Discover® More Card, Editor Reviewed at CompareCards.com

Discover® More® Card

Editor's Rating: 9.0
Consumer Rating: (20 ratings) 8.9

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Intro APR:	0%*
Regular APR:	as low as 11.99% Variable*
Annual Fee:	None

Intro Period:	12 Months*
Balance Transfer:	Yes*
Credit Needed:	Excellent

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0% APR on Balance Transfers for a FULL 12 months
0% APR on Purchases for a FULL 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds

EDITORS' RATINGS OVERALL SCORE

9.0

Overall

The Bottom-Line

For anyone with good credit and a high-interest balance to transfer, this is a good rewards card option.

The Good

Twelve months of introductory 0% APR on balance transfers, No expiration on Cashback Bonus and can redeem for cash, credit on account or increase or double points when redeemed for gift cards.

The Not So Good

APR is based on credit history review and can be high if credit is less than good.

CARD DESCRIPTION

The Discover More(SM) Card is a great card for people with good credit - especially in this challenging economic environment. Now termed the Discover More card, this credit card is considered the same as the Discover platinum credit card. While most applicants with good credit are accepted, you should have a FICO score of around 700 or higher to be approved for this card.

In addition to offering a nice rewards program, this card is also one of the better money savers if you have a high interest balance on another credit card. We find that most people can't beat or miss taking advantage of the 0% APR during the first 12 months of card activation.

A cash rewards card and balance transfer card all in one, the Discover® More card is a good option to earn generous rewards that can be redeemed in a variety of ways. When you sign up for the Discover More(SM) Card you will be able to earn up to a 1% cash back bonus on all of your regular purchases. You can redeem the cash you earn for gift cards or certificates from over 70 brand name partners. There is no expiration on cash back earned with the card, you can apply reward cash balances to your account or increase and double your points when they are redeemed for gift cards.

The regular APR is based on your credit history review and if you don't have really good credit, it can be higher.

Read Customer Reviews (Last Reviewed: Jan 21, 2010)

DETAILED EDITORS' RATINGS

8.5

Introductory APR

0% APR on balance transfers for 12 months; 0% APR on purchases for 6 months

8.0

Benefits

5% cash back bonus in select categories like travel, home improvement, gas stations and more; earn 1% for every $1 spent and get up to 20% Cashback Bonus at select online retailers.

8.5

Fees

No annual fee; 5% on balance transfers; 3% on cash advances

9.5

Regular APR

Variable APR as low as 10.99% based on credit history.