Credit Card Review & Application
- 0% intro APR on purchases and balance transfers for 14 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 2% automatically at gas stations and restaurants all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty - 16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
|Introductory Period:||14 months|
|APR on Purchases:||10.99% - 20.99% (variable)*|
|Card Issuer:||Discover Bank|
|Card Category:||Consumer (Regular)|
|Card Type:||- Instant Decision Card|
- Low Interest Credit Card
- No Foreign Transaction Fee Credit Card
- Reward Card
Discover Open Road Card is designed for consumers with excellent credit. It's a low interest credit card charging no annual fees. Card members earn automatic cash on applicable purchase transactions including everyday purchases.
An introductory APR period charges no interest on purchases, and balance transfers. This period lasts for over a long term (many months). Balance transfers from higher interest credit cards incur a 3% transfer fee. This fee is also applicable to cash advances. A two cycles daily average balance is used to determine card charges.
Email reminders for timely payment are delivered to members email. These reminders are a useful tool to help card members get through a busy schedule while avoiding late payment fees. Members are allowed to pay up over the phone or online.
A dedicated customer service takes members off the waiting list with live support guaranteed within 60 seconds. Fraudulent and unauthorized transactions are not billed to the card account. Fraud victims receive help from dedicated fraud specialists available round the clock. A complete fraud protection service will alert members on potentially fraudulent transactions. For discrete online purchasing, special card account numbers are used when purchasing items over the internet.
Grocery purchases less than $1,000 earn up to 2% cash bonus per transaction. Monthly gas and auto maintenance purchases up to $100 also earn 5% cash bonus. Everyday purchases automatically earn 1% cash back bonus. For even more rewards, card members may purchase goods from ShopDiscover, an exclusive online shopping site for Discover members. Products purchased from this site earn up to 20% cash back bonus.
Members are not restricted to a limit per year or billing cycle. There's no expiration date set for cash earned to expire. Rebates earned are easily exchanged for rewards with over 100 participating merchants and retailers.
Consumers who make regular purchases will find the Discover Open Road Card a good rewards card. Though rewards are some what limited to cash, it's still a reliable option to pad up the card balance or save for a next purchase.
* Credit lines are awarded based on credit worthiness. See card agreement/terms and conditions before applying.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Reward Types:||- Auto Reward Cards|
- Cash Back Reward Cards
- Gas Reward Cards
|Reward Unit Value:||$1.00|
|Rewards:||- 2% Cashback Bonus automatically at any gas station and any restaurant|
- 5% to 20% Cashback Bonus at over 200 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
|Other Benefits:||- Free Additional Cards|
- Several card designs to select from
- Various Internet account related services
- No liability for unauthorized transactions
- Up to $500,000 in travel accident insurance
- Fraud and security protection services
- Purchase protection
- Flight insurance
- Auto rental insurance
|Comments:||* See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on Discover's website.|
|Online Account Access:||Yes|
|Applied Towards:||Purchases, Balance Transfer|
|Introductory Period:||14 months*|
|APR on Purchases:||10.99% - 20.99% (variable)*|
|Grace Period:||25 days*|
|Min Finance Charge:||$0.50|
|Min Credit Line:||$5,000|
|Late Payment Fee:||N/A*|
|Transfer Fee (%):||3.00%|
|APR Cash Advances:||24.99%|
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† The information provided for Discover® Open Road® Card is believed to be accurate at the time of evaluation (Jan 3, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.