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Discover Open Road Credit Card

Discover® Open Road® Card

- 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

4.5 / 5.0 (21 votes)

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Information - Rates - Fees

Intro APR:

0%*

Applied Towards:

Purchases
Balance Transfer

Intro Period:

14 months*

APR:

10.99% - 20.99%*

APR Type:

variable

Annual Fee:

$0*

Issuer:

Discover Bank

Card Network:

Discover®

Card Category:

Consumer (Regular)

Card Type:

Instant Decision
Low Interest Rate
No Foreign Transaction Fee
Reward Card

Credit Needed:

Excellent*

Grace Period:

25 days*

Min Finance Charge:

$0.50

Min Credit Line:

$5,000

Late Payment Fee:

N/A*

Balance Transfers

Balance Transfer:

Yes

Transfer Fee (%):

3.00%

Cash Advances

APR on Cash Advances (%):

24.99%

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.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by CreditCardsLab

The Discover Open Road Card is a low interest credit card for members having excellent credit. Card members are entitled to an intro period. Regular purchases earn cash back bonuses useful for cash, and rewards from participating merchants and retailers. Gas and auto maintenance costs earn 5% cash back under certain conditions.

Card members are not required to pay an annual fee.

Internet related services including online account access provide unrestricted access to the card account with which members can keep abreast with past expenditure for easier budgeting or tax purposes. Online transactions are made secure with special account numbers being used and complete fraud protection charging no liability to victims of unauthorized card use.

Features

Most attractive:

- Double cash rebates at participating retailers & merchants (through the Cashback Bonus® reward program)
- No annual fee

Least attractive:

- "Two Cycles Average Daily Balance" method used to determine finance charges

Rewards & Benefits

Reward Types:

Auto Rewards
Cash Back Rewards
Gas Rewards

Reward Unit:

Cash

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

Expiration:

None

Yearly Limit:

None

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

Online Access:

Yes!

*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 fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.