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.
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.