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Apply online for Discover<sup>®</sup> More<sup>®</sup> Card

  • Discover® More® Card

  • This card is best for consumers that want to earn cash back with no annual fee and do not carry a balance.
  • Apply on line for Discover<sup>®</sup> More<sup>®</sup> Card
 
  • Intro APR
  • 0%
  • Regular APR
  • 10.99% - 20.99%*
  • Intro APR Period
  • 15 months
  • Credit Score
  • Credit Score
    Excellent
  • Card Category
  • Balance Transfer, Cash Back, Credit Card Deals, Low Interest, Low Intro Rate, Low Ongoing Rate
 
Credit Type
  Required Score
Excellent Credit
  750 — 850
Good Credit
  690 — 749
Fair Credit
  640 — 689
Poor Credit
  Poor
It is ok to estimate your credit. If you do not know your credit score you can get your free credit score instantly here
Curtis Arnold

Credit Card Review

 by Card Expert Curtis Arnold
Here is a card with a 5% cash back rewards program for such things as gas, restaurants, department stores and more. Categories change throughout the year and have limits. Once the limit is reached you earn 1%. You can also earn up to 20% through online shopping at Discover.com. And if you redeem for gift cards at over 100 brand name partners you earn even more bang for your buck. This card also offers a 0% introductory APR on purchases and balance transfers. There is no annual fee. APR ranges from average to high depending on your credit score. Downside: Member has to opt in for each 5% program. There is a balance transfer fee.
 

Discover® More® Card Details

Card Issued By:
Discover
General Correspondence Address:
PO Box 30943 Salt Lake City UT 84130
Card Type:
Discover
Card Class:
Platinum
Card Category:
Balance Transfer, Cash Back, Credit Card Deals, Low Interest, Low Intro Rate, Low Ongoing Rate
States Available In:
ALL
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:

Credit Card Rate Information

 
Purchase
Balance Transfer
Cash Advance
Index:
Prime
Prime
Prime
Margin:
7.74 - 17.74
7.74 - 17.74
20.74
Standard APR:
10.99% - 20.99%*
10.99% - 20.99% Variable. from date of first transfer
23.99% Variable
Standard APR Floor:
None
None
None
Introductory Rate:
0%
0%
N/A
Introductory Period:
15 months
15 months
None
 
Finance Calculation Method:
Daily Balance
Purchase Grace Period:
25 days
Default/Penalty APR:
15.99% - 25.99% Variable.
Default/Penalty Margin:
12.74 - 22.74
Default/Penalty APR Floor:
None
Maximum Default APR:
25.99%
Penalty/Default Trigger:
Each time you fail to make a payment when due, Discover may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR. Your Default Rate is determined based on your creditworthiness and other factors such as your current APRs, and your account history.

Credit Card Fee Information

Annual Fee:
$0
Foreign Transaction Fee:
Late Fee:
Up to $35 max.
Over-the-limit Fee:
Balance Transfer Fee:
3% fee
Cash Advance Fee:
5% ($10 min. ). Either $10 or 5% of the amount of each cash advance, whichever is greater
Rebates/Notes
Rebate Description:
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners.
Special Notes:
Earn up to 5% cash back* in categories that change and enjoy a 0% introductory rate for 15 months on Balance Transfers and 15 months on Purchases.
Apply online for Discover<sup>®</sup> More<sup>®</sup> Card
 
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