Discover® Open Road Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Discover® Open Road Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateNo rewards bonusBalance transfer feeRequires excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Discover® Open Road Card has a rating of 3.6/5 according to our proprietary credit card rating system. This rating reflects how appealing Discover® Open Road Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, Discover® Open Road Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, 3.9/5 for APR, and 3.9/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.9/5
164 reviewsRead and write reviews
Market Comparison
Market Comparison
3.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
APR
3.9
3.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 14 months, 10.99% - 22.99% (V) APR after that
Balance Transfer
0% intro APR for 14 months, 10.99% - 22.99% (V) APR after that
Balance Transfer Fee:3%
Rewards
2% cash rewards on your first $250 in gas and dining purchases each billing period.
Earn .25% Cashback Bonus® on your first $3000 in annual purchases and 1% Cashback Bonus® after.
Earn .25% Cashback Bonus® on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates.
5% to 20% Cashback Bonus through our exclusive online shopping mall.
Rewards just the way you want them. Choose from Partner gift cards, merchandise, Discover gift cards, Charity, or Cash.
Discover® Open Road Card's Additional Info
0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% - 22.99%.
24/7 access to a U.S.-based Account Manager within 60 seconds.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.9
Market Comparison
3.6
fees: 5.0
rewards: 0.0
cost: 3.3
APR: 3.9
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
(164)
(322)
(5,048)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 14 months
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
transfer intro apr0% for 14 months|Transfer Fee:3%
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Can't find what you are looking for? Submit your question about Discover® Open Road Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Your Discover Open Road balance transfer limit depends on your overall credit limit. Discover allows you to transfer about 95% of your credit limit, in order to leave room for the balance transfer fee.
Share your insights and review for the Discover® Open Road Card
5
16%
4
73%
3
7%
2
1%
1
2%
3.9
164 reviews
164 reviews
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Bertrand @bertshep21
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5 Star Rating
Verified Customer
This card is fantastic with the cashback and how easy it is to access. Payment is simple, and the app is easy to understand. Great credit limit to start and no apr for 15 months so as long as you watch your utilization it is an asset to your credit score.
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jose @jmm6937
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5 Star Rating
Verified Customer
Great starting card, my first credit card while I was rebuilding my credit. They also will raise your limit without asking after about 8 months for me.
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Kris Santon @kris.santon.5
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4 Star Rating
I love the Discover card. They give 1% cash back on all of your purchases, and each quarter earns you 5% cash back. The Discover card has other cool features too. During my first year I won't be charged any fees for a late payment . I love the fact that their call center is completely U.S. based and is open 24 hours a day. This was my first credit card and I'm glad I went with Discover.
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Eric McConnellogue @mcconnoe
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4 Star Rating
My first card was a Discover. I got it at 22 when I needed to rent a car and couldn't without plastic. I kept it for years but hardly ever used it, then switched to a Capital One that was running a great promotion at the time. I didn't get another Discover again till about eight years ago. I have always found their customer service outstanding. I recall two situations where they helped me, when other folks told me they couldn't or wouldn't. First, due to a drunken night on the computer, and not remembering I had already paid it by phone, I mistakenly paid my car payment twice. Ford Credit wanted forms and faxes to return my funds, but Discover fixed it for me without all that. Second happened while getting eyeglasses four years ago. The young lady had swiped my card, then repeated the whole transaction when I pointed out she had forgotten to charge for my exam. I asked her if I was going to get charged twice, she said no. Wrong. Discover helped fix this quickly, after the optical place said it would take over two weeks. Of course, I like the cash back, I don't utilize all of it, as I only charge a couple hundred a month on this. I do get a number of calls from them pushing new services, but I just let them go to VM. My only other complaint is their website. It's not awful, but other financial websites I use seem a little more user friendly. A little clunky.
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Kyle Ervin @kyle_ervin_52
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5 Star Rating
While on vacation this card actually saved me a lot of head aches. I was in Key West in Florida and the second day there a suitcase was stolen with my wallet and clothes in it. It nearly turned my whole experience upside down! After the realization sunk I was beginning to despair and then I remembered taking my Discover card out when I went to the bar in the pool! Thanks to Discover for having the hassle free service with low APR that they do, because I was forced to put the rest of my trip on that card. I was able to take a breath and relax even though a lot of important things in my wallet were gone and a lot of money. I didn't have to go back home or call anyone for help. It totally saved the experience for me and although my first time to Key West wasn't the most memorable, I didn't have to let someone else's criminal behavior influence my time to be on vacation. I really owe that to Discover for their flexibility and thanks to their rewards program I was even able to recoup some of the money that had been stolen. I would recommend this card to anyone and I'm still using it today.
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Lucas Jaeger @lucas_jaeger_94
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5 Star Rating
This is by far my favorite card! I have not experienced a single drawback over the past five years I have had it. As someone who drives quite frequently, the 2% cash back on gas (and restaurant) purchases up to $250 has paid off immensely. There is also cash back awarded on other purchases, although at a much smaller rate. They have an excellent online platform for online banking as well as wonderful customer service. There have been minor errors in my billing statements that customer service has always been more than happy to fix - they always want to make sure you are happy! I definitely recommend this card!
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Andy Sasser @andy.sasser
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5 Star Rating
I've been using this card for almost 10 years. I am incredibly pleased with the card in every respect. There is no annual fee, and the rewards are excellent. Customer service is outstanding; about a year ago my card was stolen, and they immediately contacted me and dealt with the fraud without inconveniencing me at all. Their website is also incredibly easy to use, and helps to manage your account, accepts online payments, and gives you ample options to use your rewards.
The cash back bonus is excellent - you earn 2% cash back on gas and restaurant purchases up to $250 and a percentage on all other purchases; since we use this card for most of our major purchases, we end up earning several hundred dollars a year in cash back each year. Discover offers a wide range of options for using your rewards, from straight cash back (credits to your account) to gift cards from other vendors. You can even use your cash back to directly make purchases on Amazon!
All in all, this is a great card and a great option for earning rewards from your everyday purchases.
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San Mani @san.mani.5
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5 Star Rating
I have started using discover card for more than 4 months now. I had many cards which never gave me cash back offers & i purchased many items using those cards but was not properly rewarded. I came to know about discover card from few of my office colleagues & i started using it. It is the best card i would love to use it for ever. I am really excited to take advantage of the cash back they offer on gas and restaurants and also on shopping.There are several other opportunities to increase the cashback amount with different featured programs by just giving phone call to the representative & they will immediately increase you credit limit without any hassles. The customer care department on the phone were extremely nice and helpful. I have not faced any issues till date. I would surely recommend this card to my family members & friends. They gave me $50 cash back after i made my first statement bill. They also gave me many cash back when i referred friends.
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Mike Poirier @mike.poirier.121
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5 Star Rating
Our Discover card is probably our most used credit card. We use it for everything; groceries, gas, and household expenses, you name it. The cash back options are fantastic and are always on things that we’d buy. Discover Card’s customer service is always great too. There have been a few times when we’ve made online purchases, from one of those auction sites, and have been burned by the seller meaning they never sent out the product, but were more than willing to take our money. All we had to do was give customer service and call and they were able to reverse the charge practically no questions asked. I would recommend Discover Card to anyone looking for a credit card. We are very pleased.
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Jordan Prohuska @jordan.prohuska
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5 Star Rating
Discover has been exceptional for me. This is my first credit card and I have not had a single problem. I would recommend this to any first time credit card users. There are no annual fees and a low APR rate. My favorite part is their rewards. If you commute to work or school, this is the card for you. You get a good cash back rate on gas and also on restaurants. You can redeem the money for a good variety of gift cards or you can put the money back onto your card. The Discover site is easy to use and it keeps track of all of your purchases, even putting them into easy to understand graphs and charts. I highly recommend the Discover Open Road Card!
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