Credit Card Review: Discover® More Card

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Estimate Reward Earnings

Wildlife fans who are looking to receive great rewards on their credit card, have great credit, and want to display their love of wildlife should consider the Discover More Card - Wildlife Collection. The reward program is substantial for many people and an opportunity to start earning cashback with each purchase you make using the credit card.

The Discover More Card - Wildlife Collection offers a wide range of rebates, up to 5% cashback. To receive 5% cashback, Discover More Card - Wildlife Collection cardholders should make purchases in particular categories. These categories change quarterly, which gives you the best opportunity to earn 5% cash back. Each quarter, the 5% categories change. This is perfect for many because their choices of shopping or needs change frequently. Some categories might include movies, restaurants, gas, home, travel, and so much more.

For purchases made generally, Discover More Card - Wildlife Collection cardholders will receive as much as 1% cash back for those purchases. For purchases made at participating discount stores and warehouse clubs, you will earn .25%. Additionally, you receive more bonuses and cash back opportunities by using the Discover More Card - Wildlife Collection. For example, you receive cashback when you accumulate specific spending ranges as well.

When you have accumulated $1,500 in spending, you will receive a rebate of .25%, when you accumulate over $1,500 and less than $3,000, you will receive a rebate of .5%, and finally, when you accumulate more than $3,000 in spending, you will receive a rebate of 1%, per year.
Earn more with the Discover More Card - Wildlife Collection. When redeeming your rebates, if you redeem them to receive a gift certificate good towards purchases made at participating partners of Discover, you have the opportunity to earn double the bonuses.

What is more, you can earn as much as you would like each year in rebates, there are no limits and even better, your rebates will never expire, provided that you keep your account in an active status. The Discover More Card - Wildlife Collection has no yearly fees and a great introductory interest rate of 0% for a full year. This introductory rate applies towards both balance transfers and purchases. For qualifying cardholders, the interest rates will be quite low after the introductory period has expired.

Along with spectacular rewards, you can enjoy all of the benefits in being a Discover cardholder when you apply for and receive the Discover More Card - Wildlife Collection. Some benefits include security and fraud protection, insurance for car rentals, and insurance during travel in the event of an accident. You will also be able to enjoy discounts from participating retailers and merchants on their services and products.

(Review Updated: January 25, 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® on Get More purchases in popular categories that change four times a year like home, apparel and more. Earn up to 1% Cashback Bonus on all other purchases automatically

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.

Expiration: None

Yearly Limit: None

Additional Features for Discover® More Card - Wildlife 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 - Wildlife 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 - Wildlife Collection was updated on January 25, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.