 |
|
| Credit Card Offers »
Discover »
Credit Card Reviews » Discover® More Card |
|
|
|
 |
|
Looking for a credit card that offers cash rewards? Have very good credit? If so the Discover More Card, offered by Discover may just be the credit card for you.
Offering an excellent rewards program, the Discover More Card offers cardholders as much as 5% cashback rebate when using the credit card for purchases. 5% rebate is earned when purchases are made for qualifying items in categories such as movies, restaurants, gas, home, travels and much more. For all other purchases made using the Discover More Card, cardholders will earn 1% cashback rebates.
The bonuses keep adding when you depend on Discover. To keep adding up the bonuses, when you receive your rebates and use them to obtain gift certificates for qualifying partners of the Discover card, you will earn double the cashback bonuses, which means double the savings for you.
What makes this card so attractive for people with great credit is that the rebates you earn do not have the expiration date and you can earn as many as you wish, as long as you continue to remain an active cardholder. Other than that, the Discover More Card offers an introductory 0% interest rate that applies to both balance transfers and purchases for the first full year. Furthermore, there are no annual fees to worry about as well.
After the expiration of the introductory interest rate, cardholders who qualify will continue to receive a relatively low rate of interest for the life of your credit account. However, for some their cycle of finance charges that apply to balance can be cause for a considerably higher bill than other cards, for people who tend to have a balance on the card, thanks to the method of Two Cycles Average Daily Balance, as opposed to the Average Daily Balance used by other credit card companies.
In addition to the excellent rewards program, the Discover More Card additionally comes with other benefits to appeal to their cardholders. Such benefits include security protection, accident insurance during travel, fraud protection, and insurance for car rentals. Additional benefits can be had when you shop with Discover partners such as specific retailers and merchants, you will receive special discounts on services and products.
To take full advantage of all the benefits the Discover More Card, you should plan to spend more than $3,000 per year, take advantage of the double Cashback Bonuses, and keep your balance paid in full on a monthly basis to eliminate the excess charges associated with interest rates and finance charges.
|
|
|
|
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 a 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies 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.
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: |
Various card designs to select from.
Various Internet account related services.
Fraud and security protection services.
Auto rental insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits. |
|
| Important Notes for Discover® More Card: |
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. |
|
| |
Look for Similar Credit Cards by Category |
|
| Home » Top Rated Credit Cards |
| Home » Apply for a Credit Card » Cards by Category » Cash Back Credit Cards |
| |
What is a FICO score?
 |
| |
| |
| Notes: The review on Discover® More Card 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.
|
| |
|
|
|
|
|
|
