The Discover® Titanium Card is a credit card that is issued by Morgan Stanley. This is a titanium credit card, and Morgan Stanley has designed the card to meet the needs of those with a very good credit history and rating. There is no cash rebate or other rewards program available with this card, but the credit card does offer some other credit card benefits. There is a $5000 minimum credit limit with this credit card.
Cardholders do not have to pay any annual fee with the Discover® Titanium Card, and the credit card offers a twenty-five day grace period. Cards are available at no extra cost for additional cardholders also. The credit card does offer an introductory 0 percent interest rate, and following this the APR charged on this credit card can start as low as 9.99 percent. However, applicants are advised to check out the terms of the card just prior to application as the interest rates charged can vary.
If you take out a cash advance on this credit card, there is a fee of three percent or five dollars, depending on which is the greatest, and the same charges apply to balance transfer fees. There is, however, a $50 maximum charger per transaction on balance transfers. For late repayments, cardholders will be charged between $15 and $39 depending on the balance of the credit card. If your card goes over the specified credit limit, charges also apply and these can vary between $15 and $35.
Although there is no rewards program with the Discover® Titanium Card, there are some standard cardholder benefits such as: travel insurance, car insurance, unauthorized transaction protection, fraud and security protection, a range of card designs to select from, online account management, and a free key ring sized ‘2GO' credit card.
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