Features

Gardening enthusiasts have a lot to like where the Discover – Home and Garden card is concerned. It's possible to save significantly on gardening-related supplies using the card, especially during the six-month introductory period. But individuals seeking travel related rewards or cash back bonuses will be disappointed.

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

The Discover – Home & Garden 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 Discover - Home & Garden Credit Card?

There are no annual fees.

Does the Discover – Home & Garden Card Offer Rewards?

Cardholders earn 3 percent in Home & Garden Showplace vouchers on purchases made through the Home & Garden Showplace, 2 percent in voucher for gas and groceries and 1 percent on everything else.

Are There Foreign Transaction Fees?

The Discover – Home & Garden 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 35 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 Discover Home & Garden card could be a good option. The six-month 0 percent APR gives you a lot of time to buy up supplies with no interest. 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.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Discover
  • Minimum Age
    18
  • Co-signing Allowed
  • Late Payment Penalty
    $35
  • Minimum Interest Charge
    $2
  • Returned Payment Fee
    $35
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    14.24% - 25.24%
  • Transfer Fee
    3% w/$10 min.
  • Balance Transfer APR
    14.24% - 25.24%
js-table-filter bizname-discover-it
0
js-table-filter ccard-type-137
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js-table-filter cashback-135
js-table-filter free-fico-score-575
js-table-filter gas-139
js-table-filter groceries-141
11.24
js-table-filter restaurants-142
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1960

  • Cashback
  • Free FICO Score
  • Gas
  • Groceries
  • Restaurants
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.24%
Balance Transfer APR 11.24%
Intro APR period (months) 12
090
js-table-filter bizname-discover--home--garden
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1960

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
052
js-table-filter bizname-discover--grand-rental-station-discover-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
13.99
js-table-filter no-annual-fee-238
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 25.99%
006
js-table-filter bizname-discover-it-chrome
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter free-fico-score-575
js-table-filter gas-139
11.24
js-table-filter restaurants-142
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

  • Free FICO Score
  • Gas
  • Restaurants
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Purchases APR 11.24%
Balance Transfer APR 11.24%
Intro APR period (months) 14
106
js-table-filter bizname-discover-it-miles-with-no-annual-fee
js-table-filter air-miles-136
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter free-fico-score-575
11.24
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

  • Air Miles
  • Free FICO Score
  • Travel
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Travel
Card Type Rewards
Purchases APR 11.24%
Balance Transfer APR 11.24%
006
js-table-filter bizname-discover-it-with-cashback-match
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
js-table-filter restaurants-142
js-table-filter no-annual-fee-238
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

  • Cashback
  • Gas
  • Restaurants
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Balance Transfer APR 11.24%
006
js-table-filter bizname-discover-it-chrome-18month-balance-transfer
js-table-filter ccard-type-137
js-table-filter free-fico-score-575
js-table-filter gas-139
11.24
js-table-filter restaurants-142
js-table-filter no-annual-fee-238
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Free FICO Score
  • Gas
  • Restaurants
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Purchases APR 11.24%
Balance Transfer APR 11.24%
006
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Reviews

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0 votes

This card is really cool if you are a gardener like me! I like their home and garden showplace discount. If you go to a garden center that does this you can get a whole 10% off! And then you earn 3% on those purchases. You also earn either 1% or 2% on other purchases.

0 votes

I've had good luck with the Discover credit card. It's not perfect, but has worked well for me for more than 15 years. With so many changes going on in the credit card industry I bet a lot of folks are considering switching to a different credit card. As for me I have used the Discover Card for the last 15 years or so and have been happy with their service. While this credit card has some drawbacks, overall it's a very good credit card to use.


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