Discover® More(SM) Card
issued by Discover |
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Overall Rating
Benefit Rating
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Apply online for this card or
read on for a full review of all the features.
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 In-Depth Credit Card Review |
This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar.
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.
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 6 months, and a 0% introductory APR on purchases for up to 6 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(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.
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Note: The review of this Discover card was updated on 10/08/2009 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
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| Key Card Information |
| Introductory Rates and Terms |
| Intro Rate: | 0% Intro APR |
| Applied Towards: | Balance Transfers |
| Details: | There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. See terms and conditions for complete details. | | Miscellaneous Rates and Terms |
| Credit Limits: | n/a (Maximum) |
| Purchases APR: | As low as 11.99% | | Cash Advance APR: | 23.99% | | Finance Config: | Average Daily Balance (including new purchases) | | Grace Period: | 25 Days (Min.) | | Fees Associated with this Card |
| Annual Fee: | $0 |
| Add. Cardholders: | $0 |
| 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 Transfers: | 3% for each balance transfer made under this offer
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| The Rewards Program Highlights |
| Optional Reward: | No |
| 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. |
| | 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®.) |
| Additional Highlights of Interest |
Special Card Benefits and Features
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Various card designs to select from.
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Various Internet account related services.
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Up to $500,000 in travel accident insurance.
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Fraud and security protection services.
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Auto rental insurance.
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Discounts on products and services at participating merchants and retailers.
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See website for additional benefits.
Important Notes Regarding This Offer
*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 11.99% - 18.99%.
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. |
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