Discover® More Card - Black Design
Card Type: Discover
Card Issuer: Discover
Card Category: Reward - Cash
Apply for Platinum BusinessCard with Unlimited Rewards
- 0% intro APR on purchases and balance transfers for a full 12 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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- Rating:
- Intro Rate:
- 0% Intro APR*
- APR (Cash):
- 23.99% Variable
- APR (Purch):
- 12.99% - 20.99% (V)*
- Annual Fee:
- $0
Review
The Discover® More Card - Black Design, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card. This holiday season, get 5% Cashback Bonus in restaurants, department stores and clothing store purchases. Cardholders also earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically. As an added bonus, cardholders can earn DOUBLE Cashback Bonus on up to $1000 in holiday purchases on any online shopping through December 31st. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is 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. Cardholders will also receive discounts on products and services at participating merchants and retailers. Therefore, those who plan to spend over $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 - Black Design has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will only 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); 0% introductory rate; no annual fee.
Least attractive features: Low rate not available to all applicants.
Additional Perks: Cardholders choose their personalized card design. Various Internet account related services. Up to $500,000 in travel accident insurance. Fraud and security protection services. Auto rental insurance. 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: 0% intro APR on purchases and balance transfers for a full 12 months.
Apr(Purchases): 12.99% - 20.99% (V)*
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: n/a
Cash Advance Fee: 5% for each cash advance, with a minimum of $10 and no maximum.
Balance Transfer Fee: 4%
Important Notations: 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: See the Discover® More Card terms and conditions for more information.
Maximum Rebate: 5%
Additional Rebates: This holiday season, get 5% Cashback Bonus in restaurants, department stores and clothing store purchases. Earn up to a 1% Cashback Bonus® on all other purchases automatically. Get DOUBLE Cashback Bonus on up to $1000 in holiday purchases on any online shopping through December 31st.
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