Overview

Gardening enthusiasts have a lot to like where the Home & Garden Showplace Discover card is concerned. It's possible to save significantly on gardening-related supplies using the card, especially during the introductory period of 0% financing if you make a purchase that costs a minimum of $299 and you pay that balance off in full by six months. But, individuals seeking travel related rewards or cash back bonuses will be disappointed.

Who Is the Home & Garden Showplace Discover Card Designed For?

The Home & Garden Showplace Discover card is a co-branded consumer credit card with special discounts for purchases made through the Home & Garden Showplace. But it is also a regular consumer credit card that can be used for general purchases. It is not targeted toward students or for business use.

Are There Annual Fees With Home & Garden Showplace Discover Credit Card?

There are no annual fees.

Does the Home & Garden Showplace Discover Card Offer Rewards?

Cardholders earn 3 percent back for purchases made through the Home & Garden Showplace, 2 percent back for money spent on gas and groceries and 1 percent on everything else. But, the rewards program dictates that the percentages earned are issued in Home & Garden Showplace vouchers. 

Are There Foreign Transaction Fees?

The Home & Garden Showplace Discover card charges 3 percent on all foreign transactions.

Are There Late Payment or Other Penalty Fees?

Late payments and returned payments are subject to fees of up to 38 dollars each. Balance transfers, cash advances and convenience checks are subject to a fee of 10 dollars or 3 percent of the total transaction, whichever is higher.

Summary

If you have a green thumb, the Home & Garden Showplace Discover card could be a good option given the introductory 0% financing offer on a minimum purchase of $299. Otherwise, the rewards program is skimpy and the APRs are on the high side, especially if your credit rating is on the low end of Average or Fair. The Discover card is also a bit more limited than Mastercard or Visa in the number of merchants that accept it.