Entering the credit scene in 1986, Discover is the newest contender among all of the major credit card companies. Originally owned by Sears, it has been a pioneer in a variety of ways. Discover is the first company to offer cash rewards for cardholders on purchases made, and it is the first to issue credit cards with no annual fee. The company has also tried to distinguish itself by not charging international transaction fees, issuing higher limits to cardholders than compared to what they would receive elsewhere, and offering lower fees to merchants who accept the Discover Card. If you are considering opening a credit card with Discover, learn about the different cards that offered to consumers in order to choose the best card for you.
Discover It
The most widely used of all the Discover cards, the Discover It offers a number of cash back rewards to holders. On purchases made in specific categories, cardholders are eligible for five percent cash back every three months. All purchases outside the specific categories are eligible for one percent cash back. People who shop through the Discover mall, ShopDiscover, can earn up to a 20 percent rebate on purchases made. Discover also offers subscribers zero percent APR on purchases and balances transfers in the initial 14 months of owning the card.
Discover It For Students
A good way to build up a solid credit history, the Discover It for Students is very similar to the original Discover It card. Qualified students receive the rebates that the standard card offers. The main difference is that students will only receive zero percent APR on purchases for the first 6 months.
Discover Business Card
A card that is dedicated to serving the needs of businesses, the Discover Business Card will return 5 percent of the first 2000 dollars spent on office supplies to the cardholder. An added benefit is a gas purchase rebate of two percent on the first 2000 dollars spent on gas and charged on the card. All employee cards are free, and spending limits on these cards are customizable in real time.
Discover Miles Card
The Discover Miles card was developed for for business travelers who prefer to be rewarded in miles. Double miles are earned on all gas and travel purchases. Hotels, airfare, and rental cars all fall in the category of a travel purchase. Card holders can enjoy unrestricted benefits no matter which airline, online travel site, or travel agent they book with. Discover will award one mile for every one dollar spent on other types of purchases.
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