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| Card Features |
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Discover Open Road Card |
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First Premier Bank Premier Legend |
| Category |
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Consumer |
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Consumer |
| Network |
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Discover |
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MasterCard |
| Min Credit Level |
|
Bad (619 or less) |
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Bad (619 or less) |
| Rewards Program |
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Yes |
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No |
| Grace Period |
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25 days |
|
25 days |
| Method For Computing Balance |
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Average Daily Balance |
|
Average Daily Balance |
| Universal Default |
|
No |
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Yes |
| Revolving Credit |
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Yes |
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Yes |
| Secured Card |
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No |
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No |
| Estimated Rates |
|
Discover Open Road Card |
|
First Premier Bank Premier Legend |
| Intro Purchase rate |
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0% |
|
Not included |
| Purchase rate |
|
10.99% |
|
9.9% (fixed) |
| Intro Balance transfer rate |
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0% |
|
Not included |
| Balance transfer rate |
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10.99% |
|
Not included |
| Intro Cash advance rate |
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Not included |
|
Not included |
| Cash advance rate |
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24.99% (fixed) |
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19.9% (fixed) |
| Default rate |
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Not included |
|
Not included |
| Serious default rate |
|
Not included |
|
Not included |
| Fees |
|
Discover Open Road Card |
|
First Premier Bank Premier Legend |
| Annual Fee |
|
$0.00 for No
Credit/Bad
(619 or
less)/Fair (620 - 699)
/Good (700 - 749)
/Excellent (750+)
credit |
|
$48.00 |
| Balance transfer fee |
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3% for Fair (620 -
699)/ Good (700 -
749)/ Excellent
(750+)
credit
4% (Between $10.00
- $99.00) for No
Credit/Bad (619
or less) credit |
|
Not included |
| Cash advance fee |
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3% (minimum of
$5.00) for Fair (620
-699)/Good (700 - 749)/Excellent
(750+) credit
3%
(minimum of
$10.00) for No
Credit/Bad (619 or
less) credit |
|
3% (minimum of $5.00) |
| Late payment fee |
|
for Fair (620 - 699)
/Good (700 - 749)/
Excellent (750+)
credit
$19.00-
$39.00
for No
Credit/Bad (619
or less) credit
$29.00-$39.00 |
|
$29.00 |
| Over credit limit fee |
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$15.00 for account
balance between
$0.00-$500.00 for
Fair (620 - 699)/
Good (700 - 749)
/Excellent (750+)
credit
$39.00 for
account balance
greater than
$500.0.
$29.00 for
No Credit/Bad
(619 or less) credit |
|
$29.00 |
| Foreign currency fee |
|
Not included |
|
1% |
| Min finance charge |
|
$0.50 for Fair
(620 - 699)/Good
(700 - 749)/
Excellent (750+)
credit
$2.00 for
No Credit/Bad
(619 or less) credit |
|
$0.50 |
| Rewards Program Features |
|
Discover Open Road Card |
|
First Premier Bank Premier Legend |
| Rewards Program |
|
Cashback Bonus |
|
Not included |
| Reward Units |
|
Cash |
|
Not included |
| Rewards Expiration |
|
None |
|
Not included |
| Program Fee |
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None |
|
Not included |
| Total Earning Limit |
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None |
|
Not included |
| Bonus Unit Limit |
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None |
|
Not included |
| Sign-up Bonus |
|
Not included |
|
Not included |
| Annual Bonus |
|
Not included |
|
Not included |
| Base earning rate |
|
0.25% |
|
Not included |
| Max earning rate |
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5% |
|
Not included |
| Bonus Categories |
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Yes |
|
Not included |
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