Issues by Morgan Stanley, and designed for consumers that have a very good or excellent credit rating, the Discover® Platinum Wildlife Card offers cardholders a rewards program in the form of cash back on purchases that are made using the credit card. The cash back rates can vary, and the amount of rebate earned will depend upon where the purchase was made and how much was spent. Rebate percentages vary between 0.25% and 2%.
This credit card offers a 0% interest rate for a ten month introductory period, and this applies to both new purchases and balance transfers. After the introductory period, the interest rate rises to between 9.99 percent and 16.99 percent. A 20.99 percent charge is applied to cash advances using the credit card. There is no annual fee with the Discover® Platinum Wildlife Card, and the card also offers a 25 day grace period. The credit limit on this card is between $5000 and $50000.
There is a charge of between $15 and $39 for late repayments made on this credit card, and over the limit fees stand between $15 and $35. The exact amount charged on these fees is dependant upon the balance of the credit card. For cash advances there is a charge of either three percent or five dollars, and the same charges apply to balance transfer transaction, although there is a maximum limit of $50 per transaction on balance transfers.
As well as offering a cash rebate rewards program, this credit card offers some of the standard cardholder benefits, which include: a choice of card designs, online account management, car rental insurance, travel and accident insurance cover, fraud and security protection, emergency card replacement, discounts at specified retailers, and a free key ring sized credit card.
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