Home & Garden Showplace Discover Review

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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 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.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Cardholders can earn rewards on purchases everywhere Home & Garden Showplace Discover is accepted. Home & Garden Showplace Discover reports to multiple credit bureaus.	Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee. Does not include many credit card benefits.

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

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

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Home & Garden Showplace Discover Rewards

Minimum rewards rate (all purchases)	1x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus ($)	}$10

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% .

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 report your account activity to credit bureaus?

Yes, 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 may 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.