Discover® More(SM) Card

Please review the credit card offer information below and click on "Apply Now" to learn more or apply for the Discover® More(SM) Card by filling out a secure online application.

5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus® on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
0% Intro APR for 6 months on purchases, and 12 months on balance transfers

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed	Overall Rating
0%	12 Months	10.99%	None	Yes	Excellent Credit

Discover® More(SM) Card Review

The Discover® More(SM) Card, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card.

Through the reward program, cardholders earn a 5% Cashback Bonus® in categories like travel, home, 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® for 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, an attractive 0% introductory APR for 6 months on purchases, and 12 months on balance transfers. The APR for this card is reasonably low for those who qualify.

Finance charges applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges for those who occasionally carry a balance as compared to the "Average Daily Balance" method used by most card issuers.

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(SM) Card has to offer.

*It is important to note that like many cash reward 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.

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