Discover® More® Card

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--16 years in a row! (2012 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
  • *Click apply to view rates, fees, rewards, limitations and other important information
Card information
Intro APR: Regular APR: Annual Fee: Intro Period: Issuer: Brand: Balance Transfer: Credit Needed: Card Category:
0% for 15 Months* 10.99-20.99% (Variable)* None 0% for 15 Months* on Transfers and 15 Months* on Purchases Bank of America Discover 0% for 15 Months* Excellent Low Interest, Balance Transfer, Reward, Cash Back
Discover More Card Video Overview
 
Rates & Term Details

From CompareCards.com Editor Team:

With the Discover More credit card you can earn a solid 1% cash back on all of your purchases, plus 5% of your purchases that are made in specially designated bonus cash back categories. The strong earnings categories change on a regular basis through the cash back program calendar associated with the Discover More credit card program – but they typically include such popular ones as products and services related to travel, dining, groceries, and gas.

For additional earnings you can gain 5% to 20% cash back bonuses by shopping within the program’s exclusive online shopping mall of premium merchants, products, and services. You can then cash out your accumulated rewards points via cash, by making a charitable contribution of your liking, or by converting them into purchase power for merchandise or gift cards.

The Discover More credit card additionally offers new card members a 0% introductory APR for 15 months from the date of account opening, followed by an APR that can be as low as 11.99% if your credit rating is high enough to be eligible.
There is also no annual fee, rounding out the host of benefits and cash back opportunities available from this unique rewards card.

Expert Reviews of the Discover® More® Card

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Overall Rating

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Introductory APR
0% intro APR on balance transfers for 15 months; and 0% intro APR on purchases for 15 months*

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Benefits
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Up to 1%

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Fees
No annual fee; 4%* on balance transfers, CA Fee is $10 or 5%* whichever is greater

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Regular APR
11.99%-20.99%*(Variable) based on credit history.

The Bottom-Line
The Discover More credit card gives its cardholders more in terms of cash back opportunities that are coupled with an attractive 0% introductory APR and no annual fee. For those who are shopping for a good cash back program, the Discover More is definitely worth looking into as a solid choice.

The Good
There is no annual fee, a 0% introductory offer for up to a full year, and you can earn as much as 5 to 20% on special kinds of purchases – plus a dependable 1% cash back on everything else.

The Not So Good
Many of the best bonus programs are based on special time-limited promotions or are gained by shopping in designated stores that have special arrangements with Discover. So if you don’t take advantage of those you won’t enjoy some of the most rewarding features of the card.

RATING:  
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better than ever
Date Posted: 12/10/2011        By: matt (dallas)
Detailed Ratings:
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
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REVIEW:
starting January 2012 Discover has raised their 5% purchase limits to$1500 per three month period from thier former $300 limit.
I definitely would recommend this card to a friend.
2 out of 2 people found this review helpful.
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Excellent cash back card
Date Posted: 04/29/2011        By: Dihhuit (Tucson, AZ)
Detailed Ratings:
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
REVIEW:
I only gave it 3/5 for "Standard APR", but this is entirely based on your creditworthiness, so you may get a different APR (Mine is 17.99%). One thing to note, however, is that your first $3000 in purchases in a given year only earn you 0.48% cash back, everything after that is 1%. This is hidden in the fine print of the cardmember agreement. Aside from that, I love that you can get 5% cash back on certain purchase categories that change every 3 months (but you have to opt in each time).
I definitely would recommend this card to a friend.
7 out of 7 people found this review helpful.
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No tricks.
Date Posted: 08/06/2008        By: Pauline Nazarjan (Newport, RI)
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Introductory APR (Purchases and Transfers)      
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REVIEW:
Cash rewards is a trick which most banks use for their marketing... when it comes to claim your rewards they use different tricks to policies which confuse clients and customers. Read careful their policies and you will find many limits, restrictions, and rules such as minimum spending, reward limits, time lines, and intro periods. Unlimited cash rewards is a thing which other banks can't really offer. Discover doesn't confuse people and keep unlimited cash reward program for everybody. I always pay full amount without paying interest, it gives me cash reward and extra money every month.
I definitely would recommend this card to a friend.
15 out of 16 people found this review helpful.
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RATING:  
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...
Date Posted: 06/27/2008        By: Scott Stanford (Des Moines, IA)
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Introductory APR (Purchases and Transfers)      
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Fees (Balance transfers, annual fee, cash advances)      
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REVIEW:
I don't recommend to apply for Discover and AMEX.
I definitely would recommend this card to a friend.
12 out of 32 people found this review helpful.
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Solid Cash Card
Date Posted: 05/13/2008        By: Bo the Jogger (Columbia, SC)
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Introductory APR (Purchases and Transfers)      
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I definitely would recommend this card to a friend.
4 out of 11 people found this review helpful.
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RATING:  
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The Cashback Card
Date Posted: 05/02/2008        By: Rich (Cleveland, OH)
Detailed Ratings:
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
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Customer Service      
REVIEW:
An awesome card if you want cash back. The only downside I have seen is that Discover isn't accepted in as many places as Visa and Mastercard.
I definitely would recommend this card to a friend.
28 out of 70 people found this review helpful.
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