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Discover® Open Road Card Review

Issued by Discover


Discover® Open Road Card
Discover® Open Road Card Application Secure Credit Card Applications

Overall Rating:

Credit Card Overall Rating

Benefit Rating:

Credit Card Benefit Rating


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 2% Cashback Bonus automatically at any gas station and restaurant, and 1% for general purchases.

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 APR on purchases for 6 months and 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.

Review Date: July 01, 2010

Terms and Conditions

Note: The review on this card was updated on July 01, 2010. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.

Credit Card Rate Details
Intro Rate (Intro APR): 0% Intro APR*
Intro Applied Towards: Purchases, Balance Transfers
Additional Intro Details: There is a 0% APR on Purchases for 6 months and a 0% APR on Balance Transfers for 12 months. See terms and conditions for complete details.
Purchase APR: 11.99% - 20.99% (V)* (Variable)
Cash APR: 23.99% Variable (Variable)
Finance Configuration: Average Daily Balance (including new purchases)

Credit Card Fee Details
Annual Fee: $0
Grace Period: 25 Days (Min.)
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.

Credit Card Reward Program Details (Rebate)
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%.
Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.)
Yearly Limit: No

Features
Most Attractive Feature(s):
Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); no annual fee.
Least Attractive Feature(s):
Higher APR for less qualifying applicants.
Additional Features:
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.

Important Notations
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.

Additional Information
Apply Online for the Discover® Open Road Card from Discover
See other Gas Credit Cards
See other Discover Credit Cards



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