There is no interest if you pay the balance in full every month. I’ve had a Discover card for 20 years and have never paid a penny in interest.I hear what your saying, but that temporary lending structure isn't a balancing beam I like to be on. It seems silly to pay interest in exchange for convenience, and I don't live a lifestyle that would take advantage of rewards programs and such. I use a pre-paid visa for paying online bills and so forth, so whoever did it only got about $100. Counting myself lucky for that.