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Discover Open Road Credit Card

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  • Discover® Open Road Card

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The Discover® Open Road Card may not be your top choice in a credit card. It has some weaknesses when compared to similar options. It may be fee-free, but its rewards program leaves you wanting more.

The Discover® Open Road Card is just not that rewarding. It takes great pride in offering 2% rewards on gas and dining purchases, but those earnings are severely limited. You can only earn 2% on the first $250 in qualifying purchases every month. Your maximum earning potential is only $2.50 extra per month on top of your base rate.

Maybe you don’t spend more than $250/month at restaurants and gas stations, anyway, in which case spending caps matter little. However, realize other cards offer higher return rates on a greater number of categories. We’ll show you a couple momentarily.

Another reason why the Discover® Open Road Card doesn’t measure up is its ongoing rewards rate. The base return rate on almost every rewards card is 1%. With this one, however, you’ll get a base rate is 0.25% for the first $3,000 spent annually, then 1% on everything after that.

The Discover® Open Road Card does have one redeeming factor. When you sign up, you get 0% for 14 months on purchases and balance transfers, and then the ongoing APR of 11.74% - 21.74% Variable. This can be helpful if you need to charge a large sum to your card or pay down debts. The balance transfer fee is low at 3%. This is a decent deal if you need a break from interest rates. But from a rewards perspective, the Discover® Open Road Card isn’t a great choice.

Take a look at our favorite cash back credit cards and low APR credit cards for better options.