If you are in the market for a decent rewards credit card, than you might want to take a look at the Discover Escape credit card. They are offering 0% introductory offer right now for 6 months after you open your account. Once the introductory offer is over, the interest rate will go up to around 11%. Obviously, this, is going to depend on your credit score. Let me further elaborate on this. Those of you with a rating of 750 or higher will definitely be able to take advantage of the lower rate. For those that are not so credit worthy the 0% introductory offer does not apply. The rate, for the credit challenged, on balance transfers is going to be a lot more expensive, up to 16% dependent upon various factors. Be sure and pay your card on time every month in order to avoid any penalties. After two late payments you will fall under a penalty rate indefinitely. On the other hand, Discover does offer an exceptional rewards program for you to work with. Take a look at the following features and benefits as well as the terms and conditions before you apply.

The best rewards feature this card offers is an automatic 25,000 Miles bonus when you sign up. These rewards are not given to you all at once. These bonus miles can then be traded for gift certificates or cash back. Discover also has program called ShopDiscover.com that partners with variety of retailers that fall in every category from hotels, restaurants, shopping as well as airlines. You get to earn double miles by shopping at these participating affiliates. In addition, Discover is giving back cash discounts, also called a cash back bonus. I am sure that most everyone is familiar with how a cash back rewards card works, but let me give you some of the critical details. For the first $3000 that you spend, in any given calendar year, you will earn .25% on all purchases. After you have exceeded $3000 you will get to earn 1% unlimited cash bonus points. This card is great for someone that is going to charge a lot of money every year. Also, those of you who pay on time every month for 6 months will get something called a “pay on time” bonus. Be careful not to make more than 2 late payments as you will have all your bonus points fore fitted. If your account remains inactive for more than 18 months you also run the risk of having your points taken from you.

The Escape By Discover card also offers excellent insurance benefits for the frequent traveler. Take a trip, loose your luggage, claim it on your Discover card. That's right, Discover has lost or damaged luggage insurance. Should you get sick prior to your next vacation, don't worry if you booked your flight using your Escape card. Discover offers trip cancellation insurance as well. They also offer car rental insurance in case you have a traffic accident. Not to many stones have been left unturned when it comes to travel insurance benefits being offered.

The final verdict is in. The Escape Card is definitely a good choice for the traveler. You do need to check their restrictions before booking any flight. On the other hand, unlike most cards, Discover, does allow you to start using their bonus points after the first two months. Furthermore, so long as you remain a loyal customer your bonus points will follow. Make your payments timely and you will have no problems and you will even get a reward for that. Points can be easily redeemed by logging on to your account and selecting from the appropriate menu options. Lastly, If you have good enough credit, you will qualify for the 0% introductory offer and the lower interest rate once the introductory offer is over. Even with less than perfect credit, Discover might qualify you. However, be prepared to pay more money on interest.

For more information about the this credit card offer please visit the link below.

Owning a Discover More Card can prove to be a very rewarding for the consumer if it is used properly. Credit card acceptance these days is nearly universal thus making cash transactions almost obsolete. The rewards program associated with these accounts is very extensive, which is a major plus for responsible card owners. In actuality the reason why reward programs such as this exist is due to the excess of credit card customers that do not pay their bill on their due date every month. Experts say that rewards programs would probably cease to exist if it weren't for fees and of course interest. The average American's credit card debt today sits at about $8000. This works out pretty well for card providers, as interest rates seem to only be increasing, and have seemed to stable out at very high numbers. Remember, the higher your outstanding balance the better off it is for your credit card issuer, and not you.

Now, as long as your an individual who can manage their credit accounts responsibly you should have no problems taking full advantage of everything the Discover More Card has to offer. Try not to over-spend. Like any other kind of credit account try not to think of it as a source of income, but as a loan of sorts. If you can get in the habit of paying off your full balance every month, then you will reap the full amount of benefits of the rewards program without having to worry about paying an arm and a leg in interest. You will have a fantastic credit boosting account in your possession and nearly free of charge at that. There is no greater feeling than being able to sit back and take in the numerous benefits that credit card accounts can offer and at the same time not feel cheated by paying high amounts of sheer interest.

Effective on 10/1/10 there will be an automatic $75 cash back bonus for any new cards issued. The Discover More Card is issued standard with an introductory 6 month 0%APR on all purchases. and an amazing 0%APR for 18 months on all balance transfers. These are perfect for people who are trying to consolidate their credit card debt. If you can manage to pay your transfer off completely within your six-month time frame, then you have basically capitalized off an interest free loan so to speak. Discover will also never charge you an annual membership fee, something that a lot of card issuers do. You will get a 5% cash back bonus for things like travel, has, food, movies, and up to a 1% cash back bonus for all other purchases. By using your account online with certain vendors you can earn up to 20% cash back. Fraud alert can guarantee you at least a little piece of mind. The Fraud service is available 24/7, a live rep will always be at your disposal.



Like most credit card accounts, if you take care of your Discover More account then it will take care of you. One example of this is that if you happen to make an order cancellation mid-shipment and you are having a hard time with the merchant, contact Discover and they will be quick to assist you in the matter. They will still cancel the item on your account and assist you with the return process as best they can. Once again if you can manage your account responsibly then this will only better your chances for the company to work with you in any kind of situation. Contrary to popular belief, a lot of card companies will work with you, but you will ultimately have to take most of the responsibility upon yourself. If you can do that, odds are that you will be extremely happy with your Discover More Card.

All those that are in the market for an airlines rewards credit cards should consider the Discover Miles Card as a viable option. This airlines miles card is excellent for someone that has good credit and is serious about taking advantage of the rewards program that this travel card has to offer. This card is an excellent choice for the frequent flier or casual vacationer who wants to take advantage of a rewards program unsurpassed by few.
 
Rewards cardholders earn points by making purchases at participating retailers such as Dave and Busters ®,Olive Garden ®, or Applebees ®. This just names a few exciting partners that participate in the rewards program. The points earned as you casually shop can then be used towards the purchase of airfare. In addition, Discover goes the extra mile by being different than other providers. The major advantage the Discover Miles Card offer is the ability to redeem your miles at anytime without the hassles of blackout dates. Discover is in partnership with various airlines. Other card providers only partner with one specific airline. This makes scheduling your trips much easier.
 
The only drawback to this rewards card is that Discover will cap the number of points that you can earn per year at 60,000. The advantage is that your miles will never expire so long as your account does not become inactive for 36-months. Discover continues to undermine the the competition by offering new card owners 12,000 bonus points their first year of membership. This bonus is earned monthly with 1000 points being added every month for 12 months. Earn double miles for every dollar spent under categories such as restaurants and travel on your first $3000 of annual expenditures. The Discover Miles card also offers other great benefits such as travel insurance, fraud protection, auto rental insurance as well as a variety of other services.
 
For those who are new to the card, Discover has an excellent introductory offer with 6 months interest free on all purchases and balance transfers. Furthermore, the Discover Miles card comes free of annual fees so there is no need to worry about yearly membership charges that increase overall costs. The annual APR will vary between 11.99% and 21.99%, dependent upon individual credit history. Those with the best credit will be able to reap the benefits of the lower rate.
The Miles By Discover credit card also differentiates itself from the competition by using the “Average Daily Balance” method to compute interest charges versus the “Two Cycle Average Daily Balance” method. The “Average Daily Balance” averages your daily balance for thirty days in order to compute finance charges. The second method works a little different by using 2 months of daily averages in order to calculate finance charges. All the experts agree that the second method comes out more expensive than the first. Check out the link below and click your way to the Discover Miles Rewards Program

This blog is now located at __FTP_MIGRATION_NEW_URL__.
You will be automatically redirected in 30 seconds, or you may click here.

For feed subscribers, please update your feed subscriptions to
__FTP_MIGRATION_FEED_URL__.