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Discover® Open Road(SM) Card

Credit Card Name Apply Now

Most Attractive: Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); no annual fee.

Least Attractive: Higher APR for less qualifying applicants.

Specifics

  • Introductory Rate: 0% Intro APR*
  • Applied Towards: Purchases, Balance Transfers
  • APR (Purchases): 11.99% The APR for purchases is based on the Prime Rate.
  • APR (Cash Advances): 23.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
  • Finance Configuration: Two Cycles Average Daily Balance (including new purchases)
  • Annual Fee: None
  • Additional Cardholders: $0
  • Grace Period: 25 Days (Min.)
  • Minimum Credit Limit: $5,000
  • Maximum Credit Limit: up to $50,000
  • Late Payment Fee: $19 on balances up to $250; $39 on balances over $250
  • Over-The-Limit Fee: $15 on balances up to $500; $39 on balances over $500
  • Cash Advance Fee: 3%, $5 minimum
  • Balance Transfer Fee: 3% for each balance transfer made under this offer

Reward Program Details

  • Points per Dollar: n/app
  • Additional Points: n/app
  • Point Details: n/app
  • Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.) (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
  • Yearly Limit: None

Review

With a low APR, this is a good choice for those with very good credit. 5% cashback on gas and auto maintenance purchases; the 5% rebate is limited to the first $100 in combined gas and auto maintenance each month. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Platinum card members can enroll in the Get More program and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, clothing/education, restaurants, travel and more). Exchange your cash reward for up to double the amount in gift cards or certificates from Discover Card Partners. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges. This card benefits those who will pay off their card each month and charge up to $1,200 on gas and auto maintenance each year (to maximize the rebate). Last Modified Date: 6/30/2009 12:00:00 AM

Additional Perks

Various 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.
See website for additional benefits.
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Important Notations

*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 11.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.

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