- 0% Intro APR for 6 months on purchases, and 12 months on balance transfers
- Save at the pump and everywhere else*
- 5% Cashback BonusŪ on gas and auto maintenance purchases
- 5% to 20% Cashback BonusŪ at top online retailers*
- Up to 1% Cashback BonusŪ on all other purchases
- Unlimited cash rewards
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed | Overall Rating |
| 0% | Up to 12 Mons. | 10.99% | None | Yes | Excellent Credit |  |
DiscoverŪ Open Road(SM) Card Review
The DiscoverŪ Open Road Card, issued by Discover, is designed for those with very good credit who would like to earn cash rewards for their gas and auto maintenance spending.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 BonusŪ for redeeming their rebates for gift certificates from participating Discover Card Partners.
Aside from 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 for 6 months on purchases, and 12 months on balance transfers. The APR for this card is reasonably low, although it is important to note that only higher qualifying applicants will receive the lowest rate available.
Finance charges applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges for those who occasionally carry a balance, in comparison to the "Average Daily Balance" method used by most card issuers.
Therefore, those who plan to spend up to $1,200 a year on gas and auto maintenance purchases (to earn the full 5% cash rebate), plan to use their Cashback BonusŪ 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 DiscoverŪ Open Road 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 only be applied 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 BonusŪ award.
More Credit Card Offers from Discover
- DiscoverŪ More(SM) Card
- DiscoverŪ Motiva(SM) Card
- DiscoverŪ More(SM) Card - Clear
- Miles by DiscoverŪ Card
- DiscoverŪ More(SM) Card - Wildlife Collection
- DiscoverŪ More(SM) Card - Monogram
- DiscoverŪ More(SM) Card - Sealife Collection
- DiscoverŪ More(SM) Card - American Flag
- DiscoverŪ Student Open Road(SM) Card
- DiscoverŪ Business Miles Card
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