Credit Card Review & Application

Discover More Card

4.5

out of 5

- 0% intro APR on purchases and balance transfers for 14 months, then the variable standard purchase APR of 10.99% - 20.99%*
- Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and everywhere you shop online through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It's free and easy to sign up.*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover website
- Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information



Introductory APR: 0%*
Introductory Period: See Terms*
APR on Purchases: 10.99% - 20.99% (variable)*
Annual Fee: $0*
Card Issuer: Discover Bank
Card Network: Discover®
Card Category: Consumer (Premium)
Card Type: - Instant Decision Card
- Low Interest Credit Card
- No Foreign Transaction Fee Credit Card
- Reward Card
Credit Needed: Excellent*

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Discover More Card is designed to charge its card member zero interest on applicable transactions during the intro period. It's a low interest card for those having good or excellent credit. As with most other cards, credit limit and interest given each applicant is based on credit worthiness as seen the credit report.

An introductory APR period applies towards purchases and balance transfers within a period. To ensure participation, balance transfers should be initiated during the application process. Interest charges purchases after the intro period is variable based on prime rate.

Card members pay no annual fee.

Coming down to this cards reward program, card members are entitled to earn as much cash through this program as there's no expiration date and yearly limit. Fresh card members earn 0.25% per transaction, but once they get to spend more than $1,500 rebates move upwards to 0.50%. A total of more than $3,000 in purchases further moves up cash earned to 1% per transaction. Cash earned are redeemable in $20 increments.

For even more cash, card members purchasing items related to travel, or from gas stations, drug stores, departmental and home improvement stores get up to 5% cash back. ShopDiscover is an exclusive shopping site made available to every Discover card member. Purchasing products from this site gives rebates between 5% and 20% per transaction. Card members may also enjoy various benefits and discounts with participating merchants and retailers. Rebates earned do not expire and there's no yearly limit.

Interested candidates applying for this card have several designs to choose from. A graceful grace period allows more time for card members to pay up.

Card members are entered into a travel accident insurance program as they purchase tickets to fly. Up to $500,000 is available as compensation to a beneficiary. Online purchases are well-protected and unauthorized online purchases earn the card member zero liability. Rental cars from select car rental companies are insured against damage.

Discover More Card is a premium consumer credit card with lots of benefits and an exciting cash bonus system. For those card member who take advantage, this card poses better ways to cut costs from otherwise impossible deals.

This card comes on the Discover network with thousands of accepting ATMs, and retailers worldwide.

Reward Types: - Cash Back Reward Cards
- Gas Reward Cards
- Travel Reward Cards
Reward Unit: Cash
Rewards: - Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and everywhere you shop online through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It's free and easy to sign up.*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover website
Expiration: None
Yearly Limit: None
Other Benefits: - Several card designs to select from
- Internet account related services
- Auto rental insurance
- Up to $500,000 in travel accident insurance
- Discounts on products and services at participating merchants and retailers
- Fraud and security protection services
Comments: * 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.
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: See Terms**
APR on Purchases: 10.99% - 20.99% (variable)*
Annual Fee: $0*
Grace Period: 25 days*
Late Payment Fee: N/A*
Balance Transfer: Yes
Transfer Fee (%): 3.00%
APR Cash Advances: 24.99%
We do not offer online application for this card at the moment.


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† The information provided for Discover More Card is believed to be accurate at the time of evaluation (Jan 3, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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