0% intro APR on purchases until December 2015; 22.9% variable APR after that.
Platinum Visa® Benefits and Gas Rewards for Fair Credit
No Annual Fee
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:||
|APR on purchases:||First 14 months at 0%, then 10.99% - 20.99%± Variable depending on creditworthiness|
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.
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.
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.
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.
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.