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  Home & Garden Showplace Discover

Out of Business

Home & Garden Showplace Discover

in Personal Credit Cards from Discover Bank

Out of Business

Home & Garden Showplace Discover

in Personal Credit Cards from Discover Bank

Net Recommendation Score -50%

SUPERMONEY NET RECOMMENDATION SCORE

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Highlights
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Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 15.49% - 26.49%
Balance Transfer APR  (Variable APR) Starting at 27.49%
Credit Score Range 640 - 850
Annual Fee $0

Home & Garden Showplace Discover Review

Home & Garden Showplace Discover is no longer available to new customers on SuperMoney.

Click here to compare Personal Credit Cards and quickly find the best options for your needs.

Home & Garden Showplace Discover is a store rewards credit card issued by Discover Bank. If you're wondering whether Home & Garden Showplace Discover is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of up to 3x.
  • Signup bonus. Offers a signup bonus of $10.
  • Competitive APRs. Home & Garden Showplace Discover has a variable purchase APR that ranges from 15.49% up to 26.49%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Home & Garden Showplace Discover charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. Discover Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Gas rewards.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
Home & Garden Showplace Discover Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Home & Garden Showplace Discover reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card rewards.
Home & Garden Showplace Discover FAQ

Is there a Home & Garden Showplace Discover cash back or rewards program?

Home & Garden Showplace Discover offers a rewards program to its customers.

Home & Garden Showplace Discover Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) $10

Does Home & Garden Showplace Discover have a signup bonus?

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

Does Home & Garden Showplace Discover offer an annual loyalty bonus?

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

What are the relevant APRs for Home & Garden Showplace Discover?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Home & Garden Showplace Discover has lower than average purchase 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% .

Does Home & Garden Showplace Discover have an introductory APR offer on balance transfers?

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

Does Home & Garden Showplace Discover have an introductory APR offer on new purchases?

Home & Garden Showplace Discover does not offer an introductory rate on new purchases.
Home & Garden Showplace Discover Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Home & Garden Showplace Discover?

The following fees apply to Home & Garden Showplace Discover:

Home & Garden Showplace Discover Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $38
Late Payment Fee $38

Does Home & Garden Showplace Discover have a foreign transaction fee?

Home & Garden Showplace Discover charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Home & Garden Showplace Discover

  • Visit the Home & Garden Showplace Discover website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1x
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee $38
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Bonus Rewards 3x
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
Signup Bonus $10
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 27.49%
Balance Computation daily balance
Purchase APR (Variable APR) 15.49% - 26.49%
Balance Transfer APR (Variable APR) Starting at 27.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Home & Garden Showplace Discover Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-50%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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