Credit Card Review: Discover® More Card

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In-Depth Credit Card Review:

Estimate Reward Earnings

Discover has issued a sea lovers credit card known as the Discover More Card Sealife Collection. This credit card is specific for those looking for a reliable cashback reward card, as well as those who possess an excellent credit rating.

Discover More Card Sealife Collection cardholders have the opportunity to earn as much as 5% cashback rebate for qualifying purchases. What makes this card so unique and so valuable is the fact that the 5% categories are changed quarterly throughout the year. At any point in the year, cardholders have the ability to earn 5% cashback for any purchase they make, using the credit card, on products in categories such as movies, restaurants, gas, home, and travel.

For purchases made using the Discover More Card Sealife Collection at discount stores and warehouse clubs, they will ear 0.25% cashback. However, for all other purchases made using the credit card, outside of the categories, cardholders will earn as much as 1% for every purchase made.
General purchase rebates can also increase, depending on the total amount general purchases made in a year. For example, the .25% cashback applies for purchases totaling as much as $1,500. For purchases that fall into the range of $1,500 to $3,000 will receive .50% cashback, and for purchases totaling over $3,000 will obtain a cashback rebate of 1%.

The bonuses keep piling up for Discover More Card Sealife Collection cardholders. When you use your rebate rewards towards gift certificates received from one of the many partners of Discover. You can earn as many rewards as you would like, there are no limits. Furthermore, your rewards will never expire, if you continue to keep the account adequately active for 36 months in any period.

The sweeten the deal of the Discover More Card Sealife Collection, there are no annual fees, unlike some other cards, and you can enjoy an introductory interest rate of 0% for a full year on balance transfers and purchases. After the introductory period has expired, cardholders that qualify can still enjoy a relatively low interest rate.

Like many credit cards, Discover More Card Sealife Collection comes with additional benefits other than just rewards. For example, cardholders benefit from security protection, fraud protection, car rental insurance, and accident insurance during travel. You can also enjoy other benefits such as discounts on services and products with retailers and merchants collaborating with Discover.

(Review Updated: January 30, 2008)

Estimate Reward Earnings

0% Intro APR on Balance Transfers for 12 months
10.99% Regular Variable APR for Purchases
23.99% Regular Fixed APR for Cash Advances

25 days Grace Period

(* There is a 0% introductory APR on purchases for 6 months and a 0% introductory APR on balance transfers for 12 months)

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.

Minimum Credit Limit: n/a

Maximum Credit Limit: n/a

Type of Reward: Rebate

Rebate Minimum: 0.25%

Rebate Maximum: 5%

Additional Rebates: Earn 5% Cashback Bonus® in popular categories that change four times a year like travel, gas, restaurants, movies, and more. Earn up to 1% Cashback Bonus on all other purchases

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.

Expiration: None

Yearly Limit: None

Additional Features for Discover® More Card - Sealife Collection:

Various card designs to select from.
Various Internet account related services.
Emergency card replacement.
Auto rental insurance.
Fraud and security protection services.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.

Important Notes for Discover® More Card - Sealife Collection:

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 - Sealife Collection was updated on January 30, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.