This credit card has a very excellent offer for those who spend a great deal on gas purchases. Through this reward program, the card holders are entitled to get a full 5% cash rebate rate on all their expenses spent on gas and auto maintenance. In addition to that, the card holder can also earn up to 1% cash back rate on general expenses and a 0.25% cash back rate on purchases made for merchandises and goods from selected warehouse clubs and stores that are affiliated with Discover.

Just like other Discover credit cards, the cash rebate system for general purchases made through this card will follow a tiered structure. If you spend no more than $1,500 on general purchases every year, your cash rebate rate will amount to 0.25%. However, if your total purchase amount exceeds $1,500 but is less than $3,000, your rate will go up to 0.50%. Lastly, if your total purchases for the year exceeds $3,000, you will then receive a full 1% cash rebate on all the money that you spent. There is no limit as to the total amount of cash rebates that a card holder can earn in a year. Moreover, you can redeem your cash rebates anytime you want to, for as long as your credit account is still active and in use.

In addition to the splendid cash back benefits, the Discover Open Road Credit card also offers a double reward program. Basically, if the card holders trade their cash rebates in exchange for gift certificate, they will get double of the cash rebate amount from the affiliated companies and merchant partners of the Discover Card program.

The Discover Open Road credit card also entices the aspiring card holders with a very attractive introductory offer. The card offers a Zero introductory interest rate on the purchases made during the first six months of use. However, the rate will have a variable rate of as low as 10.99% or as high as 18.99% after the initial six months. Also, there will be a Zero percent balance transfer rate that will last for twelve months. The rates will vary depending on the credit rating of the aspiring cardholder.

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The prime benefits of getting the Discover® Motiva Card is its cash rebate features. It has a tiered rebate structure. If your total purchases amounts to $1,500, you will get a 0.25% cash rebate. For the succeeding $1,500 that you spend, you will then automatically earn a 0.50% cash back rate. And, if your annual expenses using the card will exceed $3,000, you will get a higher rebate rate of 1%. However, you should keep in mind that your rebate percentage will only apply after you spend the minimum amount.

In addition to the cash rebates that are computed on an annual basis, the Discover Motiva credit card will also maximize your savings since you can get 0.25% cash rebate on all your purchases that you make with selected affiliated shops and merchant partners of Discover, regardless of the total amount of your expenses.

Aside from the mentioned rebates, Discover® Motiva credit card also provides its user with more cash back features every time they shop at the online retailers that are affiliated with Discover. By shopping online, the cardholders can get a cash back rate of anywhere between 5% and 20%. This rate depends on what you buy and where you purchased it. Another good thing about this card is the fact that your rebates will not expire for as long as your credit card account exists. There are also no limits with regards to the amount of cash rebates that you can earn over a certain period of time.

The Discover Motiva credit card provides its card holders with additional rewards if they pay their bills on time. If you can make timely payments for six consecutive times, you will automatically gain a credit reward that will be charged on your next bill. This credit reward will be in the form of a Pay-On-Time Bonus, which is equal to your interest rate for a month. Such reward can be gained twice every year.

This credit card also has no annual membership fees. As for the interest rate, the initial APR will be 3.9% for the introductory period that will last for six months. After such, you will then get a very reasonable APR that can be as low as 10.99% or as high as 18.99%. Usually, this rate will depend on your credit rating.

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One of the prime offers of the Mile by Discover Credit card is its unique Miles formula. This credit card allows its cardholders to earn one mile for every one dollar that you spend using the card. Moreover, if the cardholder uses the card to make travel purchases, he can earn double miles for the first $3,000 spent.

What’s good about the Discover Miles program is the fact that it offers no restrictions when it comes to booking your flights and travels. With this card, you don’t have to use the affiliated or the in house travel agent of the credit card company. Instead, you are entitled to make your own bookings and earn reward points without restrictions. You are allowed to utilize the services of any travel agent of your choice – both online and offline – in booking your travel ticket.

Just like other credit cards, the Discover Miles credit card also has an introductory offer. For the first six months of your card use, you will have a Zero percent interest rate matched with a Zero percent balance transfer rate. After the introductory period however, your purchase APR will have a variable rate. It can be as low as 10.99% or as high as 18.99%. The cash advance APR is a lot higher at a rate of 20.99% to 23.99%. There is also a Default rate APR of as much as 28.99%. However, whenever you miss the monthly repayment due date, you can pay your balance in full without the need to pay for the interest rates for as long as you have not exceeded the grace period of twenty five days.

After the introductory offer, the balance transfer fee will also increase to 3% for every balance transfer that you make within the range of $10 to $75. You will also have to pay for a fee of $15.00 for credit card balances of up to $500 and $39.00 for those over $500, if you ever exceed your credit card limit. In addition to that, the same amount of fees will be applied every time you make late payments. That is why if you are planning to get this card, you should make it a point to pay on time and in full on a monthly basis.

The Miles by Discover Credit card does not have annual membership fees as well. In addition to that, this travel reward credit card provides its customers with platinum benefits that are composed of an auto rental insurance, internet- account related services, and a travel accident insurance that can amount to as much as $500,000.

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Through the tiered rebate formula, you will get 0.25% for the first $1,500 that you spend every year. For the addition $1,500, you will get a 0.50% rebate. If you spend more than $3,000, you will get a 1% rebate, and if you spend more than $4,500, you will earn up to 2% as your cash rebate. These rebates can be redeemed anytime you may want to as the cash backs earned will not expire.

Aside from the usual cash rebate rate, the Discover More Credit card also offers a higher cash rebate for purchases made with its affiliate shops and retailers. For purchases made from Ace Hardware, Bed, Bath and Beyond, Restoration Hardware, SHERWIN-WILLIAMS, Smith & Hawken, The Container Store, Lowes, Menard, Pier 1 Imports, The Home Depot, and more, you can earn a cash rebate of 5%.

You can also double the value of your cash rebates if you opt to trade them for gift certificates from the merchant partners of the Discover More program. That just means that if you have a cash rebate of $50, you will then get a gift certificate that will amount to a $100.

Aside from the cash rebates, you can also get a lot of discounts because of the cards “Shop Discover” feature. Using this card, you can make purchases with the partner merchants on Discover’s website and get discounts. For example, purchases made with overstock.com will get a 5% discount while those from FTD.com will get 20%.

As for the APR charges, the Discover More credit card has a variable interest rate of anywhere between 10.99% and 18.99%. There is also a Zero percent balance transfer rate for the first twelve months. Unlike the usual grace period for most credit cards that last for twenty days, the Discover More credit card offers twenty five days.

To make sure that you can maximize the features of this cash rebate credit card, you should always check which among the partner merchants of “Shop Discover” are featured for the month. You ought to keep on mind that these partner merchants rotate and change. Another thing that you should take into careful consideration is the double cash rebates than you can get. Choose which among the merchant partners can provide you with products that you greatly need and then trade your cash rebates for gift certificates.

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