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Credit Card Reviews » Discover® More Card - American Flag |
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If you're an experienced credit card user with an excellent credit history, there's no reason to stay with a credit card that isn't doing anything for you. The Discover® More Card- American Flag credit card issued by Discover can get you the convenience that you want and the cash rewards that you have earned.
When you use your Discover® More Card- American Flag, you will automatically earn a 5% rebate for any purchases that you make in Discover's seasonally rotating popular categories. Discover gives you the options of categories that you will want to spend in, like restaurants, travel, movies and more, so that you can always get rewards on your purchases.
As a Discover® More Card- American Flag holder, you will also earn up to a 1% rebate for your everyday purchases, if you spend $3,000 a year or more, as well as a .25% rebate on purchases made at select warehouse clubs and discount stores, to get you savings on top of savings. Card holders who spend up to $1,500 on everyday purchases each year will still get a .25% rebate, and if you spend between $1,500 and $3,000, you'll get a .5% rebate!
In addition, if you redeem your rebate for gift certificates or cards from participating Discover Card partners, you can get up to a double Cashback Bonus®. With a Discover® More Card- American Flag, the sky is the limit there are absolutely no limits to the rebates you can earn, and your rebates won't expire as long as you use them within a generous period of three years.
Not only will your Discover® More Card- American Flag get you these incredible rewards, but they also come with great platinum benefits.
This credit card has absolutely no annual fee and an excellent introductory APR of 0% on purchases and balance transfers, and an extended introductory period of one year. After that time, the Discover® More Card- American Flag has a reasonable APR, in accordance with your credit rating. Finance charges on this card are applied using the "Two Cycles Average Daily Balance" system, so it can be a pricier card for anyone planning on carrying a balance. For everyone else, on the other hand, this credit card provides everything you could want from a cash rebate credit card.
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0% Intro APR on Balance Transfers for 12 months
10.99% Regular Variable APR for Purchases
23.99% Regular Fixed APR for Cash Advances |
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25 days Grace Period |
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| (* There is a 0% introductory APR on purchases for 6 months and a 0% introductory APR on balance transfers for 12 months) |
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| Finance Configuration: Two-cycle Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $19 on balances up to $250 and $39 on balances over $250. |
| Over-The-Limit Fee: $15 on balances up to $500, and $39 on balances over $500. |
| Cash Advance Fee: 3% for each cash advance, with a minimum of $5 and no maximum. |
| Balance Transfer Fee: 3% for each balance transfer made under this offer, with a minimum of $10 and a maximum of $75. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 0.25% |
| Rebate Maximum: 5% |
| Additional Rebates: Earn 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more. Earn up to 1% Cashback Bonus on all other purchases automatically. Earn a 0.25% rebate at select warehouse clubs and discount stores |
Rebate Details: Earn a full 5% Cashback Bonus on category purchases throughout the year by participating in each program.
Earn a full 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000.
Rewards have no expiration date.
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| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Discover® More Card - American Flag: |
Various Internet account related services.
Auto rental insurance.
No liability for unauthorized transactions.
Fraud and security protection services.
Discounts on products and services at participating merchants and retailers.
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| Important Notes for Discover® More Card - American Flag: |
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. |
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| Notes: The review on Discover® More Card - American Flag was updated on January 14, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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