- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
Introductory APR Info
Regular APR
Annual Fee
0% Intro APR*
11.99% - 20.99% (V)*
$0
Card Review
The Discover® More 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 15 full months, and a 0% introductory APR on purchases for 6 full 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 Card has to offer.
*It is important to note that like many cash rewards 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.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
Discover
Card Type
Discover
Card Status
Platinum
Important Notations
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.
Grace Period
25 Days (Min.)
Minimum Limit
n/a
Maximum Limit
n/a
Minimum Deposit
n/app
Over Limit Fee
$15 on balances up to $500; $39 on balances over $500
Cash Advance Fee
3%, $5 minimum
Balance Transfer Fee
5% for each balance transfer made under this offer
Application Fee
n/app
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.
Mile Details
n/app
Miles Per Dollar Spent
n/app
Additional Miles
n/app
Miles Work with FF Program
n/app
Points Per Dollar Spent
n/app
Point Details
n/app
Additional Points
n/app
Approval Bonus
None
First Purchase Bonus
None
Balance Transfer Bonus
None
Other Bonus
None
Bonus Details
n/app
Additional Perks
Various card designs to select from.
Various Internet account related services.
Up to $500,000 in travel accident insurance.
Fraud and security protection services.
Auto rental insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
