Discover Open Road Credit Card Review

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Discover Open Road Credit Card Review

Postby CreditCardGuru » Sun Nov 03, 2013 7:44 pm

Before you try to apply card in 2013 I have some bad news for you. Recently Discover announced their Open Road card would be permanently discontinued. You will no longer find the application on their website.

Discover Open Road
How do the rewards work? What’s unique is that it gives above-average cash back for two popular categories:
  • You earn 2% cashback bonus at every gas station & restaurant on the first $250.00 spent at those places per month
  • You earn 0.25% to 1.00% cashback bonus on all other purchases
Accepted at over 90% of merchants Please note this is not the Discover of 10 or 20 years ago. Today they are accepted at more than 90% of U.S. merchants who take credit cards.
November 3, 2013 Update: This card has been discontinued. Here are some good alternatives to consider:
I'll leave up the old review of the Open Road card (below) for reference purposes, but please realize it's now outdated since the card has been cancelled.

If you like the rewards, there's a lot more to what they're offering. The Discover Open Road credit card comes with several unique benefits you will be hard pressed to find with most other banks…

1st Benefit: 5% to 20% cashback for online shopping
As Discover cardmember, you can get 5% to 20% cashback bonus at the hottest online retailers. There are over 150 different leading online stores that participate in this exclusive program. Here are just a few examples:
5% at, 5% at iTunes, 10% at Barnes and Noble website, 5% at Orbitz, 5% at Travelocity, 10% at, 20% at, 15% at, 10% at, 10% at and many, many more.
And that’s not all, there’s even more…

cash back to gift card conversions
2nd Benefit: Multiply your cashback upon redemption
The cashback bonus earned on your Discover Open Road can be redeemed at face value for a statement credit or direct deposit into your bank account.

Or you can choose to cash it out and get more than face value – up to double the amount – when you choose to redeem it for gift cards or eCertificates from over 100 brand-name partners. For example....
$20 cash back = $25 Gap gift card
$40 cash back = $80 Royal Caribbean certificate
$45 cash back = $50 Starbucks gift card
Think about it – that makes your 2% at gas stations and restaurants [potentially] worth even more.

3rd Benefit: American customer service reps
Are you sick and tired of calling up your credit card company and talking to someone in a foreign country who just sounds like they're reading from a script?

Well with the Open Road you won't have that problem. Discover's call centers are based right here in the US. Not to mention, for several years now they have ranked at #1 or #2 on J.D. Power & Associate's credit card satisfaction survey.

What Are The Drawbacks?
Not everything about this card is peaches and keen. In fact, it has something a little ugly about it. I'm talking about the fact that it only gives 0.25% (1/4%) cash back on the first $3,000 in purchases per year outside of the categories. It's only after you spend $3,000 on other purchases that you begin to earn 1% on them. That makes the Open Road a bad choice for anything other than gas and eating out.

The other drawback is that only the first $250 spent per month at gas stations and dining purchases will qualify for the 2%. After that, you earn the regular cash back as discussed in the last paragraph. I don't know about you, but I spend a lot more than $250 per month on those two categories so the Discover Open Road is a bad choice for me. That being said, I do love their new "it" card that gives 5% on categories (it's arguably the best cash back card on the market right now).

Conclusion for 2013?
This was a decent program since it gave up to 2% cashback at every gas station and restaurant. Sad to see it go, but the good news is that there are several new reward programs for 2013 which are even better.

Go here to compare 2013's top gas credit cards

Last edited by CreditCardGuru on Wed Jan 05, 2011 2:18 am, edited 13 times in total.

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