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  Home & Garden Showplace Discover

Home & Garden Showplace Discover

in Personal Credit Cards from Discover Bank

Claimed

Home & Garden Showplace Discover

Claimed

in Personal Credit Cards from Discover Bank

Net Recommendation Score -50% 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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Highlights
Highlights
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
Balance Transfer APR  (Variable APR) Starting at 27.49%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 15.49% - 26.49%

Home & Garden Showplace Discover Review

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.

  • Generous reward rate. You can get a rewards rate of up to 3%.
  • Signup bonus. Offers a signup bonus of $10.
  • Competitive APRs. Home & Garden Showplace Discover has a variable purchase APR of up to 26.49%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • 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.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • 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%.
  • Does not include many credit card rewards.

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.

What are the Home & Garden Showplace Discover fees?

The following fees apply to Home & Garden Showplace Discover:

Home & Garden Showplace Discover Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
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 score.

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...

Availability

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

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
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
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
Card Type
  • Gas
  • Rewards
  • Store Card
Card Network Discover
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Bonus Rewards 3x
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
Signup Bonus $10
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%

Home & Garden Showplace Discover Community Reviews

 

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Balance Transfer APR 14.24% - 25.24%
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Balance Transfer APR 14.24% - 25.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 680 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.24% - 25.24%
(Variable APR)
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Balance Transfer APR 14.24% - 25.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 690 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.24% - 25.24%
(Variable APR)
    0% 36% Variable APR
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Balance Transfer APR 11.99% - 23.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
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Starting Balance Transfer APR 25.24% Starting Variable APR
Credit Score Range 300 - 700     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 25.24% Starting Variable APR