Discover® More® Card
Discover® More® Card is a platinum credit card brought to you by Discover Card and CreditCardAssist.com. Search and compare platinum credit cards side by side and apply online for the Discover® More® Card today!
Discover® More® Card
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0% on Balance Transfers, Purchases*
15 Months*
10.99% - 20.99% (Variable)*
None*
Yes*
Excellent Credit*
Editor's Review:
The Discover® More® Card, which is issued by Morgan Stanley, was specifically created for individuals with good credit that also wish to participate in a cash back credit card program.
The Discover® More® Card allows its cardholders to earn back 5% of all money spent at participating merchants. General purchases earn back a 1% rebate, while purchases made at participating discount stores and warehouse clubs earns back .25%. For the first $1,500 the cardholder spends on general purchases, he or she will receive .25% cash back. Expenditures between $1,500 and $3,000 earns a .5% cash back rebate. All money spent over $3,000 results in a 1% rebate. In addition, cardholders can earn a double Cashback Bonus when they redeem their rebates for gift certificates valid at participating Discover Card Partners.
Unlike many cash reward programs, there is no limit on the amount of rebates a cardholder can earn each year. In addition, the rebates never expire as long as the cardholder keeps his or her account active at least once during a three-year period. In addition to the cash back rewards program, the Discover® More® Card offers a variety of other perks. For example, it offers up to $500,000 in travel accident insurance and auto rental insurance. It also includes fraud and security protection services and discounts on services and products at participating retailers and merchants.
In addition, the card offers an attractive 0 APR introductory offer. This APR is valid on all purchases and balance transfers for the first 15 months. Unlike many balance transfer introductory offers, the transfer does not need to be made at the time of application. Instead, the APR is good for any balance transfer made during the entire first year of membership.
There is no annual fee associated with the Discover® More® Card and there is no fee for placing additional cardholders on the account. The APR on purchases is variable and based on the Prime Rate after the introductory period is complete. The APR on cash advances, however, is a fixed 20.99%. Finance charges are determined with the less common "Two Cycles Average Daily Balance" method instead of the "Average Daily Balance" method, which is more costly for those carrying a balance on their credit card.
