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Direct Rewards Platinum®Quick Summary:
This Discover rewards card is issued by Direct Merchants Bank and offers unique rewards not listed in our current rewards categories. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 14.99%.APR's:
There is an introductory APR as low as 0.00% for 9 months. However, this intro rate only applies towards balance transfers. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate. Rewards:
This is a rewards card that offers unique rewards. Due to this card's diversity, the rewards are not categorized specifically in Finance Globe's rewards sections. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO score of at least 692 is recommended for a higher chance of approval for the Direct Rewards Platinum®, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Direct Rewards Platinum® is at least 20 days. So interest charges will not be applied during those days. This card is intended for consumers, or "personal use". Approval Rate:
There were 9 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 78% of those applicants were approved. There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Good Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 692, then your chance of approval may be greater than other applicants. Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved. Offer Details: With the Direct Rewards® Platinum Card you benefit from everyday purchases. Earn 1 point for every dollar spent* and redeem points for rewards you choose—including gift cards and gift certificates from your favorite merchants. Apply today!
Rewards
and Benefits:
- Earn rewards for everyday purchases
- 0% APR on balance transfers for 9 months
- 24/7 Online Account Management
- No liability for unauthorized use
- No annual fee
*Please view and verify the card offer's terms and
conditions regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Consumer Card Rate Comparison
| APR | 14.99% | | Avg. APR** | 11.98% | | Annual Fee | $0 | | Avg. Annual Fee** | $8.14 | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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