Discover More Credit Card Review
The Discover More credit card combines unlimited rebates that never expire with a full 5% cash back rebate for Discover’s Get More merchants, making it one of the best cash back credit cards on the market. In addition to having no annual fee, the Discover More card also allows you to exchange your cash rebates for gift cards at up to twice the value of your cash back bonus, sometimes doubling the amount of your rewards.
You can also earn cash back when you shop online with partner merchants through the Shop Discover website. The amount of savings varies across retailers but can be as high as 20% in some cases.
Cash Back Rates – The 5% cashback bonus for Get More partners covers categories such as travel, home improvement stores, department stores, gas, groceries, and restaurants. All other purchases on the Discover More card earn cash back on a tiered rewards structure described below.
After your total annual purchases exceed $3,000, you’ll earn 1% cash back on money you spend outside of the Get More partner stores. Purchases that are part of your first $1,500 earn .25% and purchases that are part of your second $1,500 earn .50%
Doubling Your Rewards – Discover has teamed up with a list of stores that allow you to trade your cash back rewards for gift cards to those retailers. In many cases the value of the gift certificate you get is higher than the dollar value of your cash rewards. For example, the Discover rewards program lets you redeem your cash rebates in $20 increments. In some instances you can turn a $20 statement credit into a $40 gift card for home improvement, restaurants, entertainment, or travel.
Balance Transfer Offers – On top of the cash back features, the Discover More card offers some of the best balance transfer rates available, the current interest rate is 0% on balance transfers for 12 months.
Customizable Cards – Now days we’re used to being able to customize products and services to our own individual tastes and Discover is well aware of that. You can choose from over 150 different card designs when you apply for the Discover More card.
Click here to sign up for the Discover More card. The benefits and features of the card are listed below for your review, take a look and see why the Discover More card is one of the top cash back credit cards available today.
Discover® More(SM) Card  | |
|---|---|
| Card Features | |
| Best Feature | Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee. |
| Worst Feature | Low rate not available to all applicants. |
| Introductory Rate | 0% Intro APR |
| Applied To | Balance Transfers |
| APR (Cash Advances) | 23.99% |
| APR (Purchases) | As low as 11.99% |
| Grace Period | 25 Days (Min.) |
| Finance Configuration | Average Daily Balance (including new purchases) |
| Annual Fee | $0 |
| Over Limit Fee | $15 on balances up to $500; $39 on balances over $500 |
| Cash Advance Fee | 3%, $5 minimum |
| Balance Transfer Fee | 3% for each balance transfer made under this offer |
| Minimum Credit Limit | n/a |
| Maximum Credit Limit | n/a |
| Important Notes | *The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 11.99% - 18.99%. 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. |
| 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. |
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