Discover platinum credit card - Discover Platinum Card rewards.

Discover« Student Card - Clear
* 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
* 5% Cashback Bonus« in categories that change like gas, restaurants, department stores and more. Limitations apply*
* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
* Up to 1% unlimited Cashback Bonus on everything else you buy
* $0 Fraud Liability plus mobile and email fraud alert options
* Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
* *Visit website for rates, fees, rewards, limitations and other important information

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Discover« Motiva Card
* Earn Cashback Bonus for your good credit management
* 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
* Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
* Discover is ranked #1 in customer loyalty - 15 years in a row! (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 mobile and email fraud alert options
* Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
* *Visit website to view rate, fees, rewards, limitations and other important information

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Escape by Discover« Card
* Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
* Double Miles on every $1 you spend
* 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
* No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
* Flexible redemption options like travel credits, merchandise, gift cards or cash
* Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
* Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
* *Visit website to view rates, fees, rewards, limitations and other important information

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Miles by Discover« Card
* Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
* 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
* 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
* No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
* Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
* Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
* Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
* *Visit website to view rates, fees, rewards, limitations and other important information

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Discover® Open Road Card - $150 Restaurant.com Gift Certificate
* Receive a $150 Restaurant.com Gift Certificate with first purchase
* 0% intro APR on purchases and balance transfers for 12 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--15 years in a row! (2011 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

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Discover® Mix Tape Student Card
* 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
* Up to 1% unlimited Cashback Bonus on everything else you buy
* $0 Fraud Liability plus mobile and email fraud alert options
* Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Discover® More Card - $0 Balance Transfer Fee
* Limited Time Offer - $0 Balance Transfer Fee!*
* 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
* Discover is ranked #1 in customer loyalty--15 years in a row! (2011 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

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Discover® Student Card - $25 Cashback Bonus
* Get $25 Cashback Bonus®* when you make your 1st purchase within 3 months
* 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 13.99% - 20.99%*
* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
* Up to 1% unlimited Cashback Bonus on everything else you buy
* $0 Fraud Liability plus mobile and email fraud alert options
* Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Discover® Open Road Card for Students
* 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
* Double Cashback Bonus®* at gas stations and restaurants.
* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
* Up to 1% unlimited Cashback Bonus on everything else you buy
* $0 Fraud Liability plus mobile and email fraud alert options
* Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Credit Card Advice and FAQs:

Can you buy a car with a credit card? Buying a car with a credit card can make sense, particularly if you're buying a used car or using a credit card for a car down payment. In the event of a used car, if the seller made certain guarantees or offered a warranty which he failed to fulfill, you could easily reverse the credit card charge and thus nudge the seller to cooperate to make the situation right. A credit card down payment can also be reversed and is quite helpful when you are in a take-home test period.

Do I need a credit card? Technology has made life easier, yet has also caused a greater need for credit cards. With mobile phone payments, internet transactions, booking airline and motel reservations, there is an ever-growing place for credit cards. Another need for some people to have a credit card is to build or re-establish credit, because a credit card is a major score factor.

There is an easy way to get a credit card: You browse the internet and take time to compare various credit card offers, you narrow your choices down to one and submit your application. A few days later you receive approval decision: Your credit card application was rejected. Why? Because you selected your card based solely upon your desires, not also considering your eligibility. By answering a few questions about your needs AND credit history, a credit card matching company can show you cards to choose from which you will likely receive approval.

The fastest way to get a credit card is to apply for one which you are absolutely certain you'll be approved for. Typically the lower credit limit, little or no rewards cards, have the easiest approval standards. If you are not aware of the score necessary for acceptance, you can use a credit card pre-qualification company.

Is there a company that will help find a credit card for me? Yes. Simply answer a few questions regarding your credit profile and the type; or types, or credit cards which interest you, and the credit card match service will present you with card offers for you to compare and to choose from. The higher your score, the more credit card offers you can choose from and qualify for. This credit card service is especially helpful for those people who are unaware of what score ranges are needed for certain credit cards. Card matching services are also helpful to those who it's their first time getting a credit card.

Can I get a credit card without a job? Some credit card companies will issue credit cards for unemployed people, provided they have some other routine, reliable source of income such as a retirement pension. Some may also approve disabled applicants who receive Social Security Disability payments.

What is the lowest credit score to get a credit card? In order to determine what credit score is needed to get a credit card application accepted, you need to compare the card to others. Cards with higher limits, greater rewards and points, low APR or 0 introductory periods, most always have greater credit score requirements. Whereas a pre-paid debit card offers no credit check and thus does not require good credit scores, a rewards card with a $10,000 limit and low APR demands much higher ratings.

Is not activating a credit card bad? Not activating a credit card is almost as if you don't have a credit card at all, if the issuer requires you to first activate the card before you can place charges on it. Until then, you do not have a line of credit to help improve your credit score. So opening a credit card and not using it is much like having never applied in the first place.

What are the qualifications for a credit card application approval? Qualifying for a credit card is primarily subject to the type of credit card you're applying for. Obviously those high limit and high rewards credit cards require greater approval standards than regular credit cards with low limits and no; or very limited, rewards.

Get cash from a credit card - How to take a credit card payment from someone: You could use PayPal to provide merchant services for a small fee. This way if someone owes you money and has only a credit card, you and the other party could create your own separate PayPal accounts. As the Seller, you'll need only to provide a bank checking account to have the money transferred from the other person's credit card to you. The Buyer; the party who owes you money, will need to sign up for a credit card account. Then you; as Seller, would request funds from the Buyer. Another option is for the person with the credit card to make a purchase at a retail store, then request extra cash back from the credit card transaction.

Using a debit card as a credit card: Debit cards can be used just like credit cards, with the only exception that debit cards typically do not have a line of credit. But, if you obtained your debit card from your bank and the card is attached to your checking account, the bank may offer a small credit limit or an 'overdraft protection' limit which is a temporary credit line. You would have to repay the advance to avoid running up fee and/or interest charges.
 

Credit Card Comparisons & Matching - Many people around the world suffer from a bad credit history, and some do not know what is a good credit card to help build credit, and wonder will a secured credit card help or hurt?

Where can I get help choosing credit card offers and to pick out a credit card that matches my credit? Fortunately there are card options designed specifically for people with past credit issues so it's relatively easy to obtain credit card offers to compare. One advantage is to use a credit card comparison site, as it can provide a credit card search by credit score. When you have less than average credit, you want to use a site which specifically offers a credit card finder for bad credit people.

Which credit card locator can help me find a credit card to establish credit? People just starting out with no credit history should also refer to a credit card research site which contains offer for poor and no credit scores. They can help match you with the credit card or prepaid card which meets your credit profile.

Sub-prime unsecured credit cards: Many of these can assist you in building or rebuilding your credit. Although most of these do not have guaranteed approval, acceptance is more likely with one of these cards versus a rewards credit card.

Secured credit cards: These are also good options for establishing or re-establishing credit, provided the issuer reports to at least one major credit bureau.

Prepaid and debit cards: These cards typically have guaranteed approval and are similar to a traditional checking account. Check with the issuer to see if it reports to a major credit bureau.