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Discover® More(SM) Card - $75 Cashback Bonus® |
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Balance Transfers, Purchases*
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12 Months or 6 Months*
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11.99% - 20.99%* (V)
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None*
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Yes*
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Very Good Credit*
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Editor's Review:
The Discover® More Card earns cardholders up to 1% in cash back rebates for purchases made using the card. Keep in mind, however, that purchase amounts made on the card will reflect the cash rebate % that you will receive. For example, individuals will get a .25% rebate for purchases up to $1,500 as well as .25% on purchases made at select discount stores and warehouse clubs. Cardholders spending between $1,500 and $3,000 will get a .5% cash back rebate, and those spending over $3,000 will receive up to a 1% rebate.*
A great added bonus is the $75 Cashback Bonus you get when you make $500 in purchases within 3 months of approval for the card.
In addition to the cash rebates outlined above, rebates will be worth 2x their value from participating merchants with the "Cash Back Bonus®" award program (see application for participating retailers.) You"ll also get several other typical platinum benefits with this cash back credit card like auto rental insurance, travel accident insurance, and several security and fraud protection services.
You will not get charged an annual fee for this card and the regular APR is pretty low compared to other cash back credit cards of this type. But as is typical with this type of card, only the best qualified applicants will get the lowest APR possible. The intro APR is 0% on balance transfers, however, and this rate applies for up to the first 12 months of card membership and 0% on purchases for 6 months, yet another attractive feature.
*The highest cash back rebate percentage that is offered won't necessarily apply to every purchase made with this credit card. The 1% cash rebate is applicable only on purchases made after the cardholder charges over $3,000 in one year. So if the cardholder were to spend $3,500, only $500 of this amount would be applied towards the 1% cash back rebate. But this rebate stipulation does not take into account various other promotional offers or the Cash Back Bonus® awards, but only for "everyday" purchases. (see the Discover More application page for more specifics.)
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(Review Date: August 8, 2010)
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