Pros: No annual fee
Cons: too big to fail, customer service is a joke
The Discover disputes department is extremely incompetent. Discover should not be allowed to state "zero fraud liability" on their brochures given their inability or unwillingness to know fraud when they see it. They also wrote to me that the disputed status of the owed amounts will be noted on their reports to the credit agencies, but then reported the account delinquent without mentioning the continued dispute. Discover is a disgrace.