Last week’s trivia answer

I trace my roots back to 1985, when a Sears employee tested a new credit card. A year later, Dean Witter Reynolds, then a financial services subsidiary of Sears, debuted that card. It was unusual because it charged no annual fee, sported a higher-than-average credit limit and offered cash rewards to users. That card is under my roof now, and its name is part of mine. Today, with a market value near $21 billion, I’m one of America’s largest card issuers. I offer banking services, too, and charge no fees on deposit products such as checking accounts. Who am I? (Answer: Discover Financial Services)