
True Value Discover Credit Card
in Personal Credit Cards from Comenity
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Purchase APR (Variable APR) | 16.24% - 28.24% |
Balance Transfer APR (Variable APR) | Up to 28.24% |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
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 |
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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.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Does True Value Discover Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does True Value Discover Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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%.Does True Value Discover Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does True Value Discover Credit Card have an intro APR offer on new purchases?
Description | |
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Introductory Rate | 0% |
Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for True Value Discover Credit Card?
The following fees apply:
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 have a foreign transaction fee?
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 foreign transaction fees.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.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 - Visit Site
Other Services by Comenity

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Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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