Home > Financial Services > Credit Cards > Discover > more > Discover® More Card

	Discover® More Card Issued by Discover
	Overall Rating Apply Now

Review

The Discover® More Card, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card.

Get 5% Cashback Bonus on purchases like gas, restaurants, department stores and more in seasonal purchasing categories that change with each yearly quarter! Cardholders earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically. You can also earn between 5% and 20% Cashback bonuses when you shop at over 200 online retailers via ShopDisover.com, Discover's exclusive online shopping mall.

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 an 18-month period.

The card has no annual fee and features an attractive 0% introductory APR on purchases and balance transfers for 15 full months.

Aside from the rewards program, the card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also receive discounts on products and services at participating merchants and retailers.

Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® 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 Discover® More Card has to offer.

*It is important to note that like many cash rewards cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will only 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 Bonus® award.

Note: The review of this product was updated on 2/6/2012. The information within the review was believed to be accurate during that update. Information posted may have changed since that time. We strongly suggest that you use a secondary source such as the product’s website or Terms and Conditions page prior to making any decisions about this product. Product review information is provided by FlexOffers.com, Inc.

Highlights

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 mobile and email fraud alert options
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

Other Information

Category	Reward - Cash
Issuer	Discover
Card Status	Platinum
Card Type	Discover
Credit Rating	Excellent
Important Notations	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.

Rates & Fees

Introductory Rate Offer	0% APR*
Intro Applied To	Purchases, Balance Transfers
Intro Details	*0% intro APR on purchases and balance transfers for 15 months. See terms and conditions for complete details.
APR for Purchases	10.99% - 20.99% (V)*
APR for Cash Advances	23.99%
Method of Computing Balance	Average Daily Balance (including new purchases)
Annual Fee	$0
Annual Fee for Additional Cardholders	$0
Grace Period	25 Days (Min.)
Late Payment Fee	Up to $35
Over The Limit Fee	n/a
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Balance Transfer Fee	3% of the amount of each transfer.

Reward

Type of Reward	Rebate
Reward Expiration	None (Account inactivity for more than 18 months could result in the forfeiture of some or all of the Cashback Bonus®.)
Reward Yearly Limit	None
Rebate Minimum	.25%
Rebate Maximum	20%
Additional Rebates	Earn 5% Cashback Bonus on category purchases up to the total purchase dollar amount specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Warehouse purchases and category purchases are not included in determining your total annual purchases eligible to earn 1% Cashback Bonus. Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
Rebate Details	See the Discover® More Card terms and conditions for more information.
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.