Everything About Discover Credit Cards

Discover card is one of the major credit cards used in the United States of America and few other countries like Canada. This card was previously known as discovery card but changed its name later on. Discover credit cards are issued by discover financial services which was established in the year 1985 by Sears. Most of these cards are financed by Discover Bank and are a hit with people who love to shop, travel and spend on leisure and entertainment.  Discover cards were not so famous in its early days but after they filed a lawsuit against MasterCard and visa to end their monopoly over credit and debit cards industry, they soon became famous. Many major banks and financial firms like HSBC, GE consumer finances are one of the initial ones who started using Discover cards for their bank.

But now there are many banks and financial companies around the world that issue Discover cards. ValuePlus financial company is a renowned company that provides various types of cards like merchandise credit cards, store credit cards, and other credit cards from all the major credit card brands like American express, MBNA, Discover etc. They are also known to provide many benefits along with these cards to their customers like reward points, cash back, nil or less annual charges along with any other charges. Moreover for applying to get most of these cards you do not require to have a good credit background so that you can improve your credit status with help of these credit cards but for some cards you need to have good and for others excellent credit score.

 There are many discover card credit cards  available on ValuePlus financial company’s website which can be bought easily by filling up a simple application. You can decide which discover card is suitable for you by comparing them from other cards available online or by reading the details given below:

• Discover More Card: on this card you will get a 0 percentage annual percentage rate or APR for 6 months and on balance transfer it will be for 18 months so that you can enjoy reduced rates as a welcome gift. Apart from this on every shopping in any shopping mart or online shopping portal you will get 5 percent cash back. You will also get cash back every time you use your card to buy gas, pay bills in restaurants and department stores.  Moreover you will also get reward points and other benefits as reward like no annual charges or any such fee so that you can say that I am proud of discover online card and do not forget to carry it anywhere with me.
• Discover credit card with cash back: if you have an excellent credit background and want to have a credit card that gives cash back on every purchase made through it then this card is ideal for you. You can get up to 20 percent cash back if you buy products from renowned merchants available on online shopping portals.  As a welcome gift, you also won’t have to pay the annual fee and any other charges. The annual percentage rate applicable on every purchase done through this card is 10.99 to 20.99 percent which won’t be charged for the first 15 months of card membership.
• Discover Motiva card: just like Discover More card, Discover Motiva card also gives you cash back on every purchase made using this credit card. You can use these cash back points to improve your credit score as you get up to 20 percent cash back on shopping from major online shopping portals. Apart from this, they give an opportunity to save money by not charging any annual percentage rate for first 15 months along with no annual charges. You need to have a good credit score for having this card. You can get thorough information from their website about the Discover Motiva Card.

These were the cards on which you get cash back. For people who love to travel and are on the list of frequent fliers then there are 2 discover credit cards or discover cards for you which are designed keeping all the needs of a frequent traveler in mind by them. These are:

• Miles by Discover Cards: this card is ideal for people who love to travel and want such card which gives bonus point on every purchase made while travelling. You can earn up to 120 dollars as travel rewards and 1000 bonus points every month for the first year. You can get 1 mile per dollar spend which can be redeemed for travel points, gift cards, any product or even cash. You need not to worry about if it will be accepted in this hotel or not or this airline will book your ticket or not, there are no rules or regulations on any booking in any hotel or airline. You can use your card anytime without meeting any hassles.
• Escape by Discover Cards: this one is better card and gives more bonus points then Miles card. You will get 250 dollars as travel points along with 1000 bonus miles for the first 25 months. In addition to this you can earn double bonus points on per dollar spend from this card. You will also get travel insurance benefits like primary car rentals, travel delay, cancellation of trip or for lost or damaged luggage. As a welcome gift no annual percentage rate will be charged for the first 6 months of card membership. You will have to pay annual charges of 60 dollars and also need to have an excellent credit background if you want your application to be selected.

Apart from these cards there are cards for students as well on which students can get bonus points and credit amount through which they can pay for their educational expenses. You can use this card for buying gas also on which you will get cash back along with redeemable bonus points. Visit myvalueplusfinancial.com for more details.