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Discover® Platinum credit card offer is currently unavailable. Please consider other Discover® card offers below.
Why good credit is required for platinum rewards cards - Platinum rewards cards come from various issuers and some may offer: High credit limit Low interest A 0% introductory rate on balance transfers No annual fee Cashback bonus awards Online account access Fraud protection
Get the latest news about Discover Card, or browse for more Discover credit card offers. Discover® News and Discover's U.S. Spending MonitorSM
According to Discover's website, their Discover® U.S. Spending MonitorSM indicates about two-thirds of consumers anticipate that less will be spent holiday gifts. With retailers hoping for a better economy to boost holiday spending, consumers’ spending intentions to spend less can be disappointing to retailers. The Monitor asked about 5,000 consumers if they would spend more, less or the same as last year on holiday gifts and almost 63% said they planned to spend less this year.
Last year, 2008, was the worst holiday shopping season on record. One concern is that more women than men anticipate spending less on gifts this year. Many consumers may cut over-all spending to cover higher expenses for gas and groceries. About 52% plan to reduce purchases like going out to movies or restaurants and 51% of consumers plan to cut home improvement spending. As for vacations, over 50% plan to make cuts in the months ahead. For all the details about Discover's Monitor information, visit their website for all of these details and more news. Discover® Card Mobile Features
Discover® Card has launched an App for the iPhone and iPod that will let cardmembers manage their accounts from their iPhone or iPod Touch. When the App is opened, registered users can login with their ID and password and they can contact customer service if they need to. When logged in, the user has the ability to see recent activity, make a payment, or view reward details. It can be easy to make a payment and check a balance which makes it helpful for managing finances when on the run. This is just another way Discover has helped account holders to manage finances through mobile devices. For more details visit the Discover website. Discover® Card
Discover® Card did a holiday shopping survey and the results indicate many consumers are concerned about finances but not enough to ruin their holiday mood. Even though many will spend less than last year this 2009 Christmas. Consumers indicate that they are spending less due to the effects of the economy. Discover's survey further indicates that women plan to spend more than men during the holidays. Many will make a budget and set a goal to spend less money. Shoppers want to find good sales, incentives, and go for the least expensive brands. Free shipping will be another incentive for shopping purchases. Credit card rewards may be a big factor for purchases and be great motivation for cardholders. Visit the Discover website for all these details and more. Discover Card
According to information on the Discover website, many small business owners thought the economy was worse in December, but think conditions for their own businesses will get better in the next six months with many looking for more encouraging signs in the overall economy. A small percent of owners indicate they will increase spending on business activities like advertising, inventories and capital expenditures during the next few months and only about half plan to reduce spending. When asked about retirement plans, only about sixty percent have a plan in place, yet they feel they will have enough saved to last through their retirement. More information indicated that most small business owners make their own investment decisions. More than half have an IRA account and many plan to continue working without stopping. When asked what they will eventually do with their businesses, about a third said they do not plan to retire and only about 20% will transfer ownership to a family member. This information comes from the opinions of small business owners and consumers who participate in the Small Business Watch survey from Discover. Visit the Discover website for this information and more details. Discover Card
Discover will be giving card members a Chance to Win $1 Million through the "It Pays to Discover Everyday Giveaway" which will be a year-long sweepstakes. This is a way for Discover to encourage cardholders to use their card. When purchases are made with a Discover card, card members are automatically entered for a chance to win thousands of dollars in daily prizes that leads up to a grand prize of $1 million. There are chances to earn extra sweepstakes entries when the Discover card is used in certain categories like restaurants, salons, and dry cleaners.
There will be one $500 winner, four $100 winners, and 70 $25 winners and on Jan.10, 2011, one winner will be chosen for the grand prize of $1 million in cash. Daily winners will be notified through regular mail if they win gift cards. Discover card has awarded its card members more than $8 billion in Cashback Bonus since it started in 1986. Visit the Discover website for this news and all the details. Discover Donations
Discover® is giving $100,000 toward the earthquake relief efforts in Haiti and they will pledge up to one million more through a card member matching program. They will also waive transaction fees for donations toward the American Red Cross credit card contributions. The Company will be matching employee donations dollar-for-dollar. They feel that their cardmembers and employees all have an interest in supporting the relief effort and they want to give in a way that donations go further to help more people. Visit the Discover website for these details and more. Discover CardBuilder
Discover has introduced an interactive tool so applicants can build their card and have more control in choosing terms, rewards and the design of the card. They can build their card depending on how they want to use it. This could help the card member mange their finances and the way they use credit and give some flexibility. Card members can select the option for their credit standing and how they want to manage their balance.
Applicants select from several offerings as a way to choose the best deal for them and what is important to them. They are able to select and the interactive chart will show offers available with that selection. They can choose the rewards program they prefer to get benefits that are important to them. Applicants can choose from 28 popular card designs that have themes that may fit their personality or hobby. The tools will allow card members to manage their credit and make good financial decisions. Visit the Discover website for these details and more. Discover Miles Card
For consumers looking for a travel credit card, consider the Miles card by Discover. It has a card that offers a flexible miles program and it is a no-annual-fee card. The family may even enjoy added miles for purchases made during traveling and going to restaurants.
Some travel purchases that may be part of the benefits might include commercial airline tickets, hotel rooms, car rentals, vacation packages purchased through travel agents, and some online travel sites. It can be easy for cardholders to redeem miles or get gift cards from their partners. There are some options to make a charitable donation, apply travel credit to your account, or receive cash. There may not be a cap on the number of miles that may be earned. Another benefit is that miles may not expire as long as the card is used. Visit their website for these details and much more on the travel card. Discover Student Card
Discover card recently announced the winners of their Student card design contest. The grand prize winner was awarded $1,000 for her cassette tape artwork, a second place winner received $500 for her space card design, and the third place winner was awarded $250 for his dollar bill card design. The online contest that started in December, provided two ways for Discover fans to participate in the card design. First, users shared their artwork through the Discover Facebook page. This allowed fans and visitors to draw their designs on a widget with a Discover card graphic overlay that resembled a real credit card. Then Discover fans and visitors voted on their favorite designs.
There were thousands of card design entries and the grand prize winning design will be featured on the next Discover Student card scheduled to debut in April. The contest let Discover fans share in the creation of a new student card design in a fun way and Discover got the chance to get great artwork, more attention to their Discover Student card, and more Facebook fans. The honorable mention participants each received a $50 Discover gift card. For this information and other details visit their website. Rewards Cards
Reward credit cards can be very appealing. Yet it is important to do some research before making a selection. Read the fine print to make sure the other fees don't exceed the rewards you will get in return. Some cards don't give rewards if a balance is carried from one month to another so it may be necessary to pay off the balance every month. They could even charge higher interest rates on outstanding balances.
Read the terms carefully and take notice of words like "up to". This can mean the maximum you can get. You may not go up to that level unless you spend a lot of money on the card. In that case, you may get less than the advertised reward. The actual cost of the points is important and you should figure how much money is required to get a particular reward. By doing some figuring it is easy to get an idea about the cost. If you are required to spend $10,000 just to get the reward of a gift voucher of $60, it does not seem worth the effort.
Your spending habits are important in addition to how much is necessary to earn rewards. For example, programs offering frequent flyer miles usually require the cardholder to spend a lot of money. If you are an occasional spender, it could take a long time to get a free flight. Gas cards are very popular and great to have but read the terms before applying for the credit card. They have been popular due to the high cost of gas. Make sure you meet the requirements to get the rewards. Some gas cards may give points only if you shop only at a specific gas station.
Annual fees are an issue to consider as they can be high and you must decide the fee to have the card is worth the amount required to get rewards. For example if you have a high annual fee and you must spend up to $5,000 before earning rewards, it may be the right reward card for your needs. It is worth the time to review any limits imposed on rewards. If you get five per cent cash back on purchases but up to a limit of $250, spending over the limit will be wasted. Some rewards can expire if they are not used within a limited period of time.
The best way to save money is not to have spend a lot of money just to get a specific reward, the right reward card can be great if it matches the financial needs of the cardholder. Managing finances is important and before applying for any credit card, read the terms and conditions for the credit card. It is best to know the fees, interest rates, and what is necessary to get the benefits of the rewards offered. Many consumers who use reward cards have benefited by earning flying rewards, hotel rewards, and gas rewards. Any rewards should fit the specific needs of the cardholder. Rewards Card
To get the maximum benefits from a reward card for perks like free travel, gas, or cash back, it can require some homework. Reward cards usually have an annual fee so it is important for you to decide it you will spend enough during the year to make up for the cost of the fee. For instance, if a cash-back reward card has a $29 annual fee for 1 percent cash back on all purchases, it would require you to charge a minimum of $2,900 annually. You would need to find a rewards card that will benefit you. Some rewards are for travel, gift certificates, hotel discounts and there are many more choices that you will need to review before choosing a card.
It can be a good idea to replace other of your cards with a reward card and only use the reward card. Using one card can help you monitor and track spending while getting you even more rewards by using the card to pay for most of your spending needs. Make sure if you do this to pay the balance in full every month. If you don't usually pay off the balance each month, a reward credit card might not be a good choice as most have higher interest rates than other cards. Usually it is required to pay the balance to receive reward points. Another choice if you carry a balance each month is to try a reward debit card like a check card. Reward Cards
Those who are looking for a rewards credit card should match the card to spending habits. When a card is not used much, you may not earn enough rewards. In reverse, those who use their cards a lot could have limits on the rewards they can earn. If for example, charges per year are about $5,000 on a card and the card has an annual cost of $60, it may take years just to earn a free airline ticket to where you want to travel. Figure how much you must spend, how long it will take to get the rewards you want, and compare that with the option of not spending money just to get the rewards.
Cash back cards can be the best for consumers who never spend enough money to get those big rewards that come from spending tons of money. Another choice for card holders who don't charge much is a card that offers higher rebates for certain purchases. Some cards offer more cash back perks when the card is used at certain stores. For example, a cash back card may only offer 1% but if you shop at a particular store the cash back may jump to 5%.
When trying to determine the right rewards card for your needs, review the annual fee. Some could be waived, if for example, some purchases are made at a certain stores during the year, and the reward may increase too. There are benefits and drawbacks for each card option so make sure to decide what fits your spending habits and lifestyle to really get the most rewards for your money and not the kind of rewards you will never get to use. There are card offers that have rewards that pay for college and even some with rewards for plastic surgery. If choosing a rewards card is too much trouble, try sticking to just a cash back card. This is a very popular card that could yield cash that could be spent on whatever you want without the need to make high charges in an effort to try to collect rewards. Rewards Card
One of the most popular reward card is a gas credit cards that can allow cardholders to earn up to 5% cash back on fuel purchases. It means that points are earned when you buy gasoline toward getting cash back. Discover has some good choices for gas cards and cash back perks. Some gas cards may require that the gas be purchased at specific stations to get cash back and others may not have this requirement so it is necessary to review all the details. You may be able to find a card that gives rewards for making purchases that are auto related. For consumers who purchase a lot of car parts or who needs a lot of auto repairs, a gas card may be worth having.
There are cards that let you earn rewards of 1%, 2%, or 5% cash back for different types of purchases like groceries, travel expenses, or at restaurants to name a few. Some cards have no annual fees and 0% intro APR for a specific time. Reward cards are not hard to find, but having the right credit type to get approved is important. They usually offer a good starting out rate and you may be allowed to add extra benefits. Some reward cards have no special restrictions on purchases to earn the reward. This is great, as you could make purchases anywhere and still earn the reward of getting cash back. Rewards Card
With hundreds of credit cards with many types of rewards to choose from, it can be confusing to know how to choose. It was an interesting 2009 for the credit industry and having good credit is more important than ever for 2010. Some card companies have reduced their rewards due to the credit crisis.
There are many great cards, but consumers may have to look harder for the best reward cards. Try to find a low APR, rewards programs, with no annual fee or a low fee. One good card to review is the Discover® More® Card. They often offer up to 5% cash back on every day purchases instead of about 3% which some other cards offer. Getting cash back for just about everything instead of making purchases at certain business gives more flexibility for spending to get cash back.
There is usually not an annual fee on the card and there may be a 0% intro APR on purchases and balance transfers. There are ways to earn more cash back if their online store is used to get increases for cash back. To increase the chances of being approved for this card, do not do a balance transfer when you apply. Wait to see what the credit limit is and let Discover offer a 0% intro balance transfer. Credit Card Perks
You may not know you have extra perks, but most card issuers provide free protections and services that could cost hundreds of dollars if you had to purchase them. As consumers try to keep up with a world of credit cards, looking for ways to avoid new fees or rate hikes, they may miss many of the free benefits they have. While card issuers continue to clamp down on credit limits and rewards programs, they have left consumers with many perks that, when used, can save hundreds of dollars.
Free benefits like extended warranty protection, lost-luggage reimbursement, and purchase protection aren't advertised as much as the 0% introductory interest rates or earning bonus rewards. Perks provided by top credit card companies are paid for through interchange fees which are paid by merchants for each credit card transaction. Less than 15% of cardholders actually use the free benefits. Usually these are mentioned in the fine print that consumers get with their credit cards and they usually don't read it. That can be a mistake as they are really good benefits. Taking advantage of those features may require some paperwork, and you may have to work with a customer service representative who is not aware of how they work. But using them may save you hundreds of dollars.
Below are some details on credit card benefits.
* For auto rental collision damage waiver, it reimburses for the deductible portion of your personal auto insurance policy, or all covered damages or theft if you do not have auto insurance. It may include loss-of-use damages imposed by the car rental company and reasonable towing charges. It may not apply if you rent a car for more than 15 consecutive days in the United States or 21 consecutive days abroad. The loss or theft of personal belongings and personal liability charges are not covered. You may need to decline the collision damage waiver and loss damage waiver options offered by the rental company. It could cost from $10 to $20 a day if you purchased a collision damage waiver from the car-rental company, depending on the location, the type of vehicle rented and which rental company is used.
* An extended warranty, it doubles the free-repair period of the original manufacturer's repair warranty on an item, up to one additional year. It usually includes purchases made outside the U.S., as long as the item has a valid original manufacturer's U.S. repair warranty, store-purchased dealer warranty or assembler warranty. Many items aren't covered that may include boats, cars, aircraft and any other motorized vehicles, items purchased for resale or professional use; real estate and items intended to become part of real estate for example, garage doors and ceiling fans, computer software like medical equipment, and used, antique or collectible items. This could cost anywhere from $15 to $270. Its coverage will simply extend the terms of the warranty already owned from the manufacturer.
* A Purchase protection plan, for something bought with your credit card that is damaged or stolen within 90 days. You may be able to receive a refund of the purchase price. However, the protection has exclusions, including items that are lost without any evidence of a wrongful act or are stolen because of a lack of due diligence. Used, antique and collectible items generally are not covered. Refunds could be limited from $300 to $1,000 per item depending on the card company and there can be caps on the total refunds received by cardholders.
* Lost-luggage reimbursement, that reimburses card holders for the cost of luggage and contents that has been lost or damaged by a common carrier (plane, train, helicopter, ship or bus). There are restrictions and limitations and they vary based on the card issuer and payment network. You could pay up to $180 to purchase additional coverage for lost luggage from the airline, typically at $6 per $100 of value.
* Roadside assistance, so if your car breaks down on the road, and if you are a specific distance from home, the credit card company will send someone to the rescue. You may still be charged for any services received like towing, jump-starts, gas delivery or tire changes. If you had to purchase this, it could run from $38 to $80 a year.
* Concierge service, may be available that can help you book travel, make restaurant reservations, get tickets to concerts or sporting events, pick out gifts, or plan a party. You will pay the cost of all services or items received, so if you are a power shopper or on a tight budget, you're better off doing your own research. Many premium credit cards that offer this service have annual fees that could be high. If you had to pay, it could cost from $25 to $55 per hour. Hourly rates vary depending on the location and vary depending on the type of services performed. Find a credit card with the perks you desire today. |
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