Final answer:
The average discount offered for different types of credit cards is not specified but includes rewards like travel miles. Financial discounts such as lower interest rates or cashback would vary and are influenced by the card's terms and user behavior. Cardholders who maintain a balance are subject to interest and fees, which can diminish the value of any discounts.
Step-by-step explanation:
When considering the average discount offered for different types of credit cards, it's vital to differentiate between rewards such as air travel miles and financial discounts like interest rate reductions or cashback. The question does not specify a clear average discount, but based on the provided background, it seems that the types of benefits cardholders receive may include travel-related rewards (a mile for every dollar spent) if they are part of the 35% who use such a card.
However, credit card interest rates generally fall between 12% to 18% annually. It isn't clearly stated what average discount cardholders get, but one can infer that card users who don't pay their balances might not necessarily benefit from discounts as they end up paying interest and additional fees.
Such financial considerations are important to factor in when assessing the true value of a credit card. The average discount for a card that provides travel miles may be offset if a consumer falls within the 25% who hardly ever pay the balance in full, potentially facing a 15% interest rate. To fully understand the average discount, one would need to assess the monetary value of rewards in relation to the potential costs of interest and fees.