For transparency, I only signed up for a Discover card recently because they had a 15 month 0% balance transfer promotion, which is what I’ve been looking for. In general it’s seemed like their rewards were not outstanding and you had to deal with potentially not having the card accepted elsewhere.

My receiving bank botched the transfer and the funds were missing for a bit. Discover was excellent – every time I called there was a minimal wait for a U.S. based customer support agent that I could understand clearly and was knowledgeable about the situation. I was surprised.

I get that you may go years without ever needing to contact support, but it definitely quickly made a difference for me.