Discover vs. Hero

Attribute	Discover	Hero
Definition	Find something unexpectedly or in the course of a search	A person who is admired or idealized for courage, outstanding achievements, or noble qualities
Origin	Middle English: from Old French descovrir, from late Latin discooperire, from Latin dis- (expressing reversal) + cooperire ‘to cover’	Old English hērō, hīrō, of Germanic origin; related to Dutch held and German Held, also to heron
Role	To bring to light, to make known or visible	To inspire, to lead by example
Characteristics	Curiosity, exploration, revelation	Courage, strength, leadership

Introduction

Discover and Hero are two popular credit cards that offer a range of benefits to their users. While both cards have their own unique features, it can be helpful to compare them side by side to determine which one may be the best fit for your financial needs. In this article, we will explore the attributes of Discover and Hero in terms of rewards, fees, customer service, and more.

Rewards

Discover is known for its generous cash back rewards program, offering up to 5% cash back on rotating categories such as gas stations, grocery stores, restaurants, and more. Users can also earn 1% cash back on all other purchases. On the other hand, Hero offers a flat rate of 2% cash back on all purchases, making it a simple and straightforward option for those who prefer consistency in their rewards. Additionally, Hero offers a sign-up bonus of $100 after spending $500 in the first three months, while Discover does not currently offer a sign-up bonus.

Annual Fees

Discover is known for its no annual fee policy, making it an attractive option for those who want to avoid paying extra fees. On the other hand, Hero charges an annual fee of $95, which may be a drawback for some users. However, the higher cash back rate offered by Hero may offset the annual fee for those who spend a significant amount on their credit card each year.

Interest Rates

Both Discover and Hero offer competitive interest rates for cardholders who carry a balance. Discover's APR ranges from 11.99% to 22.99%, depending on the cardholder's creditworthiness. Hero, on the other hand, offers a fixed APR of 15.99%, which may be a more attractive option for those who prefer predictability in their interest rates. It's important to note that both cards offer a 0% introductory APR period on purchases and balance transfers, making them a good option for those looking to save on interest charges.

Customer Service

Discover is known for its excellent customer service, with 24/7 phone support and a user-friendly website that makes it easy to manage your account online. Hero also offers 24/7 phone support, but some users have reported longer wait times when calling customer service. Additionally, Hero's website may be less intuitive to navigate compared to Discover's, which could be a drawback for users who prefer a seamless online experience.

Additional Benefits

Discover offers a range of additional benefits to cardholders, including purchase protection, extended warranty coverage, and access to the Discover Deals shopping portal. Hero, on the other hand, offers travel insurance, rental car insurance, and roadside assistance as additional benefits. Depending on your spending habits and lifestyle, you may find one card's benefits more appealing than the other.

Conclusion

In conclusion, both Discover and Hero have their own unique attributes that may appeal to different types of cardholders. Discover's generous cash back rewards program and no annual fee policy make it a popular choice for those who want to earn rewards without paying extra fees. On the other hand, Hero's flat rate cash back and additional benefits may be more appealing to users who value simplicity and added perks. Ultimately, the best credit card for you will depend on your individual financial goals and spending habits.