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Card Discover® More(SM) Card Apply Online
*Terms and Conditions

 
Discover® More(SM) Card
 
Issued by: Discover
Card Category: Reward - Cash
Introductory Rate: 0% Intro APR*
Time Period: 12 Months
Annual Fee: $0
APR: 10.99%

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Review - Discover® More(SM) Card
Updated: May 8, 2008
The Discover® More(SM) Card, issued by Discover, is designed for those with very good credit who are look ing for a cash reward credit card.

Through the reward program, cardholders earn a 5% Cashback Bonus in categories like travel, home, gas, restaurants, movies, and more. Apply for the Discover More(SM) Card credit card. 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® for redeeming their rebates for gift certificates from partici pating Discover Card Partners. Read our full review of the Discover More(SM) Card and the details on how to apply for this card. 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 attrac tive 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve months. Discover More(SM) Card Reviews and Reward Card Applications Online. The APR for this card is reasonably low for those who qualify.

Finance charges applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges for those who occasio nally carry a balance as compared to the "Average Daily Balance" method used by most card issuers.

Aside from the reward program, the card also provides several platinum benefits, including up to $500,000 in travel acci dent insurance, auto rental insurance, and various fraud and security protection services. Discover has a great variety of credit card deals. Cardholders will also receive discounts on products and services at partici pating 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 partici pating 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(s) - Discover® More(SM) Card
Double cash rebates at partici pating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.

Reward - Discover® More(SM) Card

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
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.
Bonus Rebates: Details: **Cardholders will earn a $40 Cashback Bonus® when $500 in purchases are made.

   

 

American Express SimplyCash(SM) Business Card

  • No annual fee;
  • unlimited cash back;
  • 0% introductory rate.

 

Financial Rewards® Visa® Platinum Plus®

  • No annual fee;
  • reasonable APR on purchases.

 

US Airways® Visa Signature® Credit Card

  • Bonus miles;
  • double miles through US Airways;
  • low introductory rate;
  • annual $99 companion tickets.
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