Apply for the Discover® More(SM) Card now

Discover® More(SM) Card

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

Currently, cardholders can earn a $50 Cashback Bonus® when they spend $500 within the first three months the card is active. This is in addition to the generous rewards program.

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, an attractive 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.

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(SM) Card 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 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.

Most Attractive Feature
Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.

Least Attractive Feature
Low rate not available to all applicants.

Additional Benefits
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.

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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