Discover® More® Card- American Flag
Card Type: Discover
Card Issuer: Discover
Card Category: Reward - Cash
Apply for Platinum BusinessCard with Unlimited Rewards
- 0% APR on Balance Transfers and 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
- No Annual Fee
- Data
- Data
- Rating:
- Intro Rate:
- 0% Intro APR*
- APR (Cash):
- 23.99% Variable
- APR (Purch):
- as low as 11.99%* Variable
- Annual Fee:
- $0
Review
The Discover® More® Card - American Flag, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card. Through the reward program, cardholders earn a 5% Cashback Bonus® in categories such as travel, home, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account remains active within a 36-month period. 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. The Discover® More® Card - American Flag card has no annual fee and features an attractive 0% introductory APR on purchases and balance transfers for 6 months. The APR for this card is reasonable, although it is important to note that only higher qualifying applicants will receive the lowest rate available. Therefore, those who plan to spend at least $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 - American Flag 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 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.
Most attractive features: Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); no annual fee; 0% introductory rate.
Least attractive features: Low rate not available to all applicants.
Additional Perks: Various Internet account related services. Up to $500,000 in travel accident insurance. Auto rental insurance. No liability for unauthorized transactions. Fraud and security protection services. Discounts on products and services at participating merchants and retailers. See website for additional benefits.
Rates & Fees
Introductory rate: 0% Intro APR*
Applied towards: Purchases, Balance Transfers
Introductory Rate Details: There is a 0% introductory APR on purchases and balance transfers for 6 months. See terms and conditions for complete details.
Apr(Purchases): as low as 11.99%* Variable
Apr(Cash Advances): 23.99% Variable
Finance Configuration: Average Daily Balance (including new purchases)
Annual Fee: $0
Additional Cardholders: None
Grace Period: 25 Days (Min.)
Minimum Credit Limit: n/a
Maximum Credit Limit: n/a
Late Payment Fee: $15 on balances up to $500; $39 on balances over $500
Cash Advance Fee: 3%, $5 minimum
Balance Transfer Fee: 3% for each balance transfer made under this offer
Important Notations: *The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 11.99% - 18.99%. 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.
Rewards
First Purchase Bonus: None
Balance Transfer Bonus: None
Annual Bonus: None
Other Bonus: None
Bonus Details None
Reward Type: Rebate
Optional Rewards: No
Minimum Rebate: .25%
Rebate Details: Earn a 0.25% rebate for up to $1,500 in general spending; 0.5% for over $1,500 up to $3,000; and 1% for over $3,000. Reward is redeemable in $20 increments only.
Maximum Rebate: 5%
Additional Rebates: Cardholders earn a 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies, and more. Earn a 0.25% rebate at select warehouse clubs and discount stores. Earn up to double Cashback Bonus® at participating Discover Card Partners.
Miles per Dollar spent: n/app
Mile Reward Details: n/app
Additional Miles: n/app
Points per Dollar spent: n/app
Point Details: n/app