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Credit Card Reviews » Discover® Business Card |
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Searching for a cash reward credit card, that takes a solid credit history into consideration? Discover offers The Discover® Business Card for those who enjoy the knowledge that their good credit can result in comparable rewards.
The reward program offers some of the following benefits: For the first $2,000 spent on office supplies, cardholders will earn a full 5%. Spend $2,000 in gas purchases for your business vehicles and get a full 2%. Cardholders can also earn nearly 1% on other purchases, and .25% for acquisitions made at preferred discount stores and warehouse clubs.
For businesses with higher spending needs, Discover offers these rewards: Spending up to $5,000 on other purchases will be given a .25% rebate, while purchases exceeding $5,000 will see a 1% return.* Purchases made on gas and office supplies that better the $2,000 level, will earn the same rebate rate as other purchases.
If that wasn't enough, Discover® Business Card holders can earn up to a double Cashback Bonus® for redeeming those rebates for gift certificates at participating Discover Card Partners. Additionally, there is no annual ceiling on the amount of rebates that can be acquired, and there is no expiration date on them as long as the account is active within a three year period.
For those who qualify, Discover offers an appealing annual fee of $0, and an equally pleasing introductory rate of 0% on purchases and balance transfers. The introductory rate is effective for twelve months. The card also features a reasonable APR.
Looking beyond the attractive reward program, The Discover® Business Card also provides several platinum benefits that include; fraud protection, security protection services, as well as access to PurchaseChecks. Cardholders can also get discounts on products and services at participating stores.
Business owners who meet certain requirements for their card usage will benefit the most from this card. Those who anticipate spending over $5,000 annually (to earn the 1% cash rebate), will be using their Cashback Bonus® award at participating retailers (to qualify for double cash rebates), and plan to pay their balance in full on a monthly basis after the twelve month introductory rate expires (to avert exorbitant finance charges), will surely reap the rewards of the Discover® Business Card.
*It is important to note that like many other cash reward cards, the highest rebate offered will not apply to all purchases made with that card. In this case, 1% will only be applied to those purchases made after the cardholder exceeds purchases of $5,000 in one year, so the overall cash rebate earned will actually be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $7,000, only $2,000 of this amount would be applied towards the full 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.
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0% Intro APR on Purchases, Balance Transfers for 12 months
13.99% Regular Variable APR for Purchases
22.99% Regular Fixed APR for Cash Advances |
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20 days Grace Period |
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| (* There is a 0% introductory APR on purchases and balance transfers for 12 months) |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: None on balances up to $100; $39 on balances of $100 and greater. |
| Over-The-Limit Fee: None on balances of $1,000 or less; $39 on balances greater than $1,000. |
| Cash Advance Fee: 3% for each cash advance, with a minimum of $5 and no maximum. |
| Balance Transfer Fee: 3% for each balance transfer made under this offer, with a minimum of $5 and a maximum of $75. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 0.25% |
| Rebate Maximum: 5% |
| Additional Rebates: Each year, earn a full 5% Cashback Bonus on your first $2,000 in office supply purchases and a full 2% on your first $2,000 in gas purchases |
| Bonus Rebates First Purchase: n/a |
| Bonus Rebates Other: n/a |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Discover® Business Card: |
Various Internet account related services.
Access to PurchaseChecks.
Fraud and security protection services.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits. |
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| Important Notes for Discover® Business Card: |
See website for complete terms and conditions of card usage and application disclosure.
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| Home » Apply for a Credit Card » Credit Card Issuers » Discover for Business |
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| Notes: The review on Discover® Business Card was updated on January 14, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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