Cardholders can get FICO scores free of charge with Discover.
- Alerts for Social Security Numbers: Upon account registration, Discover will scan dark websites to identify identity theft risks.
- Mobile App – Track your purchase and reward via Discover’s mobile application.
- Freeze it. Use the app to place holds on missing or stolen cards.
2. Discover it® Secured Credit Card [Best Secured Discover Card]
When you have poor credit or no credit history, Discover it(r Secured Credit card) is your best friend. It is a secured credit card that far surpasses the expectations of credit builders in many ways.
This card is different from most competitors. It tells you when you may be eligible to upgrade to a regular credit card and gives you your deposit back. Discover will examine your account for eligibility to upgrade after seven months. You will also receive rewards, which aren’t available on secured credit cards, and an annual fee of $0. The card requires a $200 security deposit. However, you can get your money back if you open a new credit card or close the account.
Annual fee: $0.
Minimum $200 security deposit This amount will determine your credit limit. Deposits as high as $2,500 can be made.
Discover offers a bonus: Unlimited cashback match Discover will match any cash you earn in the first year. There is no minimum spend or maximum reward. Only a dollar-for-dollar match.
Reward: Get 2% cash back at gas stations or restaurants for purchases up to $1,000 each quarter. All other purchases earn 1%
APR: 10.99% Intro APR for Balance Transfers for 6 months, then the ongoing APR at 23.24% Variable APR.
Foreign transaction fee: None.
Additional Features of Discover it® Secured Credit Card
TransUnion, Equifax, and Experian report payments to help you build credit.
Discover will review your account beginning at seven months to determine if you are eligible for a regular card.
Discover does not charge a late fee for the first late payment.
The Credit Scorecard from the issuer allows you to track your credit score.
You will receive free alerts from your Social Security Number when your information is discovered on the dark Web.
Freeze is an on-and-off switch that allows you to stop new purchases, cash advances, or balance transfers via the issuer’s app or online portal. This is useful in the event that your card is lost or stolen.
Card details of Discover it® Secured Credit Card
Apply without a credit score
There is no annual fee, you can earn cash back and build credit through responsible usage
Your secured credit card will help you build a credit history with the major credit bureaus. Prepaid and debit cards are generally not able to do this.
A refundable security deposit of $200 is required to establish your credit line. This is a $200 deposit to open a credit line $200. For a 500 credit line, you can deposit $500. You must provide bank information when you submit your deposit. The security deposit equals the credit limit.
Automated reviews start at 7 months. We will assess if you are eligible for an unsecured credit line and return your deposit.
Gas Stations and Restaurants offer 2% cash back on purchases up to $1,000 each quarter. You can also earn unlimited 1% cash back on all other purchases, automatically.
Nearly 99% of all credit card shops accept Discover.
Get U.S.-based customer service and your credit scorecard free with your FICO. Credit Score.
INTRO OFFER – Unlimited Cashback Match, only at Discover Discover will match any cash you earn in the first year. There is no minimum spend or maximum reward. Only a dollar-for-dollar match.
Receive an alert when we find your Social Security Number on any of the thousands of Dark Web sites. Register for free.
Click “APPLY NOW!” to view rewards, FICO Credit Score terms, and Cashback Match details.
|No annual fee|
Reports to the three major credit bureaus
Qualify with limited/bad credit
New cardholder bonus offer
|Requires minimum deposit|
Additional Fees $ Rates
|Intro Purchase APR||N/A|
|Regular Purchase APR||23.24% Variable|
|Intro Balance Transfer APR||10.99% Intro APR for 6 Months|
|Regular Balance Transfer APR||23.24% Variable|
|Cash Advance APR||25.24% Variable|
|Cash Advance Fee||See Terms*|
|Late Fee||See Terms*|
|Penalty APR||See Terms*|
|Balance Transfer Fee||3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*|
|Foreign Transaction Fee||None|
|Return Payment Fee||Visit Discover Credit Card Official Website and Read Terms and Conditions*|
3. Discover it® Cash Back [Best Discover Cash Back Card]
The Discover It® Cashback offers a high cashback rate in rotating quarterly categories. However, you won’t automatically get these rewards. You must activate the program and spend caps apply.
This $0-per-year card is worth the effort for those who want cash back and aren’t afraid to put in some work. For people with 700+ credit scores, the Discover it®, Cash Back card is a great credit card. It has a $0 annual fee and offers a high cashback rewards rate. Discover it®, Cash Back gives you a maximum of 5% cash back on purchases made in bonus categories. Discover will also match any rewards earned in the first year. The 5% bonus categories are subject to change each quarter and activation is required.
You get more than just cash back with the card. Additional Discover it®, Cash Back benefits include a 0% intro rate on new purchases and balance transfer (followed up by a standard regular interest rate which lasts longer than the market average). There are no foreign transaction fees or late fees if you miss a due date.
We’ll help you make a decision about whether you apply for Discover it®, Cash Back card.
Review Highlights of Discover It® Cash Back
You must activate the quarterly bonus categories of 5%
You get 5% back when you spend $1,500 in designated categories every quarter with the Discover it®, Cash Back credit card. This 5% rate can help you earn up to $300 each year. It’s not easy to do.
Each quarter, you must sign up to receive the new bonus categories. You can’t guarantee that the items you spend the most money on will be eligible. You will also earn 1% cash back on purchases that do not qualify.
0% Intro APR for 15 months
The average 0% intro rate for new purchases lasts approximately 12 months and balance transfers about 13 months, respectively, according to WalletHub’s most recent report. Credit Card Landscape Report. The regular APR for the Discover it Cash Back card is 12.24% – 23.24% Variable.
A great feature is the first-year-rewards match
Your first-year earnings will be doubled with the Discover it®, Cash Back. This is a fantastic deal and well worth the extra. $525 Our calculations show that this applies to the average person. It’s not a unique offer, as all Discover rewards cards have this promotion.
Discover it®, Cash Back has a $22 per-year lower annual fee than average credit cards. This is important if you don’t intend to use your card every single day. If you do plan to use your card every day, it may make sense to pay a fee for higher rewards. You will save about 1.44% on international purchases with Discover it®, Cash Back, as opposed to an average credit card offer.
It’s also worth noting that Discover it®, Cash Back is just one of many Get Discover It Credit Cards right now. This is not the only cash-back reward offer. There are many options. You can find additional information below to help you make a decision.
Minimum credit score for Discover it Cash Back
700 is the minimum credit score required to be approved for Discover it Cash Back. In other words, applicants need to have a minimum of 700 credit points.
Get cash back with Discover It Cards
The Discover it Cash Back Card has a There is $0 annual fee and a foreign transaction fee of 0%. You don’t have to pay a late fee for the first payment. But that doesn’t mean Discover It Cash Back is free. There is a 3% fee for the initial balance transfer, and a maximum of 5% on any future balance transfers (see terms*). Additionally, there is a $40 max late fee and a $10 cash advance fee. The fee can be either $10 or 5% depending on how much each cash advance is.
The Discover It Cash Back grace period
The grace period for Discover it Cash Back is a minimum of 23 days. It runs from the date of the account’s billing to the due date. Cardholders who pay their full amount by the due date are exempt from interest charges.
Not commissioned, endorsed, or provided by any issuer. Ratings and opinions are entirely ours.
Review of Discover It® Cash Back Summary
Discover It® Cashback is an everyday credit card that’s suitable for those with good credit or excellent credit and who wish to receive bonus rewards without having to pay an annual fee. The Discover it Cashback card offers up to 5% cash back on purchases and doubles the rewards cardholders’ earnings in the first year.
However, the downside is that you will need to sign up each quarter for new bonus reward categories in order to earn the card’s 5% rate. You can only earn 5% per quarter. Purchases not eligible for the 5% rate will earn 1% cashback.
For financing, there are intro rates of 0% for 15 months on new purchases as well as balance transfers. However, Discover it Cash Back charges a balance transfer fee as well as a variable APR of 12.24% to 23.24% Variable.
|Get 5% Cash Back on Qualifying Rotating Spending Categories throughout the Year|
Discover will match any cash you earn at the end of your first year.
No minimum cashback redemption
|Spend less than $1,500 to get 5% cashback|
All bonus categories must be activated at least quarterly
Everything else: Low 1% base rate
4. Discover it® Miles [Best for Travel]
As the sole travel card offered by the issuer, the Discover it®, Miles credit card is unique. It works in a similar way to its cashback siblings. Instead of using your miles for travel bookings, you can use them to redeem statement credits that cover a variety of travel purchases.
The Discover it Miles card is a great low-cost option if you are looking for travel rewards. But what makes it stand out from other cards? It’s a 1:1 value for all redemption options including cash back. This rewards program is a great option for those who are not sure about their future travel plans and need a backup plan to get their rewards.
- Unlimited Bonus: Discover offers an unlimited match for all Miles earned during your first year. You get 70,000 Miles if you earn 35,000 Miles. You don’t have to sign up, spend minimum or receive maximum rewards. Only a Miles for Miles match.
- Earn unlimited 1.5x Miles for every dollar you spend – without an annual fee
- You can redeem miles to pay any portion of your monthly bill including the minimum payment.
- You can convert your Miles into cash at any time and in any amount. Redeem as a statement credit to pay for travel expenses such as airfare, hotels, and rideshares. Miles can be redeemed in any way you like, but they will always have the same value. Miles are never lost.
- There are no blackout dates. You can use your Discover it®, Miles card to pay for all travel purchases, including hotels, flights, rental cars, and more.
- Nearly 99% of all credit card shops accept Discover.
- You can instantly freeze your account with an on/off switch on the website or mobile app. This will prevent you from making new purchases, cash advances, or balance transfers.
- Get your Credit Scorecard free of charge with your FICO®, Credit Score, Number of Recent Inquiries and More.
- Receive an alert when we find your Social Security Number on any one of the thousands of Dark Web sites. * Get activated for free
- Click “Apply Now”, to view rewards, FICO®, Credit Score terms, Discover Match®, details & other information.
|Miles earned in the first year will be matched at the end. This replaces a welcome bonus.|
You can redeem miles for cash or travel at the same rate.
No foreign transaction fee
There is no annual fee
|There are no bonus categories for spending|
Offers no travel benefits or transfer partners
Mediocre introductory APR offer on balance transfers
5. Discover it® Chrome Gas & Restaurants
Discover it Chrome Card offers easy, but very valuable, cash-back rewards at gas stations, restaurants, and other places. It has no annual fees and doubles the rewards for card members who sign up within their first year. The card also offers a 0% APR introductory offer for new purchases and balance transfers, making it an affordable financing option.
- Best Rewards at Restaurants and Gas Stations: The Discover it Chrome Card can maximize your rewards if you spend a lot at restaurants and gas stations. Earn 2% cash back at gas stations and restaurants for purchases up to $1,000 each quarter. All other purchases will earn you a standard 1% cashback
- Cashback: Discover will match any cashback earned in the first 12 months of being a card member. The card offers a generous 4% cash back on gas and restaurant purchases, and a generous 2% for all other purchases. You could earn an additional $80 cash back if you spend the maximum amount on gas or eating out that is eligible for rewards in your first year.
- APR: This card is great if you are looking to make a large purchase or transfer a lot of money. The 0% introductory rate on purchases and balance transfers will be applied to your account by June 10, 2022. This is a typical length for offers like this, especially for cards that don’t charge an annual fee. These fees are common, but some cards waive them in introductory deals. Your APR will increase from 11.99% to 22.99% depending on how creditworthy you are after the introductory offer ends.
- No Penalty Rate: This is a unique card that doesn’t rise to a penalty rate. The APR (usually the highest rate on the card) does not increase after you have been in arrears for payments for at least 60 days.
|Gas stations and restaurants offer above-the-average rewards|
For the first year, a valuable cash-back match offer
New purchases and balance transfers: 0% APR for 14 Months
APR without penalty
|Each quarter, cash-back rewards are limited|
Benefits beyond the rewards are limited
Discover credit card may be able to change the name of an item that appears on your statement if the name is incorrect or if there is a mistake of some kind. However, you will need to contact Discover directly to request this change. You can contact Discover by calling the customer service number on the back of your credit card, or you can visit their website and follow the prompts to contact customer service. When you speak with a customer service representative, they will tell you if it is possible to change the name of an item on your statement and, if so, how to do it.
It is generally possible to find out who used your Discover credit card to make a payment or purchase, including sending money via a cash app or other payment service. To do this, you will need to contact Discover directly and report the unauthorized use of your credit card. Discover will then investigate the issue and determine who made the transaction. To help with the investigation, you should provide them with information about the transaction, such as the date and amount of the purchase and any other relevant details. If Discover can determine who made the unauthorized transaction, they will take appropriate action, including cancelling the transaction and refunding any money taken from your account.
It is generally not the case that opening a certificate of deposit (CD) with a financial institution, such as American Express or Discover, will automatically increase the credit limit on your credit card. Credit limits are typically determined based on various factors, including your credit score, credit history, income, and debt burden. If you are interested in increasing your credit limit, you can try contacting your credit card issuer and asking if they are willing to increase your limit. In some cases, they may be willing to do so if you have a good payment history and meet other criteria. However, there is no guarantee that they will agree to increase your limit, and they may require you to provide additional information or documentation before making a decision.
Using a Discover credit card to pay for a WES evaluation is generally possible. WES, or World Education Services, is a non-profit organization that provides educational credential evaluation services to individuals who have completed their education outside the United States. If you plan to use a Discover credit card to pay for a WES evaluation, you should know that you may need to pay a fee. The exact cost will depend on the evaluation you need and the country where your education was completed. To use your Discover credit card to pay for a WES evaluation, you will need to provide your credit card information when you submit your evaluation request. If you have questions about using a Discover credit card to pay for a WES evaluation, you should contact WES directly.
If you want to change the name on your Discover credit card bill from your wife’s name to your current wife’s name, you will need to contact Discover directly to request the change. You can do this by calling the customer service number on the back of your credit card or by visiting the Discover website and following the prompts to contact customer service. When you speak with a customer service representative, they can provide information about how to make the name change and what documentation you may need to provide. It is important to note that you may need to provide proof of your current wife’s identity, such as a copy of her driver’s license or passport, to make the name change.
I am unaware of any “dirty” or “dark” secrets behind Discover credit cards, and I do not have any information to suggest that Discover supports scammers or spammers. Discover is a financial services company offering consumers credit cards and other financial products.
If you are permanently disabled and want your Discover credit card account deleted from your credit report, you will need to contact Discover directly to request that they close your account. You can do this by calling the customer service number on the back of your credit card or by visiting the Discover website and following the prompts to contact customer service. When you speak with a customer service representative, they will be able to provide you with information about how to close your account and what steps you will need to take. It is important to note that closing your credit card account may impact your credit score and credit history, so you should consider the potential consequences before making a decision.
It is generally not possible to deposit a check, including a trust fund check, directly onto a Discover credit card. Credit cards are designed for borrowing money and making purchases, not for making deposits or holding funds. If you want to access the funds from your trust fund check, you will need to deposit the check into a bank account and then use the funds from that account to pay your credit card balance or make purchases. Some Discover credit cards offer cash-back rewards, which allow you to earn a percentage of your purchases back in cash or statement credits. However, these rewards are different from actual cash, and you will not be able to use them to make purchases or withdraw money the same way you could with funds in a bank account.
Discover is accepted by 99% of places that take credit cards nationwide, so your retailer may already accept Discover.
If you made a payment on your Discover credit card and received a confirmation number, but your checking account does not reflect the payment, there could be several potential explanations. The payment has not yet been processed, or there was a delay in updating your account information. It is also possible that an issue with the payment, such as an incorrect account number or expiration date, prevented it from being processed. If you are concerned about the status of your payment, I recommend contacting Discover directly to inquire about the issue. They should be able to provide you with more information and help resolve any problems with your payment.
You may have several options to consider if you have a large credit card debt and need help paying the full amount. Here are a few potential strategies you could consider:
>Negotiate a lower payment: If you are struggling to pay off your credit card debt, you can negotiate a lower payment with your credit card issuer. This could involve asking for a temporary reduction in your interest rate or extending the repayment period.
>Consolidate your debt: If you have multiple credit card debts, you can consolidate them into a single loan with a lower interest rate. This could make it easier to manage your payments and pay off your debt more quickly.
>Consider a debt management plan: If you are having trouble making your credit card payments, you may be able to enrol in a debt management plan. This repayment plan involves working with a credit counselling agency to develop a budget and pay off your debts over time.
>Seek assistance from a non-profit credit counselling agency: Non-profit credit counselling agencies can assist individuals struggling with credit card debt. They can help you develop a plan to pay off your debts and improve your financial situation.
It is important to note that each option has its pros and cons, and the best option for you will depend on your circumstances. Suppose you are struggling with credit card debt. In that case, I recommend speaking with a financial professional or a non-profit credit counselling agency to get more information and find the right solution.
A Discover credit card can offer a promotional interest rate of 0% for a certain period, such as through April 2022. You will not be charged any interest on your credit card balance for the promotional period. However, it is important to note that this offer may only apply to new purchases and not to balance transfers. If you want to transfer a balance from another credit card to your Discover credit card, you may be charged a balance transfer fee and a regular interest rate on the transferred balance. It is a good idea to carefully review the terms and conditions of any credit card offer before you accept it to make sure you understand the fees and interest rates that will apply. If you have any questions about a particular credit card offer, I recommend contacting the issuer directly for more information.
If you paid a bill from last year with this year’s Discover credit card, it is likely that the payment will be credited to your account and applied to your current balance. However, if the payment was for a bill due last year, it may need to be reflected on your current statement or account balance. Instead, it may appear as a credit or adjustment on a future statement. Suppose you have any questions or concerns about the payment. In that case, I recommend contacting Discover directly to inquire about the status of the payment and how it was applied to your account. They should be able to provide you with more information and help resolve any issues you may have.
It is generally not possible to use your Discover credit card if your account is in the process of being fixed. If your account is being fixed, there is likely an issue with your account that needs to be resolved. Depending on the nature of the issue, your credit card may be temporarily suspended or cancelled until the problem can be resolved.
You can use a Discover credit card to make purchases or pay for services like any other credit card. Discover credit cards are accepted by various merchants and online retailers and can be used to make purchases in person, online, or over the phone. If you have a Discover credit card, you can use it to pay for goods and services anywhere that accepts credit cards. However, it is important to note that some merchants may not accept Discover credit cards or may only accept them as part of a limited payment network. If you are unsure whether or not a particular merchant accepts Discover credit cards, you may contact the merchant directly or check their website for more information.
If you are questioning the validity of a program you enrolled in using your Discover credit card; you have the right to request information about the program and the agreement you entered into. Credit card companies must provide their customers with information about the terms and conditions of any agreements or contracts they enter into, including any fees or charges that may be incurred. If you have requested this information from Discover and have not received it, you should contact them again and ask for the information. If you can still not obtain the information you seek, consider speaking with a consumer protection agency or an attorney for further assistance.
Yes, you can generally use your Discover credit card to make purchases over the phone. Many merchants and businesses allow customers to place orders or make reservations by phone and pay with a credit card. To use your Discover credit card to purchase over the phone, you must provide the merchant with your credit card information, including the card number, expiration date, and security code.
It is a personal decision whether or not to use a particular credit card based on your values and beliefs. Suppose you are concerned about a credit card issuer’s charitable donations or political activities. Research their policies and practices to determine if they align with your values. Consider using a credit card from an issuer who does not engage in activities you find objectionable.