Credit Cards Tips for You

Discover offers three popular cash back cards and each card allows members to earn a percentage back on their purchase. Today we are going to compare the Discover More Card, Discover Motiva Card and the Discover Open Road Card. Below we have highlight of each card and a table which will give you a side by side comparison. By comparing the benefits of each card you can determine which card will work best for you based on your spending habits.

The Discover® More Card is a rewards card that offers cash back on all your purchases. You can earn up to 5% cash back in rotating categories. The card offers 0% on both balance transfers and purchases. There is no annual fee with this card. Here are the details of this offer:

• 0% intro APR on balance transfers for 18 months, then the variable APR of 11.99% – 20.99%
• 0% intro APR on purchases for 6 months, then the variable APR of 11.99% – 20.99%
• 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
• Ranked #1 in customer loyalty (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S. based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alerts
• No annual fee, no rewards redemption fee, and no additional card fee

The Discover® Motiva Card allows you to earn cash back on all your purchases. This card is ideal for those that are seeking a low rate for balance transfers and purchases. There is no annual fee with this card and the card give a Pay-On-Time Bonus that is equal to a full month’s interest for every 6 on-time payments in a row. Here are the details of the offer:

• Earn Cashback Bonus for your good credit management
• 3.99% intro APR on balance transfers and purchases for 15 months, then the variable APR of 11.99% – 20.99%
• 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
• Ranked #1 in customer loyalty (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S. based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alerts
• No annual fee, no rewards redemption fee, and no additional card fee

The Discover® Open Road Card – Up to $50 Cashback Bonus® is for those seeking a no-fee card with double cash back bonus on gas and dining purchases, plus unrestricted travel redemption options. The card offers an introductory rate of 0% on purchases and balance transfers. There is also a version of this card that offers a $75 Restaurant.com gift certificate as a bonus (see review). Here are some of the details for the Discover® Open Road Card – Up to $50 Cashback Bonus® offer:

• Get $10 Cashback Bonus on each of your first 5 gas purchases of $25 or more within 3 months
• 0% intro APR on purchases and balance transfers for 12 months, then the variable APR of 11.99% – 20.99%
• 2% Cashback Bonus automatically at any gas station and any restaurant
• Ranked #1 in customer loyalty (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S. based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alerts
• No annual fee, no rewards redemption fee, and no additional card fee

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• The Discover® Motiva Card
• How About a Student Credit Card That Offers Cash Back?
• Review of the Discover More Credit Card 5% Cashback Bonus Offer