Discover Platinum Card is one of the cash reward credit cards operated by Discover Financial Services, a business unit of Morgan Stanley.The card offers a number of benefits to the user.Discover Platinum Card provides 5% cash back on purchases made at select merchants or in certain categories throughout the year.You will get up to 1% cash back on all other purchases made using the card.Besides, you can increase your cash back bonus when you redeem your cash rewards for gift cards or certificates from the company's partners.Certain circumstances, such as account closure and inactivity for more than 36 months, however, could result in forfeiture of some or all your cash back bonus.The Annual Percentage Rate or APR is 0% for all purchases till the last day of the billing period.After that the standard APR (estimated between 11.24% and 18.24%) is charged.Balance transfer APR is 0% till the last day of the billing period.Post this period, the standard APR is charged.For defaulters, the rate is between 16.24% and 28.99% and is decided on the basis of their payment history.For cash advances, the APR varies between 20.99% and 22.99% based on what Discover Card you have.A 25 day (or more) grace period or interest-free period is also there for Discover Platinum Card holders.Credit limit for Discover Platinum Card is $5,000 and $1000 for Discover Gold/Classic Card.The two cycle average daily balance method is applied to determine the card holder's charges.This method is slightly costlier than the more commonly used daily average balance.The Discover Platinum Card has no annual fee.Also, there is no charge for additional cards on one account.You can share all the benefits of the cards with your family members with the additional cards issued in your name.The fee for every cash advance transaction with this card is 3%.It charges late fee of $15 on balances up to $500, and $39 on balances over $500.Its over limit fee is $15 on balances up to $500, and $39 on balances over $500.You will get air travel accident insurance and rental car collision coverage with this card.Some of the other benefits that the user of discover cards can receive are different card designs, online access to account information, emergency replacement of cards, protection against fraud, Insurance for auto rental, travel accident insurance up to $500,000.The company also provides easy account management options.Its online account options provide you timely reminders about fees and charges.Discover Financial Services a variety of other cards including the Discover Gold Card, the Discover Platinum Card, The Miles Card from Discover Card and an array of affinity cards.These cards, intended for meeting the different needs of people, have several benefits and incentives.It is suggested that if you are applying for any of the Discover Cards, you compare the benefits with other cards.Do a little research in the internet before going for the card.Also, you should understand the various jargons and terms like APR, fees, annual charges, cash back bonus, gift certificates etc, mentioned in the application form.If you do not understand any of the term and condition of the card, ask the customer care service for details, they will help you understand.Also, credit cards have both advantages and disadvantages.The users should be aware of the pros and cons if they have applied or now using the credit cards.The cards may be an easy solution to the cash crunch, but if misused you will fall under debt trap.Note. The figures specified in this article were current at the time of writing the article.However, author doesn't guarantee the correctness of these figures.

The Discover Mix Tape Student Card is a student credit card that offers its owners a little bit of two things that young people usually desire, freedom and flexibility.The rewards program allows Discover Mix Tape owners earn cash rewards on a variety of different purchases, while simultaneously providing up to 1% cash back on everything else.You can also choose from a number of different designs that are all customizable.Some of the design layouts you can choose from are wildlife, pets, sports, abstract designs, city and landscapes, and many more.The Discover Mix Tape Student Card offers a 0% introductory APR for six months on all purchases, in addition to 0% APR on balance transfers for 12 months.The 0% introductory offer on balance transfers is only available on transfers made from now until January 10, 2011.If you are going to capitalize off of this excellent balance transfer rate, then make sure to apply now for your Student Card.This is a no annual fee credit card.New card owners will automatically earn.25% cash back on all purchases with this cash back rewards credit card.In order for Mix Tape card owners to start receiving a full 1% cash back on all transactions, they must reach a total of $3,000 in spending.Keep in mind that although 1% cash back may not sound like a lot, the amount of earnings is unlimited.Card owners will also have access to ShopDiscover, where you can really maximize your cash back earnings with discounts and bonuses that some partnered merchants will provide.Card owners will also earn 5% cashback on different spending categories that are based on a rotation.This rotation was designed to best suit the needs for college students of today.Make sure you have a good understanding of the cash back bonus rewards program and start earning today with this account.The current category rotation is as follows..* January- March. Earn 5% Cashback on up to $800 worth of purchases when you spend at any restaurant, or for travel expenses like airfare and hotels.* March. Earn 5% Cashback on every purchase you make at drug sores and grocery stores.This is perfect for students looking to usher in the new season!* April- June. Earn 5% on every purchase that you make at any specialty clothing, home improvement, or department store.* July- September. Earn 5% cashback at movies, theme parks, hotels, and gas stations.Discover Mix Tape Card will reward you for enjoying your summer.You've earned it with your hard work and responsible card ownership!* October- December. Earn 5% Cashback on up to $300 worth of purchases at restaurants or at clothing stores.Make your holiday season a little extra nice with this Card.Mix Tape Card owners can start redeeming points in increments of $20, which is also the minimum to redeem.Remember that you can earn anywhere from 5-20% cash back rewards when you redeem your points online at ShopDiscover partnered merchants.No shipping or fees when points are redeemed for gift cards.If you choose a direct method of point redemption, then you can select from having the funds deposited directly into your bank account or have the amount credited back to your statement.Discover Mix Tape Student Card Information..After your intro rate expires, the standard APR for this account is a variable 13.99%-20.99% for purchases.You will be charged a 3% fee for all balance transfers during the introductory period offer, afterwards you will be charged either $10 or 5% of the total transfer amount, whichever is higher.The same rate applies for all cash advances.The Discover Mix Tape Student Card is a no annual fee credit card.Card owners will also have access to a lot of the other features that make Discover one of the best card companies on the planet.You will also have full access to online account management.You will be able to see a real-time transaction history on discover.Com and also be able to make their payments.This is also a great portal to ShopDiscover and a place to keep track of your cash back earnings.Earn big rewards with the Discover Mix Tape Student Card.

There are plenty of online discount shopping sites that offer cashback rewards at Apple, and even a percentage of your referrals' rewards (BigCrumbs offers 1.6% cashback at the Apple Store and Mr.Rebates offers 1% - read their special conditions).But one discount site that's often overlooked is hosted at our credit cards' sites.Whether it be points, miles, or cash back, it's an easy way to earn on everyday purchases, not just large purchases.After comparing different "shops," I found that ShopDiscover (Discover Card's shopping site) had the highest cashback rate for buying Apple products (5% cashback).Since I'm using my Open Road Discover card, I also get 1% cash back on all purchases, bringing the cashback discount to 6%.That doesn't sound like a lot, but when you buy an $1,800 laptop, it's a nice bonus.Plus, in your birthday month, you can get double cashback bonus on up to $500 of purchases (so you'll get 2% for that $500 portion instead of 1%).Make sure you sign up for the Birthday Double CashBack Bonus promotion on the website or call Discover.So here's how I saved 15% on my new MacBook Pro.Log into your DiscoverCard account.Click on "ShopDiscover" and choose "Apple Store" from the drop-down box.Click "Go.".Choose "Start Shopping" and a new window will automatically open, taking you to the Apple Store's website.Don't close this window.If you browse away from the site, log back into your Discover account and start at Step 2 again, otherwise you might not get the 5% cash back.After ShopDiscover redirects you to Apple.Com, click "Education Store" on the left-hand side of the page.You'll be asked for a school name, but not for a student ID number or other personal info (I went to "University of Southern California", zipcode "90089").When you've entered your school name, you'll be directed back to the Apple store.Click on MacBook Pro and the prices will now indicate a $200 discount for the two top-of-the-line MacBook Pro laptops and a $100 discount for the other three models.Select the model you want (note that other laptops and desktops also have discounted education pricing).If you're not adding any custom options to the laptop, scroll down and take a look at the printers.Even if you don't need a printer.It should state that there's a $100 rebate on the printer.I chose the Epson NX420, which is listed at $99.95.And although you're paying taxes on it, remember that you're getting 6% cashback and can sell it for half price on Craigslist or eBay.Or give it to your ex so she can stick shots of your mug on her wall and throw darts at them.Check if there's a free iPod Touch after rebate as well (or any other promotion).While you'll have to front the money and pay tax on these items, you'll get most of it back in the form of a cash rebate and what you make selling them afterwards will more than cover the other negligible costs.Click "Add to Cart" on the right and look for the Apple Care package (three years of service).The educational discount will get you $66 off this as well, and anyone who's had to deal with Apple computer problems will swear by it.Click "Check Out Now." Purchases of $50 and up qualify for Free Shipping but taxes still have to be added.Type in your iTunes or Apple ID and you'll be taken to the checkout page (you can click "Guest Checkout" if you recently got out of the pen and don't know what iTunes is).Once you've filled in your shipping info, the total should be displayed including taxes.So close.! Now, fill out your payment/shipping information.Use the same card that you logged into your Discover account with.In order to get the cashback, you have to pay with that card (sounds like a no-brainer, but then again, someone thought the world was flat not too long ago.).You'll get your payment confirmation right away and your cashback bonus could take up to 8 weeks to appear in your Discover account.You can either apply your bonus as a statement credit in denominations of $50, or withdraw it in denominations of $50.You can also use it to buy gift cards (some at a 20%-50% discount).Fill out the online form for the printer and iPod Touch rebate (no more cutting off the box flap and mailing it in!).My laptop arrived the very next day, my rebate check about 30 days later, and the DiscoverCard cash bonus for shopping at the Apple Store showed up on my next statement.MacBook Pro.$1,499.00 (Full Price) $1,399.00 (Education Discount).Printer.$99.95.Apple Care.$249.00 (Full Price) $183.00 (Education Discount).Taxes (9.25% in CA).$170.94 (On Full Price. $1,499+$99.95+$249) $155.58 (On Discounted Price. $1,399+$99.95+$183).Cashback (5% from ShopDiscover + 1% on all purchases with Discover Open Road).($100.92).Printer Rebate (From Apple).($100.00).Printer Sale (On Craigslist, Facebook Marketplace, etc.).($50.00).Total Cost.$1868.89 (Full Price) $1586.61 (Discounted Price).Final Savings.$282.28 (approximately 15.1% of the full $1868.89 price).Fine Print.If you don't use Discover, make sure your card's shopping site is for the Apple Store, not Apple iTunes.Make sure to read the terms and conditions before shopping - mine says it doesn't apply to iPads (1 or 2, new or used), iTunes, gift cards/certificates, tutorial services, gift-wrapping, etc.To get the printer rebate (and iPod Touch rebate, if it's available), you must buy a Mac and the printer on the same invoice.If you don't have a student ID but you have a business or are thinking about starting a business, you can apply to Apple for a business owner's discount.The discount is 10% off for life but you have to either call to place an order or go into the store, so while you'll get the 1% cashback (or whatever your card gives you on purchases), you'll forego the 5% you'd get from ShopDiscover or whatever site you would've used.