The Discover is one of the best cards we have found to date. The fees are low and the offer so many services with their card. We get a monthly bill online and I can pay it online as well. We have had ours for almost a year and I wouldn't trade it for a capitol one or any of the other ones out there. We also have no yearly fees. This card has come in handy many, many times. IF you are looking for a great card, Discover is it.