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Discover Open Road Credit Card Review
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Credit Card Applications » Research » Reviews » Discover » Discover Open Road: 2% Cash Back on Gas and Dining and 14 Months Interest Free

Discover Open Road: 2% Cash Back on Gas and Dining and 14 Months Interest Free


Updated: September 9, 2013
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Get 2% Cash Back on Gas & Dining
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Key Feature:
0% intro APR on purchases until June 2015
Key Feature:
0% on Purchases and Balance Transfers for 14 months

The Discover® Open Road Card is geared toward consumers looking for savings on the road in the form of double cash back for purchases at the pump and for meals. Like all Discover cards, it offers a cash back bonus that can be redeemed for a variety of things including gift cards, statement credits, or charitable donations.

Credit level recommended:
Excellent/Good

Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

APR on purchases: First 14 months at 0%, then 10.99% - 20.99%± Variable depending on creditworthiness
Annual fee: None

Special offers:

Purchases and balance transfers are interest free for the first 14 months. The balance transfer fee of 3%± can be well worth the savings if you’re paying a high APR on another card. No interest on purchases for 14 months can also help you finance large purchases you’ve been putting off – just make sure you pay off the balance before the introductory period ends.

Earning rewards:

Pit Stop Perks: $5.00 cash back on $250 spent

The first $250 in purchases made at gas stations and restaurants (fast-food, sit down, café or otherwise – as long as the merchant is classified under “dining” it counts) will earn 2% cash back. That shakes out to $5 a month back on fuel and dining. All other purchases are eligible for unlimited 1% cash back. Extra cash back can be earned through the ShopDiscover online mall, which gives from 5-20% back when you use your Discover card to make purchases from over 200 partner merchants.

Redeeming rewards:

Redemption Options: Cash back, Gift Cards, Donations to the Red Cross

Redeem cash back rewards as a statement credit, have money deposited into your bank account, or get a gift card. Cash back can be redeemed in different increments depending on the type of reward you get - $50 is the minimum needed for a statement credit or bank credit, while gift cards and charitable donations start at $20.

Benefits:

Since this is a road trip card, it offers 24/7 roadside assistance and free rental car insurance. Like all Discover cards, it has complete fraud liability protection and award-winning customer service. The Discover account center is accessible day and night and features financial tools to help you make a budget and analyze spending.

Considerations:

Discover® More Card - 18 Month Promotional Balance Transfer

Discover® Card - Discover® More Card - 18 Month Promotional Balance Transfer

Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Gas credit cards usually have high APRs, annual fees, and are sometimes only good on certain brands of gasoline. This card has no annual fee, an introductory 0% APR, and gives cash back no matter where you fill your tank. What’s more, unlike some gas credit cards, this card gives cash back on all purchases. Pump up its rewards-earning power even more by utilizing the ShopDiscover online mall, which gives up to 20% cash back at certain partner retailers. You can use this card as an all-purpose card instead of just a gas card.

It’s very similar to the Discover® More Card, except instead of giving 5% cash back in rotating categories, it gives 2% back on gas and dining year-round. Flexible redemption options let you use this card to earn rewards in the form of cash, gift cards, statement credits or donations. Compare it to a card like Chase Disney Premier Visa, which also gives 2% back on cash but has an annual fee and pays out in “Disney Reward Dollars” and this card looks like one of the best gas credit card options out there.

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  • http://www.kgaction.com/ Mary Kaplan

    This sounds like a good card if you are on the road a lot,  I was not aware that credit card companies charge a balance transfer fee.  Is this true in general?  I’d be curious to know what retailers are included in the 20% cash back plan.  Sounds almost too good to be true!

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