Discover Open Road Credit Cards

Discover Financial is one of the largest names in credit cards. They are positioned as an alternative to high end American Express cards. With high spenders being their target market and in order to compete with AMEX, Discover forces itself to provide high quality credit cards, rewards, and service to its cardholders.

Discover offers some unique benefits you cannot find at other credit card companies. The company guarantees you will be on the phone with a customer support representative based in United States within 60 seconds of dialing the customer service phone number. Once you are on speaking with them their goal is to resolve your issue with 3 minutes. With their cash back reward cards, there is no limit to the amount of cash back you can earn. You will also receive access to Discover's Spend Analyzer which breaks down your spending into categories. You can get a clear idea of how much you are spending on groceries, gas, and other categories throughout the year. The company has also developed a great mobile application for all three of the major phone operating systems: iPhone, Android, and BlackBerry. You can also reach their streamlined mobile website if you don't want to download the application. The company does everything possible to put the tools in your hand to control your financial situation.

Discover® Open Road Card

Looking for a credit card with a long 0% interest introductory period, no annual fee, and the ability to earn cash back? If so, the Discover Open Road credit card is for you. You will pay no interest for the first 15 months on both purchases and balance transfers. If you transfer your existing credit card balance to Discover you will only pay a 5% transfer fee (or $10, whichever is higher). Once transferred the balance will be at 0% to give you time to pay off the balance.

The Open Road credit card is a cash back rewards card that provides you up to 2% cash back on your purchases. You will not pay an annual fee for this benefit. The amount of rewards you can generate depend on the areas you are spending them on. You will generate double cash back (2%) at gas stations and restaurants on the first $250 of your spending each month. All other purchases earn 0.25% cash back on the first $3,000 spent annually on the card. After you meet that tier, the amount of cash back jumps to 1%. You can also earn significantly higher cash back (ranging from 5% to 20%) by shopping with select retailers through Discover's online shopping mall. You can redeem the rewards for gift cards, a statement credit, an electronic transfer to your bank, or even as a donation to charity. You must make sure you keep your account in good standing. You forfeit any accrued cash back if you don't utilize your card for 18 months or by failing to make the minimum payment 2 months in a row.

Discover® Open Road Card for Students

As a student it can be difficult to find a credit card company willing to give you a line of credit. With Discover's Open Road Student credit card you will be able to build up your credit history while generating cash back. That cash back can help you get through the next semester if you time your purchases correctly. The card comes with a 0% introductory rate for the first 9 months of your card ownership; that is long enough to get through almost an entire year of school. Just make sure you make your minimum payments.

As a college student you probably spend a lot of money on gasoline for your car and eating out at restaurants instead of the dining hall. (Your date appreciates it.) Thankfully the Open Road Student credit card provides you double cash back on the first $250 of your spending at restaurants and gas stations every month. You would earn $5 in cash back on that level of spending right off the bat. All of your other purchases earn 1% cash back after you hit the $3,000 per year mark. Before $3,000 your other purchases generate 0.25% in cash back. Every bit of reward you can get while in college helps stretch those dollars further. As a student cardholder you will be granted the same privileges other members get. Being able to call customer service and get someone on the phone within 60 seconds means you could resolve a pressing issue in between classes rather than having to wait several days to find a good time. The Discover Open Road Student credit card is a great way to start building your credit history.

Other Perks of Being a Discover Member

There are many perks of being a Discover Card Member on top of exceptional customer service, an intuitive website, and a great mobile application. Discover offers a wide range of travel assistance available 24 hours per day, 7 days per week. Some of the travel benefits include emergency medical assistance, emergency travel assistance, and insurance on your car rentals and flights. The car rental insurance should automatically save you at least $15 per day on your next car rental.Your Discover card will also come with advanced fraud protection including Discover's great $0 fraud liability guarantee. You can set up your communications so that you will receive fraud alerts via phone, text message, or e-mail 24 hours per day. Discover can also assistance with identity theft protection.