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Discover® More Card
Issued by Discover
Overall Rating

Benefit Rating

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Review
The Discover® More Card, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card.

Through the rewards program, cardholders earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically.

As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.

The card has no annual fee and features an attractive 0% introductory APR on balance transfers for 15 full months, and a 0% introductory APR on purchases for 6 full months.

Aside from the reward program, the card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also receive discounts on products and services at participating merchants and retailers.

Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More Card has to offer.

*It is important to note that like many cash rewards cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will only be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.
Updated: July-02-10
Most Attractive Feature(s) : Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.
Least Attractive Feature(s) : Low rate not available to all applicants.
 
Note: The review on this card was updated on July-02-10. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Specifics
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Card Category: Reward - Cash

Introductory Rate : 0% Intro APR*

Applied Towards : Purchases, Balance Transfers

Introductory Rate Details : *0% intro APR on balance transfers for a full 15 months, and 0% intro APR on purchases for a full 6 months. See terms and conditions for complete details.
 

Annual Fee : $0

Additional Cardholders : $0

Grace Period : 25 Days (Min.)

Minimum Credit Limit : n/a

Maximum Credit Limit : n/a

Late Payment Fee : $19 on balances up to $250; $39 on balances over $250

Over-The-Limit Fee : $15 on balances up to $500; $39 on balances over $500

Cash Advance Fee : 3%, $5 minimum

Balance Transfer Fee : 5% for each balance transfer made under this offer

Reward Program Details

Rebate Minimum : .25%

Rebate Maximum : 5%

Additional Rebates : Earn a 5% Cashback Bonus® for purchases in categories like travel, home, gas, restaurants, movies, and more. Earn up to 1% Cashback Bonus® on all other purchases automatically.

Rebate Details : See the Discover® More Card terms and conditions for more information.

Expiration : None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus?.)

Yearly Limit : None

Bonus Rebates Details : n/app

Perks / Notations

Additional Perks

Various card designs to select from.
Various Internet account related services.
Up to $500,000 in travel accident insurance.
Fraud and security protection services.
Auto rental insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.

Important Notations

See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on Discover's website.

Additional Information

Apply Online for the Discover® More Card.

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APR (Purchases) : 11.99% - 20.99% (V)*
The APR for purchases is based on the Prime Rate.

APR (Cash Advances) : 23.99% Variable

Finance Configuration : Average Daily Balance (including new purchases)
 
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