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Rating:

Most Attractive Features: 5% Cashback Bonus on office supplies, 2% on gas, and up to 1% on all other purchases, Fee-free Purchasechecks that earn Cashback Bonus to pay merchants who don’t accept credit cards

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The Discover Business Card Card, issued by Morgan Stanley, is intended for individuals with outstanding credit scores and is looking for a cash reward credit card. The Discover Business Card allows you to promote a low introductory offer with no annual fee, Cashback Bonus Awards, fraud protection, and online bill payment. This program performs best when marketed to individuals with good to excellent credit.

The reward program entitles the cardholders a full 5% Cashback Bonus on office supplies*, 2% Cashback Bonus on gas*, Up to 1% Cashback Bonus on all other purchases*. Employee cards with customizable limits and monthly reporting on their spend. No annual fee.

Those who spend a maximum of $5,000 on other purchases not mentioned above will receive a .25% rebate, and over $5,000 will receive a 1% rebate.* Office supply purchases in excess of $2,000 and gas purchases in excess of $2,000 earn the rebate at the same rate as other purchases.

Another exciting bonus includes cardholders to get a double Cashback Bonus to exchange their rebates for gift certificates from participating Discover Card Partners. No yearly limit is set for the amount of rebates that can be earned, and rebates do not reach expiration as long as the account is active within 3 years.

There is no annual fee and a 0% Intro APR* for 12 months on Purchases. There is also a 3.9% intro APR for 6 months on Balance Transfers. For those who qualify, the APR for this card is reasonable.

Also, the card provides several platinum benefits including a variety of fraud and security protection services as well as access to PurchaseChecks. Product discounts and services at participating merchants and retailers are also available to cardholders.

The Discover Business Card will be highly beneficial to those who plan to spend over $5,000 a year to earn the 1% cash rebate; for those who plan to use their Cashback Bonus award at participating retailers to earn double cash rebates, and who plans to pay in full each month after the introductory rate expires.

*It is important to understand that like many cash reward cards, the highest rebate offered will not be applicable 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 $5,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $6,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus award.

Least Attractive Feature(s):
* Various restrictions applied to reward program.

Additional Perks
* Various Internet account related services.
* Access to PurchaseChecks.
* Fraud and security protection services.
* Discounts on products and services at participating merchants and retailers.

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*See Business Credit Card Site Application for complete terms and conditions.