10%Cash Back Bonus Plus !!!!!!!!!!!!!!

Cashback Bonus Plus Key Benefits





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0% intro APR on balance transfers*

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No annual fee

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Earn up to 10% Cashback Bonus on gas purchases*

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Earn up to 2% Cashback Bonus on other purchases*

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FREE Additional Cards

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Up to $50,000 credit line

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Online Account access

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Superior 24-hour Cardmember service
Get Up to 10% Cashback Bonus® Award on Gas Purchases*
Earn a Cashback Bonus award of up to 5% on your gas purchases plus up to 1% on other purchases. Then, you have the opportunity to get up to double your entire award value, up to 10%, with our Cashback Bonus partners, such as Bed, Bath & Beyond®, BLOCKBUSTER®, Crabtree & Evelyn®, The Sharper Image® and Sprint.
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Get an Unbeatable 0% Introductory APR on Balance Transfers for 12 Months*
Plus, transfer your balances when you apply online and you won't pay any transaction fees. Combined with no annual fee, this can all add up to big savings over the other cards you currently carry.
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Online Account Access
View your statements, check your Cashback Bonus award details, pay your bill and more in the Discover® Card online Account Center. Your Account information is password protected and secure.
Annual Percentage Rate (APR) For Purchases

The standard APR,
13.99%* or 15.99%*

Other APRs

Balance Transfers: 0.00% until the last day of the billing period ending during March 2005;* thereafter the standard APR for purchases

Default Rate:
19.99% or 24.99%*

Cash Advances:
20.99% or 22.99%


Variable Rate Information

Your standard APR for purchases may vary and is determined monthly by adding 9.99% â?  or 11.99% to the Prime Rate. â? 


Grace Period for Repayment of the Balance of Purchases

At least 25 days when you pay your balance in full each month


Method of Computing the Balance for Purchases

Two-cycle Average Daily Balance (including new purchases)


Annual Fee: NONE

Minimum Finance Charge: $0.50


CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum of $5 and no maximum. LATE FEE: $15 on balances up to $100; $25 on balances of $100 up to $1,000; $35 on balances of $1,000 and greater. OVERLIMIT FEE: $15 on balances $1,000 or less; $35 on balances greater than $1,000.

*Default Rate: If you are late making a payment, any introductory/special rates terminate and the standard purchase APR will apply to purchases and balance transfers. If you fail twice to make a required payment when due or if you exceed your Account credit limit twice, your purchase APR will be increased to 19.99%. If you fail 3 times to make a required payment when due or if you exceed your Account credit limit 3 times, your purchase APR and cash advance APR will be increased to 24.99%. See Cardmember Agreement for details.

â?  The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month.

You agree that if your application for the Discover® Platinum Card, with a minimum credit limit of $5,000, is not approved, your application will also constitute your request for a Discover Platinum Card with the higher APRs shown above and a lower credit limit.

Introductory/Special APRs: If you are approved for an Account, you will be able to make balance transfers under this offer until June 1, 2004. If you request a balance transfer after this date, or, we do not receive all required information for the balance transfer request, we will not make the balance transfer requested.



Please allow up to 4 weeks before payment of your other Account(s) is made. Accordingly, you should continue to make all required payments until you confirm that the balance transfer was made.


Balance transfers may not be used to pay any Discover Accounts.


Balance transfers do not earn a Cashback Bonus® award.


Balance transfer requests will be processed from the lowest to the highest dollar amount. If a balance transfer request is more than your available Account credit limit, we will automatically lower the balance transfer amount to your available credit and complete the transfer.


Transfer of a balance which contains disputed purchases or other charges may cause you to lose your dispute rights with regard to these purchases or other charges.


There is no grace period on balance transfers.


Any introductory/special rates will terminate if you are late making a payment or your Account is over limit as discussed in the Default Rate section above and in the Cardmember Agreement.

link:

https://www.novusnet.com/acqs/stdapp/req?cmd=splash&card=CBBP

Ron.
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Rewards Terms:

Features and Benefits: Up to 10% Cashback Bonus award when you exchange your cash award for selected products and services. These products and services are subject to change without notice. Cash award is up to 5% of each gas purchase (subject to a limit of $25,000 in annual gas purchases), plus up to 1% of each purchase on other purchases, based on annual level and type of purchases with purchases at lowest levels accruing awards at 5% or 1% as applicable under this Cashback Bonus Plus program. Gas purchase awards are accrued when you pay at the pump or in the station at merchant locations whose primary business is the sale of gasoline. If the sale of gasoline is not the merchant's primary business or transactions are not sent to Discover Card under merchant category codes 5541 or 5542, they will be considered other purchases as described above. For purchases made at select warehouse clubs and discount stores you will accrue a cash award at a rate of .25%. Award is redeemable in $20 increments. Restrictions apply. You will receive complete Cashback Bonus Plus Terms and Conditions with your Card.

 

I used this card primary for gasoline purchases and I don't use it inside Walmart or Sams Club.


Ron.

 

Now I used Discover Gasoline Card to instead of ExxonMobil Card (that give you 3% rebate) and Shell Platinum Select card MC. The best of all I don't have to use it only at certain gas station to take advantage of 5% gas rebate. I don't have to use it at least 9 times a year to avoid annual fee like Chase Perfect card and Shell Platinum Select MC. Right now I can go any gas station having cheaper gas to use my Discover Gasoline Card.
By the way, I convert my Titanium Card into this card and they still haven't sent me the new Gasoline Rebate Card. Last time I checked with them and they still run out card because too many people is getting the card.


Ron.

 

Jason,

You got a good rate for Discover Gasoline Card and I have mine at 11.99% fixed. I'm going to carry balances on the card. By the way, my BofA Platinum Visa is at 5.9% fixed rate for purchases and 4% BT for life.
You can call their retention dept to get your card rate down to 5.9% fixed.


Ron.

 

Jason,
I don't have to threat for closing my account. All I asked them whether they have any lower rate for my account. They put me hold to review my account and she told me that we can lower your rate to 5.9% for purchases. The rest of your cards rate looks good. I still haven't gotten my
Discover Gasoline Card and I used it whenever I can. (even I bought drinks and food inside the gas station count as the gasoline purchases.)


Ron.

 

Re: Re: 10%Cash Back Bonus Plus !!!!!!!!!!!!!!

George,

Yes, 5.9% fixed purchase rate for my Bof A Platinum Visa not Discover Gasoline card.


Ron.

 

Re: Re: Re: 10%Cash Back Bonus Plus !!!!!!!!!!!!!!

Steve,

It give you full 5% cash back on gas purchases and up to 1% (tier rate) on other purchases like other Discover Card. This card is primarily for purchasing gasoline to take advantage of 5% cash back.



Ron.

 

Re: Re: Re: Re: 10%Cash Back Bonus Plus !!!!!!!!!!!!!!

The Discover® Platinum Card with the Cashback Bonus® Plus Program, issued by Morgan Stanley, is designed for those with very good credit who are looking for a cash reward credit card.

Through the reward program, cardholders can earn up to 2% in cash rebates for general purchases made with the card. However, as with many cash reward related programs, the amount spent on the card reflects the cash rebate earned.

Those who spend up to $1,500 (or if purchases are made at select warehouse clubs and discount stores) will receive a .25% rebate, those who spend between $1,500 to $3,000 will receive a .5% rebate, and those who spend over $3,000 will receive a 1% rebate.* This card also offers a higher rebate on gas purchases; those who spend up to $1,500 will receive a 5% rebate; over $1,500 up to $3,000 will receive 3% rebate; and those who spend over $3,000 will receive a 1% rebate. Although there is no yearly limit to the amount of rebates awarded for general purchases, there is a limit of $25,000 in spending on gas purchases.

In addition to the standard cash rebate payout, earned rebates are worth double their value at participating retailers through the Cashback Bonus® award program. For rebates on gas purchases this equals up to a 10% Cashback Bonus® award.

Aside from the reward program, the card also provides several platinum benefits including travel accident insurance, auto rental insurance, and various fraud and security protection services.

The card has no annual fee, a reasonable interest rate for purchases, and an attractive 0% introductory rate for balance transfers that is valid until March 2005. However, finance charges applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges for those who occasionally carry a balance as compared to the "Average Daily Balance" method used by most card issuers.

Therefore, those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges), will benefit most from what the Discover® Platinum Card with the Cashback Bonus® Plus Program has to offer.

* It is important to note that like many cash reward cards, the highest rebate offered for general purchases will not apply to all purchases made with the credit card. In this case, 1% will only be applied to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For example, if the cardholder were to spend $4,000, of this amount only $1,000 would be applied towards the 1% rebate. However, this does not take into consideration any promotional offers or the Cashback Bonus® award.


Updated: February 8, 2004


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Most Attractive Feature(s): Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program).

Least Attractive Feature(s): Uses "Two Cycles Average Daily Balance" method when determining finance charges.

link:

http://www.cardoffers.com/reviews/cards/details/card.asp?id=964

Ron.