Credit Card Review & Application

Discover More Card - $0 Balance Transfer Fee!


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- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- 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: 12 months
APR on Purchases: 10.99% - 19.99% (variable)*
Annual Fee: $0*
Card Issuer: Discover Bank
Card Network: Discover®
Card Category: Consumer (Regular)
Card Type: - Instant Decision Card
- Low Interest Credit Card
- Reward Card
Credit Needed: Good*


For individuals with accumulated debt on other credit cards, the Discover More Card - $0 Balance Transfer Fee could be a lifesaver. Discover is offering its customers a 0% introductory APR offer for 12 months on purchases and balance transfers. On expiry a variable APR kicks in. The actual APR charged will be based on your creditworthiness and the prevailing prime rate.

As the name goes, the card also does not charge a balance transfer fee provided this is conducted within the offer period. With no fees to think of within this 12 month period, cardholders have an excellent opportunity to reduce their debt profile as they consolidate multiple card balances to this single card account.

There are almost no maintenance fees on the no balance transfer fee card from Discover. No annual fee is charged. However, transaction fees for cash advances and foreign currency as well as late payment and returned payment fees are applicable.

In line with most card issuers, Discover will not charge cardholders if they pay their entire balance by the due date for each billing cycle. You should also note that you would lose the introductory APR on new purchases and balance transfers on making a late payment.

On the rewards side of things, cardholders can earn cash rewards on all purchase transactions. You'll earn up to 1% cash back bonus immediately after your total annual purchases exceed $3,000. Purchases in select categories like gas, travel, restaurant, groceries, and home improvement attract a 5% cash back bonus. Categories that qualify change from time to time so be sure to keep yourself updated with the latest info.

As you accumulate cashback bonuses, a range of gift cards and instant eCertificates from more than 100 brand name retailers become available. As it stands, cashback bonuses do not expire so the cardholder may continue gathering them up for an y amount of time. And of course, cashback bonuses may be withdrawn from your account if your account gets closed, inactive or you do not make the minimum payment over two consecutive billing periods.

This Discover More Credit Card comes with Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance underwritten by the Federal Insurance Company.

This offer is valid for new cardmembers only. Current Discover card members may have to close their card accounts to qualify. Applicants may choose to authorize an additional user and get a FREE additional card with the user's name. Additional cards are a good option if you would like to share the cards credit line with your spouse, family member or friend.

Reward Types: - Cash Back Reward Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - 5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through
Expiration: None*
Yearly Limit: None
Other Benefits: - Internet account related services
- Auto rental insurance
- Fraud and security protection services
- Discounts on products and services at participating merchants and retailers
- $500,000 in travel accident insurance
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 12 months*
APR on Purchases: 10.99% - 19.99% (variable)*
Annual Fee: $0*
Grace Period: 25 Days (Min.)*
Min Finance Charge: $0.50
Late Payment Fee: $39.00*
Balance Transfer: Yes
Transfer Fee (%): 0.00%
APR Cash Advances: 23.99%
Cash Advance Fee: 5.00%
Minimum Fee: $10.00
We do not offer online application for this card at the moment.

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† The information provided for Discover More Card - $0 Balance Transfer Fee! 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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