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Discover® More Card Review: Credit Cards |
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Apply for Discover® More Card
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Rating: |
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Bottom Line: |
15-month 0% intro APR on purchases & balance transfers, up to 5% cash back. |
Full Review:
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The Discover® More card is a good fit for consumers who have excellent credit and would like to transfer a high interest balance to a 0% APR account for 15 months and still have the opportunity to earn significant cash rewards. Users will also enjoy a 0% purchase APR for the first 15 months of card ownership.
Highlights
- 0% intro APR on purchases and balance transfers for 15 months, then the standard purchase APR of 10.99-20.99% (Variable).
- 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 alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee.
Rewards
- Unlimited cash back rewards, no expiration date.
- Earn 5% cash back in purchases within select categories. Categories rotate every 3 months, and there is a variable limit on these rewards.
- Cardholders earn .25% cash back on all other non-category purchases until they have spent $3,000 annually.
- After reaching the $3,000 annual threshold, cardholders earn 1% back on all purchases.
Redeem Rewards
- Rewards are redeemable in $20 increments.
- Deposit into your bank account or credit your Discover card account.
- Turn your cash rewards into more when you redeem for gift cards or eCertificates from over 100 brand-name Partners.
Fees and APR
- 0% Intro APR: 0% APR for the first 15 months, then Purchase APR.
- Purchase APR: 10.99-20.99% (Variable), depending on creditworthiness.
- Balance Transfers: 15 month, 0% intro APR for for transfers under this offer that post to your account by August 10, 2012, then Purchase APR. Balance transfer fee is either a $10 or 5%, whichever is greater.
Apply for Discover® More Card
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| Purchase APR: | 0% for first 15 months,
then 10.99-20.99% (Variable) |
| Features: | 5% cash back on purchases within select categories; 1% on all others after $3k annually |
| Annual Fee : | None |
| Credit Needed: | Good |
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