Apply for the Discover® Open Road(SM) Card now

Discover® Open Road(SM) Card

INTRO APR 0% Intro APR*
APR 10.99%
ANNUAL FEE $0
BENEFIT RATING

OVERALL RATING

MAXIUM CREDIT LIMIT $50,000

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Overview

The Discover® Open Road(SM) Card, issued by Discover, is designed for those with very good credit who would like to earn cash rewards on gas and auto maintenance expenses.

Through the reward program, cardholders earn a full 5% in cash rebates for gas and auto maintenance purchases, up to 1% for general purchases, and .25% for purchases made at select warehouse clubs and discount stores.

Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a full 1% rebate.*

This card also offers a variable rebate on gas and auto maintenance purchases. Those who spend up to $1,200 will receive a full 5% rebate, between $1,200 and $1,500 will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.

As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners.

In addition to the reward program, the card also provides several platinum benefits, including travel accident insurance, auto rental insurance, and various fraud and security protection services.

This card has an attractive 0% introductory rate on purchases for six months and a 0% introductory rate on balance transfers for twelve months. The APR for this card is reasonable, although it is important to note that only higher qualifying applicants will receive the lowest rate available.

Therefore, those who plan to spend up to $1,200 a year on gas and auto maintenance expenses (to earn the full 5% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® Open Road(SM) Card has to offer.

*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

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

Least Attractive Feature
Higher APR for less qualifying applicants.

Additional Benefits
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.

Rates & Fees

Card Category: Gas Rewards

Introductory Rate: 0% Intro APR*

Applied Towards: Purchases, Balance Transfers

Introductory Rate Details: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

APR (Purchases): 10.99%

APR (Cash Advances): 23.99%

Finance Configuration: Two Cycles Average Daily Balance (including new purchases)

Annual Fee: $0

Additional Cardholders: $0

Grace Period: 25 Days (Min.)

Minimum Credit Limit: $5,000

Maximum Credit Limit: $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

Important Notations: *The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.

Rewards

Points per Dollar:

Additional Points:

Applied Towards:

Point Details:

Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.)

Yearly Limit: None

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