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Apply online for Discover<sup>®</sup> Open Road Card
  • Discover® Open Road Card

  • This card is best for consumers that spend in gas and restaurant categories each month, tend to be higher spenders, are looking for a good low introductory rate and do not revolve a balance.
  • Apply on line for Discover<sup>®</sup> Open Road Card
 
  • Intro APR
  • 0%
  • Regular APR
  • 10.99% - 19.99%
  • Intro APR Period
  • 15 months
  • Credit Score
  • Credit Score
    Excellent
  • Card Category
  • Balance Transfer, Cash Back, Gas, Low Interest, Low Intro Rate, Low Ongoing Rate, Reward
 
Credit Type
  Required Score
Excellent Credit
  750 — 850
Good Credit
  690 — 749
Fair Credit
  640 — 689
Poor Credit
  Poor
It is ok to estimate your credit. If you do not know your credit score you can get your free credit score instantly here
Curtis Arnold

Credit Card Review

 by Card Expert Curtis Arnold
Here is a card where you can earn double cashback rewards on your first $250 in combined gas and restaurant purchases each month. The card member earns 1% unlimited bonus on all purchases after the total annual purchases exceeds $3,000; other purchases that are part of your first $3,000 earn 0.25%. This card includes 20% bonus rewards through online shopping at Discover.com. Rewards increase for every redemption for gift cards or instant eCertificates from over 200 brand-name partners. There an introductory 0% APR on balance transfers and purchases and no annual fee. Downside: Although the APR can be below average for a rewards card if you have excellent credit, the APR can be on the high end if you do not.
 

Discover® Open Road Card Details

Card Issued By:
Discover
General Correspondence Address:
PO Box 30943 Salt Lake City UT 84130
Card Type:
Discover
Card Class:
Platinum
Card Category:
Balance Transfer, Cash Back, Gas, Low Interest, Low Intro Rate, Low Ongoing Rate, Reward
States Available In:
ALL
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:

Credit Card Rate Information

 
Purchase
Balance Transfer
Cash Advance
Index:
Prime
Prime
Prime
Margin:
7.74 - 16.74
7.74 - 16.74
20.74
Standard APR:
10.99% - 19.99%
10.99% - 19.99% Variable. 0% intro APR for 15 months from date of first transfer, for transfers under this offer that post to your account by August 10, 2012. After the intro APR expires, your APR will be 10.99% to 19.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
23.99% Variable
Standard APR Floor:
None
None
None
Introductory Rate:
0%
0%
None
Introductory Period:
15 months
15 months
N/A
 
Finance Calculation Method:
Daily Balance
Purchase Grace Period:
25 days
Default/Penalty APR:
15.99% - 24.99% Variable.
Default/Penalty Margin:
12.74 - 21.74
Default/Penalty APR Floor:
None
Maximum Default APR:
24.99%
Penalty/Default Trigger:
Each time you fail to make a payment when due, Discover may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR. Your Default Rate is determined based on your creditworthiness and other factors such as your current APRs, and your account history

Credit Card Fee Information

Annual Fee:
$0
Foreign Transaction Fee:
None
Late Fee:
Up to $35 max.
Over-the-limit Fee:
N/A
Balance Transfer Fee:
3% fee
Cash Advance Fee:
5% ($10 min. ). Either $10 or 5% of the amount of each cash advance, whichever is greater
Rebates/Notes
Rebate Description:
Earn a full 2% Cashback Bonus on your first $250 in combined gas and restaurant purchases each billing period. In addition, 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%.
Special Notes:
0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%.* Earn 2% cashback automatically at gas stations and restaurants. Great rewards with no annual fee, no rewards redemption fee, and no additional card fee.
 
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