Discover® Open Road(SM) Card
issued by Discover |
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Apply online for this card or
read on for a full review of all the features.
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 In-Depth Credit Card Review |
This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar.
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 APR on purchases and balance transfers for six 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.
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Note: The review of this Discover card was updated on 06/01/2009 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
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| Key Card Information |
| Introductory Rates and Terms |
| Intro Rate: | 0% Intro APR* |
| Applied Towards: | Purchases, Balance Transfers |
| Details: | There is a 0% introductory APR* on purchases and balance transfers for 6 months. See terms and conditions for complete details. | | Miscellaneous Rates and Terms |
| Credit Limits: | $50,000 (Maximum) / $5,000 (Minimum) |
| Purchases APR: | 10.99% | | Cash Advance APR: | 23.99% | | Finance Config: | Two Cycles Average Daily Balance (including new purchases) | | Grace Period: | 25 Days (Min.) | | Fees Associated with this Card |
| Annual Fee: | $0 |
| Add. Cardholders: | $0 |
| 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 Transfers: | 3% for each balance transfer made under this offer |
| The Rewards Program Highlights |
| Optional Reward: | No |
| Rebate Minimum: | .25% |
| Rebate Maximum: | 5% |
| Additional Rebates: | Earn a full 5% rebate for up to $1,200 in gas and auto maintenance purchases; 0.25% for over $1,200 up to $1,500; 0.5% for over $1,500 up to $3,000; and 1% for over $3,000. Earn a 0.25% rebate at select warehouse clubs and discount stores. Earn up to double Cashback Bonus® at participating Discover Card Partners. |
| | Earn a 0.25% rebate for up to $1,500 in general spending; 0.5% for over $1,500 up to $3,000; and 1% for over $3,000. Reward is redeemable in $20 increments only. |
| Expiration: | None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.) |
| Additional Highlights of Interest |
Special Card Benefits and Features
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Various card designs to select from.
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Various Internet account related services.
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No liability for unauthorized transactions.
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Up to $500,000 in travel accident insurance.
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Fraud and security protection services.
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Purchase protection.
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Flight insurance.
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Auto rental insurance.
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See website for additional benefits.
Important Notes Regarding This Offer
*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. |
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