- 5% Cashback BonusŪ in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback BonusŪ at top retailers through our exclusive online shopping site
- Up to 1% Cashback BonusŪ on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback BonusŪ 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 |  |
DiscoverŪ More(SM) Card - Sealife Collection Review
The DiscoverŪ More(SM) Card - Sealife Collection, issued by Discover, is designed for those with very good credit who are looking for a Cashback BonusŪ reward credit card.Through the reward program, cardholders earn a 5% Cashback BonusŪ in categories like travel, home, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores. Cardholders who apply now can also get a $40 Cashback BonusŪ*.
Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.*
As an added bonus, cardholders can earn up to a double Cashback BonusŪ 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 on purchases after the introductory rate expires 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 travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also have access to discounts on products and services at participating merchants and retailers.
Therefore, those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback BonusŪ 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 DiscoverŪ More(SM) Card - Sealife Collection 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 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 BonusŪ award.
More Credit Card Offers from Discover
- DiscoverŪ More(SM) Card
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- Miles by DiscoverŪ Card
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- DiscoverŪ More(SM) Card - American Flag
- DiscoverŪ Student Open Road(SM) Card
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