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Discover Bank Promotions

Read our in-depth review of Discover to see why Discover scored 4.8 stars out of 5. We like their high yield, cashback checking, and 24/7 customer service.

    $150

    Discover Online Savings - $150 Cash Bonus

    To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 2/3/20, 11:59 PM ET, online or by phone. Enter Offer Code CY120 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 2/17/20, 11:59 PM ET. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 3/2/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.

    Expires 2/3/2020
    $200

    Discover Online Savings - $200 Cash Bonus

    To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 2/3/20, 11:59 PM ET, online or by phone. Enter Offer Code CY120 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 2/17/20, 11:59 PM ET. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 3/2/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.

    Expires 2/3/2020

    Certificate of Deposit

    • 2.00% APY for 12-month term
    • 2.05% APY for 24-month term
    • 2.10% APY for 5-year term

    Online Checking Account - Earn Cash Back

    • 1% cash back on up to $3,000 in debit card purchases each month
    • No fees
    • Access to over 60,000 no-fee ATMs in the U.S.

    Money Market Account

    • Earn 1.55% APY for balances under $100,000
    • Earn 1.60% APY for balances $100,000 and over

    IRA Certificate of Deposit

    • 2.00% APY for 12-month term
    • 2.05% APY for 24-month term
    • 2.10% APY for 5-year term
    $30

    Discover Cashback Checking – Up to $30/Month Cashback

    Earn 1% cash back on up to $3,000 in debit card purchases each month, for a total of up to $30 cashback per month. Discover Cashback Checking has no minimum balance requirement, no fees, and free online bill pay.

Compare Promotions

    CIT

    Savings Builder High Yield Savings - 1.80% APY

    Earn up to 1.80% APY. Here's how it works: Maintain a minimum balance of $25k OR make at least a $100 minimum deposit every month.

    Chase

    Chase Sapphire℠ Checking

    • Enjoy a $1,000 welcome bonus when you join Sapphire℠ Banking. Within 45 days, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs) and maintain that balance for 90 days.
    • Enjoy a new kind of banking experience
    • No ATM fees worldwide - down the street or around the globe
    • Perks that add up - relationship rates, special access and help when you need it
    • Open online
    • Email my upgrade code
    • Available in: AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MS, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV
    HSBC

    HSBC Advance Checking - Up to $350 Cash Back

      Get up to $350 with a 2% Cash Back Checking Offer when you open a new HSBC Advance checking account and complete the following qualifying activities.
    • Open your new HSBC Advance checking account by March 1, 2020; and
    • Set up Qualifying Direct Deposits into your new HSBC Advance checking account; and then
    • Enjoy 2% Cash Back on Qualifying Direct Deposits into your new HSBC Advance checking account, up to $30 per month, during the first 12 calendar months after account opening — up to $350
    • You will automatically receive the 2% Cash Back in your new HSBC Advance checking account approximately eight weeks after completing that month's qualifying activities.
    • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
    Expires 3/1/2020

About Discover Bank

Discover Bank offers some of the highest interest rates for its savings account. In addition, Discover offers cashback checking. There are no fees for checking and savings accounts.

How to Get the Best Bonus at Discover Bank

Discover Bank frequently offers cash bonuses. Keep your eye out on our page for Discover bank promotions. If you see a coupon, be aware of when the offer expires.

Cash bonus offers will usually require a promo code. In that case, we will provide the Discover offer code. Discover sign up bonuses are available to residents nationwide.

    Discover

    Discover Online Savings - $150 Cash Bonus

    To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 2/3/20, 11:59 PM ET, online or by phone. Enter Offer Code CY120 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 2/17/20, 11:59 PM ET. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 3/2/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.

    Expires 2/3/2020
    Discover

    Discover Online Savings - $200 Cash Bonus

    To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 2/3/20, 11:59 PM ET, online or by phone. Enter Offer Code CY120 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 2/17/20, 11:59 PM ET. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 3/2/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.

    Expires 2/3/2020

Is Discover Banking good?
We rank Discover Bank as one of the top online banks in the nation. Discover offers some of the highest interest rates on savings products. There are no fees including minimum or service fees for Discover checking accounts and Discover savings accounts. Even though it's an online bank, it's easy to access your money through over 60,000 no-fee ATMs across the country. Compare the requirements and you'll see why the Discover Savings bonus is a promotion you should not ignore.

Read our full review of the pros and cons of Discover Bank.

Discover Savings Bonus: $150/$200 Offer

  • Maximum Bonus: $200
  • Qualifying Deposit: $15,000+ for $150 bonus or $25,000+ for $200 savings bonus
  • APY: 1.7%
  • Fees: None
  • Compound: Daily, Paid Monthly
  • FDIC Insurance: Yes, up to $250,000
  • Available: Nationwide
  • Direct Deposit: Not Required
  • Credit Check: Soft Inquiry

  • Discover Savings Bonus Offer is not valid for existing or prior Discover savings customers (or those with co-branded savings accounts or affinity accounts provided Discover).
  • Account must be open when Discover Savings bonus is credited.
  • Bonus is considered interest and will be reported on IRS Form 1099-INT.
  • Discover will conduct a soft pull on your credit. This does not affect your credit.

Discover Checking Account Bonus

Earn up to $360 cash back bonus per year with a Discover Cashback Checking account. Benefits include no monthly fees, no balance or activity requirements, and over 60,000 no-fee ATMs. Here's how the cash back work: spend $3,000 in debit card purchases each month to earn $30 monthly cash back. That equals $360 yearly cash back.

What to Open at Discover Bank

  • Cashback Checking. You earn 1% cash back on up to $3,000 in debit card purchases each month (up to $30/month). There is no minimum balance requirement. Discover Bank has no fees. That includes no fee to reorder checks or replace debit card. There are over 60,000 no-fee ATMs.

    The Discover debit card also has no foreign transaction fee, which is rare for debit cards.

  • Online Savings Account. Discover online savings account offers a high 1.7% APY with no monthly service fee or minimum opening deposit. Though it may not be the highest APY on the market, you can often find Discover bank promotions offering a cash bonus. The Discover Savings bonus usually requires a minimum deposit to qualify.

  • Money Market Account. The Money Market account offers a high, competitive APY and more money flexibility. You get a free debit card and checks. You can write checks, pay bills, and make debit card purchases (up to 6 of these types of transactions per month). You can make unlimited ATM withdrawals.

    The minimum to open is $2,500. After that, there is no minimum balance requirement.

  • 12-month CD. Discover offers one of the best APYs for a 12-month CD. The minimum deposit to open is $2,500. If you can commit to not touching that money for a year, then you'll get a higher APY than with the regular savings account.

  • Discover credit cards. Discover Bank offers some popular credit cards, all with no annual fee. You can find a wide array of options, including credit cards for cash back, travel rewards, student, business, and bad credit. All Discover credit cards have no foreign transaction fee.

Is Discover Bank FDIC insured?
Discover Bank accounts are safe and offers some of the highest interest rates on online savings. Discover Bank checking and savings are FDIC insured up to $250,000. This means:

  • All individual accounts combined are insured up to $250,000
  • All joint accounts combined are insured up to $250,000
  • All Traditional and Roth IRA accounts combined are insured up to $250,000

What Not to Open at Discover Bank

  • Short term CDs. For CD terms less than 12 months, the interest rate isn't great. In this case, it's much better to just save your money into the Discover Online Savings Account.

What You Need to Apply

  • Social Security number or taxpayer ID
  • Name and address
  • Date of birth
  • Email and phone number
  • Account information to fund your account

Monthly Fees

Discover Bank has no fees at all. Many other banks have a monthly fee if you do not meet a minimum balance or direct deposit requirement. With Discover, there are no fees and it is still a member FDIC bank so your money is safe.

Cashback Checking:

  • $0 monthly service fee
  • $0 ATM fee at over 60,000 ATMs in the US
  • $0 for online bill pay
  • $0 for check order
  • $0 for replacement debit card
  • $0 for official bank check
  • $0 for outbound ACH transfers
  • $0 for deposited item returned
  • $0 for incoming wire
  • $0 for stop payment
  • $0 insufficient funds fee

Online Savings:

  • $0 monthly service fee
  • $0 for official bank check & expedited delivery
  • $0 for deposited item returned
  • $0 for incoming wire
  • $0 for each excessive withdrawal
  • $0 for stop payment order
  • $0 insufficient funds fee

Money Market:

  • $0 minimum balance fee
  • $0 ATM fee at over 60,000 ATMs in the US
  • $0 for check order
  • $0 for replacement debit card
  • $0 for deposited item returned
  • $0 for incoming wire
  • $0 for each excessive withdrawal
  • $0 for stop payment
  • $0 insufficient funds fee

Certificate of Deposits:

  • $0 monthly service fee
  • $0 for official bank check
  • $0 for incoming wire

Discover Bank Locations

Discover is an online bank, which means you can't just walk into a neighborhood branch to do business and ask questions.

Discover only has 2 physical locations in Delaware:

  • A full service bank at 502 E. Market Street, Greenwood, DE
  • An administration office at 12 Read's Way, New Castle, DE

Common Questions

  • Is Discover a bank?
    Discover is an online bank based in Greenwood, Delaware. It was originally established in 1911 as Greenwood Trust Company and was acquired by Discover in 1985. Discover offers a full range of services, including online banking, loans, and Discover credit cards.

  • Is Discover bank safe?
    Yes, though it's an online bank, Discover Bank is FDIC insured. That means you are protected against the loss of your deposit if the bank fails, up to $250,000. This makes Discover a good place to save and earn more interest on your savings.

  • Does Discover Bank offer checking accounts?
    Yes, Discover offers a Cashback Debit checking account with no minimum balance or activity requirements and no fees. You earn 1% cash back on up to $3,000 in debit card purchases each month (up to $30/month).

  • How do I withdraw money from my Discover bank account?
    You can withdraw money from your Discover checking account in these ways:

    • No-fee cash withdrawals at over 60,000 Allpoint® and MoneyPass® ATMs
    • Online transfers to an external bank account
    • Choose additional cash over when you pay for purchases with your debit card
    • Checks (check orders are free)
    • Wire transfers ($30 charge for outgoing wire transfers)

    Discover savings account does not offer an ATM card. You can withdraw by transferring funds to your Discover checking account or to an external bank account.

    Federal law limits you to 6 withdrawals and transfers per month for savings accounts. However, there are no limits on official checks mailed to you.

  • How long does it take to deposit money to Discover?
    Funds from ACH credit transfers and wire transfers initiated at an external bank to Discover will be available for withdrawal on the business day they receive the deposit.

    Funds from ACH transfers initiated at Discover Bank (to be withdrawn from your external bank account) are generally available within 4 business days after the date your request was initiated.

    Sometimes the availability of funds may be delayed up to 10 business days. For instance, if you are a new customer or if you have overdrawn your account repeatedly in the last 6 months.

    Note: Business Days are Monday through Friday, excluding Federal Reserve Bank Holidays.

  • How often is Discover savings account compounded?
    Discover Online Savings offers 1.7% APY. The interest is compounded daily and deposited monthly. You'll start earning interest as soon as you deposit money into a Discover savings account.

  • Can you deposit cash with Discover Bank?
    Discover Bank does not accept ATM cash deposits. Customers can deposit cash into a separate checking account, such as one with a local bank or credit union, and then transfer the money into a linked Discover Bank account.

  • Can I have 2 Discover Savings Accounts?
    Discover Bank has no limit on the number of online savings accounts you can open. Discover Savings bonus will only apply to the first account you open. But each savings account will earn the same high interest rate.

What Banks Give Bonuses for Opening Accounts?

    Discover

    Discover Online Savings - $150 Cash Bonus

    To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 2/3/20, 11:59 PM ET, online or by phone. Enter Offer Code CY120 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 2/17/20, 11:59 PM ET. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 3/2/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.

    Expires 2/3/2020
    Discover

    Discover Online Savings - $200 Cash Bonus

    To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 2/3/20, 11:59 PM ET, online or by phone. Enter Offer Code CY120 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 2/17/20, 11:59 PM ET. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 3/2/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.

    Expires 2/3/2020

    CIT

    CIT Savings Builder - $200 Cash Bonus

    Open a Savings Builder account with a minimum of $100 and enter the promo code, Bonus20. Fund your new account within 15 calendar days of the open date and meet one of the minimum balance requirements. Deposit $25,000 to $49,999 for $100 bonus or $50,000+ for $200 bonus. Maintain the minimum balance for 90 calendar days.

    Expires 4/16/2020
    Chase

    Chase Total Checking® + Chase Savings℠

    • Enjoy up to $350 when you open a new Chase Total Checking® account with Direct Deposit and/or open a new Chase Savings℠ account, deposit $10,000 or more in new money and maintain a $10,000 balance for 90 days
    • Enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit
    • Enjoy a $150 bonus when you open a new Chase Savings℠ account, deposit a total of $10,000 or more in new money within 20 days, and maintain a $10,000 balance for 90 days
    • Access to 16,000 Chase ATMs and nearly 4,900 branches
    • Open your account online now.
    • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
    • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
    CIT

    CIT Savings Builder - $100 Cash Bonus

    Open a Savings Builder account with a minimum of $100 and enter the promo code, Bonus20. Fund your new account within 15 calendar days of the open date and meet one of the minimum balance requirements. Deposit $25,000 to $49,999 for $100 bonus or $50,000+ for $200 bonus. Maintain the minimum balance for 90 calendar days.

    Expires 4/16/2020

    Chase

    Chase Sapphire℠ Checking

    • Enjoy a $1,000 welcome bonus when you join Sapphire℠ Banking. Within 45 days, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs) and maintain that balance for 90 days.
    • Enjoy a new kind of banking experience
    • No ATM fees worldwide - down the street or around the globe
    • Perks that add up - relationship rates, special access and help when you need it
    • Open online
    • Email my upgrade code
    • Available in: AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MS, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV
    Chase

    Chase Total Business Checking®

    • Get $200 as a new Chase business checking customer, when you open a Chase Total Business Checking® account with qualifying activities
    • Access to 16,000 ATMs and nearly 4,900 Chase branches
    • Chase has business specialists at your local branch to help with your business needs
    • Account Alerts are a great way to stay on top of your account's activity and enhance security
    • Unlimited electronic deposits at no charge, including Chase QuickDeposit℠, ACH and ATM
    Chase

    Chase Premier Plus Checking℠

    • Enjoy $300 as a new Chase checking customer, when you open a Chase Premier Plus Checking℠ account and set up direct deposit.
    • Enjoy $300, more benefits, and earn interest on your new Chase checking account.
    • The $25 Monthly Service Fee is waived when you keep an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances.
    • No Chase fee on first four non-Chase ATM transactions per statement period.
    • Earn interest on your checking account balance.
    • Access to 16,000 Chase ATMs and nearly 4,900 branches
    • Open your account online now.
    • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

    Highlights

    Savings
    1.70% APY
    CD
    0.35% to 2.20% APY. Terms of 3 months to 10 years. 12-month CD APY of 2.00%. Minimum deposit of $2,500 to open.
    Checking
    Earn 1% cashback on up to $3,000 in debit card purchases each month
    Money Market
    1.55% APY under $100,000; 1.60% APY $100,000 or more. $2,500 minimum deposit.
    Customer Service
    24/7
    ATMs
    Over 60,000 no-fee ATMs
    IRA CD
    12-month CD APY of 2.00%. 24-month CD APY of 2.05%. 5-year CD APY of 2.10%.
    Locations
    Online Only

    More Information

  • Pricing information from published website as of 10/31/2019
  • For the complete terms and conditions, view the merchant's website. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the merchant's website.
 Discover Bank
 Visit SiteLearn More
 

Discover Bank

Ally Bank

 

Benefits and Features

Savings
1.70% APY
1.60% APY
CD0.35% to 2.20% APY. Terms of 3 months to 10 years. 12-month CD APY of 2.00%. Minimum deposit of $2,500 to open.0.75% to 2.15% APY. Terms of 3 months to 5 years. 12-month CD APY of 2.00%
CheckingEarn 1% cashback on up to $3,000 in debit card purchases each month0.10% APY under $15,000; 0.50% APY $15,000 or more
Money Market1.55% APY under $100,000; 1.60% APY $100,000 or more. $2,500 minimum deposit.
0.75% APY
Customer Service
24/7
24/7
ATMs
Over 60,000 no-fee ATMs
Over 43,000 no-fee Allpoint ATMs
IRA CD12-month CD APY of 2.00%. 24-month CD APY of 2.05%. 5-year CD APY of 2.10%. 
Locations
Online Only
Online Only
 Visit SiteLearn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Discover: Pricing information from published website as of 10/31/2019

Ally Bank: Pricing information from published website as of 01/22/2020.


Discover Alternatives

    Chase

    Chase Sapphire℠ Checking

    • Enjoy a $1,000 welcome bonus when you join Sapphire℠ Banking. Within 45 days, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs) and maintain that balance for 90 days.
    • Enjoy a new kind of banking experience
    • No ATM fees worldwide - down the street or around the globe
    • Perks that add up - relationship rates, special access and help when you need it
    • Open online
    • Email my upgrade code
    • Available in: AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MS, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV
    Huntington

    Asterisk-Free Checking Account - $150 Bonus

    Open a Huntington Asterisk-Free Checking account online. Make total deposits of at least $1,000 within 60 days of account opening. Your bonus of $150 will be deposited in your Asterisk-Free checking account after all requirements are met and your account is open for 90 days. This offer is available to applicants residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, and West Virginia.

    CIT

    Savings Builder High Yield Savings - 1.80% APY

    Earn up to 1.80% APY. Here's how it works: Maintain a minimum balance of $25k OR make at least a $100 minimum deposit every month.

    HSBC

    HSBC Advance Checking - Up to $350 Cash Back

      Get up to $350 with a 2% Cash Back Checking Offer when you open a new HSBC Advance checking account and complete the following qualifying activities.
    • Open your new HSBC Advance checking account by March 1, 2020; and
    • Set up Qualifying Direct Deposits into your new HSBC Advance checking account; and then
    • Enjoy 2% Cash Back on Qualifying Direct Deposits into your new HSBC Advance checking account, up to $30 per month, during the first 12 calendar months after account opening — up to $350
    • You will automatically receive the 2% Cash Back in your new HSBC Advance checking account approximately eight weeks after completing that month's qualifying activities.
    • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
    Expires 3/1/2020

Articles on Discover Bank

    Discover Bank

    Discover offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account.

    Discover Savings Bonus

    Want a high yield savings account? Discover Bank has a bonus promo for opening your first savings account, plus a % APY and no fees. Find out how to qualify for the Discover Savings bonus.

    Discover Savings Review

    Discover Bank online savings account offers a high interest rates and no monthly fees. But is it the right place for your money? Read on to find out, plus the best way to open an account.

    Discover Checking Review

    With Discover Bank's Cashback Debit account, you'll pay no fees and earn money for purchases. Learn more about these benefits—and some downsides—in our guide.

    Discover CD Rates

    Discover Bank's CD account offers high rates and no hidden fees. But is the term worth it? Read this review before you open a CD.

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