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Discover® More(SM) Card - Wildlife Collection |
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- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus at top online retailers
- Up to 1% Cashback Bonus on all other purchases automatically
- Unlimited Cash Rewards, automatically
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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 Purchases, Balance Transfers*
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6 Months*
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As Low As 11.99%*
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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 Wildlife Card is a great choice for someone interested in a cash back credit card. This card, which is issued by Morgan Stanley, was designed specifically for those individuals with very good credit that are interested in participating in the Cashback Bonus rewards program.
The Discover More Wildlife Card utilizes a system that is unique to cash back credit cards. With the card, cardholders earn a full 5% cash rebate for all purchases made at specific partner merchants. They also earn .25% cash back on purchases made at select discount stores and warehouse clubs. For general purchases, cardholders earn up to 1% cash back based on a prorated system. The first $1,500 spent on general purchases earns .25% cash back, while expenditures between %1,500 and $3,000 earns .5% cash back. Once the cardholder spends $3,000, all other general purchases earn back a 1% cash rebate. Cardholders can also earn up to double Cashback Bonus by redeeming their rebates for gift certificates with certain Discover Card Partners.
Unlike many cash back credit cards, there is no limit on the amount of rebates a cardholder can earn with the Discover More Wildlife Card. In addition, the rebates never expire as long as the cardholder uses the card at least one time in a three-year period.
In addition to being a cash back credit card, the Discover More Wildlife Card offers a variety of other benefits. These benefits include auto rental insurance and up to $500,000 in travel accident insurance. It also provides emergency card replacement, fraud and security protection services, and discounts at a variety of merchants and retailers.
The card also saves cardholder's money by providing a 0.00% APR on BOTH purchases and balance transfers during the first 6 months of membership. This introductory rate is valid on all balance transfers and purchases made throughout the entire first six months of membership, not just those transfers made at the time of application for the card.
Unlike many cash back credit cards, there is no annual fee associated with the Discover More Wildlife Card. There is also no fee for adding additional cardholders to the account. After the introductory period is complete, the APR for purchases is variable and based on the Prime Rate. The APR for cash advances, however, is a fixed 20.99%. The finance charges for the card are determined using the "Two Cycles Average Daily Balance" method rather than the more common "Average Daily Balance" method, which can be more expensive for cardholders wishing to carry a balance on their card.
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(Review Date: August 8, 2010)
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