True Value Discover Credit Card Review

True Value Discover Credit Card is a store cashback credit card issued by Comenity. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

If you're wondering whether True Value Discover Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of True Value Discover Credit Card

Pros	Cons
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.	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.

Is there a True Value Discover Credit Card cash back or rewards program?

True Value Discover Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

This card features rewards for purchases in the following categories:

• Every Purchase
• Home Improvement
• Retail

True Value Discover Credit Card Rewards

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

What are the True Value Discover Credit Card benefits?

True Value Discover Credit Card provides the following benefits:

• Free Credit Score
• Extended Warranty Protection
• Fraud Liability
• Price Protection
• Reports to major credit bureaus

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

True Value Discover Credit Card 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 True Value Discover Credit Card fees?

No Annual Fee. True Value Discover Credit Card does not charge an annual fee.

3% Foreign transaction fees. True Value Discover Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

The following fees apply to True Value Discover Credit Card:

True Value Discover Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$10
Returned Payment Fee	up to $38
Late Payment Fee	up to $38

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

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

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for True Value Discover Credit Card

• Visit the Comenity website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.