Overview

Who is this credit card designed for?

Home & Garden Showplace Discover is a store credit card issued by Discover Bank, which is based in Greenwood, DE. 

Home & Garden Showplace Discover is designed for people with a credit score of 640 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. Discover Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

Home & Garden Showplace Discover has a variable purchase APR that ranges from 15.49% up to 26.49%.

The card has a variable balance transfer APR starting at 27.49%.

It also has a variable cash advance APR starting at 27.49%.

Is an introductory APR offer available?

No, Home & Garden Showplace Discover does not come with an introductory APR offer for balance transfers.

Home & Garden Showplace Discover does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Home & Garden Showplace Discover:

• There is no annual fee.
• A late payment penalty of up to $38.
• Home & Garden Showplace Discover does not charge a returned payment fee.
• A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

Home & Garden Showplace Discover offers a rewards program to its customers. This card features rewards for purchases in the following categories:

• Every Purchase
• Gas
• Groceries

Is a signup bonus offered?

Yes, Home & Garden Showplace Discover offers card users a signup bonus worth up to $10.

Is an annual loyalty bonus offered?

Home & Garden Showplace Discover doesn't offer a cash loyalty bonus.

Does Home & Garden Showplace Discover report your account activity to credit bureaus?

Home & Garden Showplace Discover reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion
• Innovis

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.