The Discover® Platinum American Flag Card is a rewards based credit card, and is designed to meet the needs of consumers that enjoy a very good or excellent credit history. This credit card is issued by Morgan Stanley, and offers cash rebates on purchases made on the credit card. The cash rebates awarded can vary, and range between 0.25 percent and 2 percent, depending upon the amount spent and where the purchases are made.
In addition to the rewards program, the Discover® Platinum American Flag Card offers a range of other standard cardholder benefits, and these include: online account management, fraud and security protection, protection on unauthorized transactions, car rental insurance, travel and accident insurance, and even a free key ring sized credit card known as the ‘2GO' card.
There are also various charges associated with this credit card, although there is no annual fee to pay, and cards are available at no extra cost for additional cardholders. If you make a late repayment, you may be charged between $15 and $39 depending on the balance of your credit card. Likewise, if your credit card exceeds its credit limit, you may be charged between $15 and$ $35. Cash advances made on the Discover® Platinum American Flag Card are charged at the greater of three percent or five dollars, as are balance transfer transaction fees. However, there is a maximum limit of $50 on each balance transfer made.
This credit card offers an ten month introductory interest rate of 0 percent on both new purchases and balance transfers, but after this the interest rate can vary between 9.99 percent and 16.99 percent. Cash advances are charged at 20.99 percent. This credit card also offers a twenty-five day grace period.
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