Apply for the Discover® More(SM) Card

Discover® More(SM) Card - Monogram

INTRO APR 0% Intro APR*
APR 10.99%
ANNUAL FEE $0
BENEFIT RATING

OVERALL RATING

MAXIUM CREDIT LIMIT $50,000

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Overview

The Discover® More (SM) Card Monogram is perfect for a person with very good credit looking for a card that can earn cash rewards. The card also features personalized designs which displays the cardholder's intial(s) on the card's face.

The reward program allows cardholders to earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. In addition, cardholders can automatically earn up to a 1% Cashback Bonus® on all other purchases.

As an added bonus, cardholders can earn up to a double Cashback Bonus® when their rebates are redeemed 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.

A unique feature with this card is that cardholders can choose from several card designs that will display their initial(s) on the front of the card.

The card has no annual fee, a 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve months. The APR for this card is reasonable for those who qualify.

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 on spending over $3,000 a year (to earn the 1% cash rebate), plan on using their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan on paying in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card - Monogram has to offer.

*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will 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.

Most Attractive Feature
Personalized card design; double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory APR; no annual fee.

Least Attractive Feature
Low rate not available to all applicants.

Additional Benefits
Cardholders choose their personalized card design.
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.

Rates & Fees

Card Category: Cash Rewards

Introductory Rate: 0% Intro APR*

Applied Towards: Purchases, Balance Transfers

Introductory Rate Details: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

APR (Purchases): 10.99%

APR (Cash Advances): 23.99%

Finance Configuration: Average Daily Balance (including new purchases)

Annual Fee: $0

Additional Cardholders: $0

Grace Period: 25 Days (Min.)

Minimum Credit Limit: $5,000

Maximum Credit Limit: $50,000

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: 3% for each balance transfer made under this offer

Important Notations: *The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.

Rewards

Points per Dollar:

Additional Points:

Applied Towards:

Point Details:

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

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