topic Re: Amex or Discover? in SmorgasBoard

Amex or Discover?

pinkandgrey — Tue, 16 Apr 2019 20:20:18 GMT

I’m just looking to stir up controversy. No lol but I am curious as to which of the two “outsiders” you all prefer. I know some people (such as myself) love them both but have a special affection for Discover. And then there are those who hate Disco. Or maybe you don’t like either....

Go!

Re: Amex or Discover?

Remedios — Tue, 16 Apr 2019 20:24:33 GMT

@pinkandgrey wrote:
I’m just looking to stir up controversy. No lol but I am curious as to which of the two “outsiders” you all prefer. I know some people (such as myself) love them both but have a special affection for Discover. And then there are those who hate Disco. Or maybe you don’t like either....
Go!

I'll play a different game with you...when you say Amex, what exactly are you talking about? I mean, are we to agonize over grocery spending or business credit?

Re: Amex or Discover?

Anonymous — Tue, 16 Apr 2019 20:25:54 GMT

I think Amex is the clear winner here...

Re: Amex or Discover?

Streetervillelady — Tue, 16 Apr 2019 20:29:44 GMT

@Anonymous wrote:
I think Amex is the clear winner here...

Re: Amex or Discover?

pinkandgrey — Tue, 16 Apr 2019 20:39:38 GMT

@Remedios wrote:
@pinkandgrey wrote:
I’m just looking to stir up controversy. No lol but I am curious as to which of the two “outsiders” you all prefer. I know some people (such as myself) love them both but have a special affection for Discover. And then there are those who hate Disco. Or maybe you don’t like either....
Go!

I'll play a different game with you...when you say Amex, what exactly are you talking about? I mean, are we to agonize over grocery spending or business credit?

Hmmmm.... I suppose I’m talking more about the “usual suspects”, the personal revolvers such as the BCE, ED, etc.

Re: Amex or Discover?

Anonymous — Tue, 16 Apr 2019 22:24:32 GMT

I had Amex years ago and it was an ok card.

As soon as my discover comes in the mail, I'll decide which is better then. Discover gets big kudos for a generous starting line But, it may be hard to compare since they're both good for different things.

Side note... my chase slate was my preferred card over the Amex though

Re: Amex or Discover?

pinkandgrey — Tue, 16 Apr 2019 23:33:26 GMT

@Anonymous wrote:
I had Amex years ago and it was an ok card.

As soon as my discover comes in the mail, I'll decide which is better then. Discover gets big kudos for a generous starting line But, it may be hard to compare since they're both good for different things.

Side note... my chase slate was my preferred card over the Amex though

Uh oh we have a Chase vote lol. I’ll be curious to see which you like better. Honestly my love for Discover has a lot to do with the customer service and CLI availability... sorry, AJC

Re: Amex or Discover?

kerplunk — Tue, 16 Apr 2019 23:35:44 GMT

Discover was my second credit card (15 years ago). They have always been good to me. Never had an issue with them. Low interest rates, nice modern/clean web interface, highest credit line of all my cards, excellent customer service. No complaints here.

American Express makes me feel special. There is something unique about having an AmEx. Their customer service is great, friendly, and tries hard, but doesn't always give accurate information. The offers are cool.

Discover is the equivalent of a really great Honda car that is dependable and gets you through your younger years, while American Express is a fussy Bentley.

Re: Amex or Discover?

pinkandgrey — Tue, 16 Apr 2019 23:48:42 GMT

@kerplunk wrote:
Discover was my second credit card (15 years ago). They have always been good to me. Never had an issue with them. Low interest rates, nice modern/clean web interface, highest credit line of all my cards, excellent customer service. No complaints here.

American Express makes me feel special. There is something unique about having an AmEx. Their customer service is great, friendly, and tries hard, but doesn't always give accurate information. The offers are cool.

Discover is the equivalent of a really great Honda car that is dependable and gets you through your younger years, while American Express is a fussy Bentley.

And yet we all want that Bentley. Lol I like this analogy.

Re: Amex or Discover?

Anonymous — Wed, 17 Apr 2019 00:15:56 GMT

Discover has always treated me well. Also their fraud prevention is awesome. Don't know much about Amex, Costco made us switch to Citi when they changes their "credit partnership."

Re: Amex or Discover?

simplynoir — Thu, 18 Apr 2019 03:25:39 GMT

@kerplunk wrote:
Discover is the equivalent of a really great Honda car that is dependable and gets you through your younger years, while American Express is a fussy Bentley.

One could make the argument following this analogy that some people shouldn't get the Bentley if they can't afford the upkeep.

Re: Amex or Discover?

Anonymous — Wed, 17 Apr 2019 00:28:14 GMT

Getting into the credit card game, Discover always seemed like a budget brand and AMEX was the royalty one. I think a lot of people outside the game think that too.

Now looking at Discover with what i have learned so far, they are the company who have gave a lot of people a new lease on credit life after hardships and that’s why they are loved. And if cash back is your game, you are gonna have a Discover with you.

But I love my AMEX. Gold card does turn a head or two. Fits my spending and what I want from a card. But definitely will add a Discover down the line for me.

Re: Amex or Discover?

simplynoir — Wed, 17 Apr 2019 00:29:29 GMT

@pinkandgrey wrote:
@Remedios wrote:
@pinkandgrey wrote:
I’m just looking to stir up controversy. No lol but I am curious as to which of the two “outsiders” you all prefer. I know some people (such as myself) love them both but have a special affection for Discover. And then there are those who hate Disco. Or maybe you don’t like either....
Go!

I'll play a different game with you...when you say Amex, what exactly are you talking about? I mean, are we to agonize over grocery spending or business credit?
Hmmmm.... I suppose I’m talking more about the “usual suspects”, the personal revolvers such as the BCE, ED, etc.

I think it's based on what you want. If you're looking for cold hard cash it's Disco, anything else it's AMEX. Having said that AMEX ain't perfect and anecdotally they treat customers with higher spend better especially once you get higher up the tree. This goes with their cards such as Gold/Platinum and HVCMs with their tier tree. Disco from what I've gathered treat everyone the same and their customer service is highly regarded so that's a big plus to them.

Re: Amex or Discover?

pinkandgrey — Wed, 17 Apr 2019 16:15:39 GMT

@simplynoir wrote:
@kerplunk wrote:
Discover is the equivalent of a really great Honda car that is dependable and gets you through your younger years, while American Express is a fussy Bentley.
One could make the argument following this analogy that someone people shouldn't get the Bentley if they can't afford the upkeep.

Oooh we’re getting deep now

Re: Amex or Discover?

RicHowe — Wed, 17 Apr 2019 23:17:07 GMT

I'd like to derail this topic by offering the Credit One NASCAR card up for consideration. Now if they offered the Credit One NASCAR American Express card, then all bets are off. I mean with APRs STARTING at 20.24% for those with excellent credit and 2% cash back at the NASCAR.com Superstore, really, is there a more deserving card for your wallet?

Re: Amex or Discover?

Subexistence — Wed, 17 Apr 2019 23:55:18 GMT

I like my Amex more cause it has a higher limit and I used it more. I'll never forget Disco for being the first love.

Re: Amex or Discover?

Brian_Earl_Spilner — Thu, 18 Apr 2019 06:38:00 GMT

I like them both for different reasons. Both have nice websites and apps. Love Disco's customer service. Love the immediate payment credits on amex. Being able to SP for new cards is a plus. Disco fits me 2 quarters of the year. But to be honest, the moment I get back in with Chase, UR will get my spend. I find more value there than what Amex offers.

Re: Amex or Discover?

pinkandgrey — Thu, 18 Apr 2019 13:28:42 GMT

@RicHowe wrote:
I'd like to derail this topic by offering the Credit One NASCAR card up for consideration. Now if they offered the Credit One NASCAR American Express card, then all bets are off. I mean with APRs STARTING at 20.24% for those with excellent credit and 2% cash back at the NASCAR.com Superstore, really, is there a more deserving card for your wallet?

Daaaang I’m not gonna sleep until I get that one. Some lenders just know what’s practical

Re: Amex or Discover?

pinkandgrey — Thu, 18 Apr 2019 13:29:03 GMT

@Subexistence wrote:
I like my Amex more cause it has a higher limit and I used it more. I'll never forget Disco for being the first love.

Yeah this is my thought too

Re: Amex or Discover?

Subexistence — Thu, 18 Apr 2019 15:25:14 GMT

@pinkandgrey wrote:
@Subexistence wrote:
I like my Amex more cause it has a higher limit and I used it more. I'll never forget Disco for being the first love.
Yeah this is my thought too

Also I'm in college and 20 yrs old and people are always surprised when I tell them my Amex limit is my own without AU. They keep telling me to get the famed Gold card but I keep insisting that I don't pay for repute.