- 0% intro APR on purchases and balance transfers for 14 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 2% automatically at gas stations and restaurants all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Min APR: 11.74%, Variable
Max APR: 21.74%, Variable
Penalty APR: Up to 26.74%, Variable
Cash Advance APR: 25.74%, Variable
Verdict - This card is a good gas card, but you may be able to do better. Take a look at our list of the best gas credit cards - the Open Road is only middle-of-the-pack.
The Discover Open Road earns 2% on the first $250 in spending at gas and restaurants each month, and up to 1% everywhere else. However, both of these reward buckets contain nasty caveats:
- The 2% on gas and restaurants is limited to a combined $250 per month. Which doesn't count toward the $3,000 required to reach a full 1% rewards rate.
- You only earn 0.25% for the first $3,000 in other purchases each year, and 1% thereafter. This 0.25% reward rate instead of 1.00% (buried in the fine print) ends up costing you $22.50 each year, assuming you end up >$3,000 per month.
Get a better gas card
If your credit is pretty good, you may be able to qualify for an all around better card like the American Express Blue Cash. If you have superman credit, you can get 5% back at all gas stations, and 1% everywhere else with the Pentagon Federal Platinum Cashback card. You may also want to consider going with the Costco card, though it is an American Express, with 3% at gas stations, 2% on travel and restaurants, and 1% elsewhere.
Or get a better dining card
There are dining cards that earn 2% or more, without the hassle of monthly caps, and the idiotic 0.25% rewards for the first $3,000.
The Citi Forward is a great choice, with 5 points per $1 spent at restaurants, bookstores, etc, no annual fee, but you are limited to earning 75,000 points per year. You can redeem 10,000 points for a $100 gift card in quite a few places.
The Sony card also earns 3 per $1 spent on Dining and Movie purchases, which you can redeem for Sony products at a rate of 1 point per 1 cent.
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