True Value Discover Credit Card Review

This is a store cashback credit card issued by Comenity. If you're wondering whether True Value Discover Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. True Value Discover Credit Card has a variable purchase APR that ranges from 16.24% up to 28.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. True Value Discover Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, price protection, purchase protection, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

The Good

The Bad

No interest if paid in full within 6 months on purchases made at participating True Value locations. Discover card benefits Rewards points on purchases anywhere Discover card is accepted. 0% APR on new purchases during the first 6 months. No annual fee. Multiple credit card perks. Extended warranty and price protection on purchases. Free access to your credit score. Cardholders can earn rewards on purchases everywhere True Value Discover Credit Card is accepted. True Value Discover Credit Card reports to multiple credit bureaus.

For 6 month no interest offer: Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment Minimum purchase of $299 required to benefit from promotional financing offer. Requires good to excellent credit. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

Does True Value Discover Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

True Value Discover Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the True Value Discover Credit Card benefits?

It provides the following benefits:

• Free Credit Score
• Extended Warranty Protection
• Zero fraud liability
• Price Protection
• Reports to major credit bureaus

What are the relevant APRs for True Value Discover Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

It has a variable purchase APR that ranges from 16.24% up to 28.24%. The card has a variable balance transfer APR of up to 28.24%.

The card has a variable cash advance APR of up to 28.24%.

What are the fees for True Value Discover Credit Card?

The following fees apply:

True Value Discover Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $38
Late Payment Fee	up to $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does True Value Discover Credit Card report your account activity to credit bureaus?

Yes, True Value Discover Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

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 True Value Discover Credit Card

• Visit the True Value Discover Credit Card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.