Discover® Open Road Card
Issued by Discover
Discover® Open Road Card
Overall Rating
4
Benefit Rating
3.5
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Review for Discover® Open Road Card Card


The Discover® Open Road 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 2% Cashback Bonus automatically at any gas station and any restaurant. In addition, you'll earn a full 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000, and other purchases that are part of your first $3,000 will earn .25%.

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 rewards 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 APR on purchases for 6 months. There is also a 0% introductory APR on balance transfers for 12 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 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 Card has to offer.



Most Attractive Feature(s):   No annual fee.

Least Attractive Feature(s):   Higher APR for less qualifying applicants.

Rates and Fees for Discover® Open Road Card Card


Introductory Rate Offer: 0% APR on Purchases and Balance Transfers
Intro Applied To: Purchases, Balance Transfers
Intro 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 for Purchases: 11.99% - 20.99% (V)*
APR for Cash Advances: 23.99%
Method of Computing Balance: Average Daily Balance (including new purchases)
Annual Fee: $0
Annual Fee for Additional Cardholders: $0
Grace Period: 25 Days (Min.)
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: 5%, $10 minimum
Balance Transfer Fee: 3% for each balance transfer made under this offer, thereafter, other offers may have a fee of up to 5%, with a $10 minimum and no maximum.
Minimum Credit Limit:
Maximum Credit Limit:



Rewards for Discover® Open Road Card Card


Type of Reward: Rebate
Reward Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.)
Reward Yearly Limit: None
Rebate Minimum: .25%
Rebate Maximum: 2%
Additional Rebates: Earn a full 2% Cashback Bonus on your first $250 in combined gas and restaurant purchases each billing period. Combined gas and restaurant purchases in excess of $250 each billing period earn Cashback Bonus at the same rate as other purchases.
Rebate Details: Earn a full 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $3,000 earn .25%.
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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