Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Discover Financial Services

discover.com

Card networks and card issuersCards and payments

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
855 of 2,219
its rank by overall score
Place in its category
7th of 14 card networks and issuers
Closing balance

Named in

6of 60 answers

by 4 of 4 assistants

Statement note

What this means for Discover Financial Services

AI assistants name Discover Financial Services in 10% of answers, which is more frequent than the typical company in its sector. Its overall score is 30 out of 100, ranking 855th of 2,219 companies. The website passes 3 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Discover Financial Services by name. AI assistants named it in 6 of the 60 answers. Counting only how often it is named, it ranks 73rd of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
30Overall score
  • Visibility14
  • Citations1
  • Sentiment50
  • Site quality80
  • AI readiness21
Summary of account
Named by AI in
10.0%
6 of 60 answers
Share of mentions
22.2%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 4
Rank in its sector
126 of 375
by overall score, where the typical cards and payments company scores 27

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Line itemsSection 01

Every question, and where the company came up

Discover Financial Services came up on 2 of 15 questions. Open any window to read that answer.

  1. 01Why was my online bank account application denied?0/4
  2. 02Typical interest rates for personal loans with good credit0/4
  3. 03What are some options besides home equity loans for funding major home improvements?0/4
  4. 04Best ways to use a cash back rewards card for monthly bills0/4
  5. 05How can a personal loan help manage medical expenses?0/4
  6. 06How much do online savings accounts pay in interest compared to traditional banks?0/4
  7. 07Alternatives to using a credit card for large purchases0/4
  8. 08Top-rated personal loans for consolidating high-interest debt3/4
  9. 09Other ways to earn rewards on everyday purchases without a credit card?0/4
  10. 10What are the best online banks for earning rewards on credit cards?3/4
  11. 11Online-only banks vs traditional banks for checking accounts0/4
  12. 12Is it worth applying for a home equity loan to pay for home renovations?0/4
  13. 13Cash back credit cards vs travel rewards cards: which is better for everyday spending?0/4
  14. 14Are no-annual-fee credit cards worth it for average consumers?0/4
  15. 15Common reasons a credit card payment might not be processed0/4
Total namedOpenAI: 2/15Claude: 1/15Perplexity: 1/15Gemini: 2/15All assistants: 6/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Claude actually said

An answer that names the company

Claudenamed the company

“Top-rated personal loans for consolidating high-interest debt”

… Discover offers the best debt consolidation loans for fair credit, requiring a credit score of at least 660 with loans of $2,500-$40,000 and interest rates of 7.99%-24.99%. Discover stands out for offering direct payments to your creditors, providing simplicity in the consolidation process.

For Building Credit:

Upgrade is the highest-rated lender for borrowers with imperfect credit, thanks to a lower credit score requirement, potential rate discounts and the ability to pre-qualify.

For Bad Credit:

Universal Credit is a good option for most borrowers, thanks to its parti …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Capital One
    3
  2. 02
    Bank of America
    3
  3. 03
    American Express
    2

Share of mentions

CompanyShare
  1. Discover Financial Services
    22.2%
  2. Chase (JPMorgan Chase & Co.)
    18.5%
  3. Capital One
    14.8%
  4. American Express
    14.8%
  5. Citi (Citibank)
    14.8%
  6. Bank of America
    14.8%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    28
  2. 02
    nerdwallet.com
    12
  3. 03
    experian.com
    11
  4. 04
    forbes.com
    10
  5. 05
    finance.yahoo.com
    9
  6. 06
    chase.com
    8
  7. 07
    investopedia.com
    7
  8. 08
    cnbc.com
    7
  9. 09
    wallethub.com
    6
  10. 10
    sofi.com
    5

Discover Financial Services is in the study as a card network or issuer.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
2/15
OpenAI
2/15
Claude
1/15
Perplexity
1/15
Market comparisonSection 06

How Discover Financial Services compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
14

How often AI assistants name the company, and how that compares with its peers

Citations
1

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
21

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with cards and payments companies

375 companies in this sector. The gold tick on each bar is the typical company.

Overall score
30
Ranks 126 of 375. Typical company: 27
Named in answers
10.0%
Ranks 73 of 375. Typical company: 0.0%
AI readiness
21
Ranks 216 of 375. Typical company: 29
Against its categorySection 08

Compared with card networks and issuers

14 companies in this category. The gold tick on each bar is the typical company.

Overall score
30
Ranks 7 of 14. Typical company: 30
Named in answers
10.0%
Ranks 6 of 14. Typical company: 7.5%
AI readiness
21
Ranks 6 of 14. Typical company: 21
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Discover Financial Services publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 25 of 100 · 97% of checks could run · checked on October 9, 2026 · www.discover.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

3 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 30 of 100 badge for Discover Financial Services

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/discover.com"><img src="https://aeo-audit.rezolve.com/finance/badges/discover.com.svg" alt="Overall score 30 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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