Discover More Card Credit Card

Discover® More® Card

Double rewards with more than 100 Cashback Bonus partners
Unlimited cash rewards, automatically
*See the online Discover credit card application for details about terms and conditions.

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Overview
Rates & Fees
Rewards
Features & Benefits
Bill of Rights
Reviews(1)

Card at-a-glance

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Rates & Fees Summary:

Intro purchase rate: 0%
Purchase rate: as low as 11.99% Variable
Intro balance transfer rate: 0%
Balance transfer rate: as low as 11.99% Variable
Annual Fee*: N/A
Balance transfer fee*: 5%

Rewards Summary:

Sign-up Bonus: N/A
Base earning rate: 0.25%
Max earning rate: 5%
Bonus Categories: Warehouse Clubs, Cruises, Groceries, Restaurants, Gas Stations, Entertainment, Hotels, Airfare, Home improvement, Car Rentals
Total Earning Limit: None

*See the online 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. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.

Card rates and fees

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Estimated Rates	Introductory APR	Regular APR
Purchase rate*	0%	as low as 11.99% Variable
Balance transfer rate*	0%	as low as 11.99% Variable
Cash advance rate*	N/A	24.99% (variable)
Default rate*	N/A	23.99% (variable)
Estimated Rates	Introductory APR	Regular APR
Purchase rate*	0%	as low as 11.99% Variable
Balance transfer rate*	0%	as low as 11.99% Variable
Cash advance rate*	N/A	24.99% (variable)
Default rate*	N/A	23.99% (variable)
Estimated Rates	Introductory APR	Regular APR
Purchase rate*	0%	as low as 11.99% Variable
Balance transfer rate*	0%	as low as 11.99% Variable
Cash advance rate*	N/A	24.99% (variable)
Default rate*	N/A	23.99% (variable)
Estimated Rates	Introductory APR	Regular APR
Purchase rate*	0%	as low as 11.99% Variable
Balance transfer rate*	0%	as low as 11.99% Variable
Cash advance rate*	N/A	23.99% (variable)
Default rate*	N/A	20.39% (variable)
Estimated Rates	Introductory APR	Regular APR
Purchase rate*	0%	as low as 11.99% Variable
Balance transfer rate*	0%	as low as 11.99% Variable
Cash advance rate*	N/A	23.99% (variable)
Default rate*	N/A	18.39% (variable)
Fees
Annual Fee*	$0.00
Balance transfer fee*	5%
Cash advance fee*	3% (minimum of $10.00)
Late payment fee*	$29.00 for account balance between $0.00-$1,000.00 $39.00 for account balance greater than $1,000.01
Over credit limit fee*	$29.00
Foreign currency fee*	2%
Min finance charge*	$2.00
Fees
Balance transfer fee*	5%
Cash advance fee*	3% (minimum of $10.00)
Late payment fee*	$29.00 for account balance between $0.00-$1,000.00 $39.00 for account balance greater than $1,000.01
Over credit limit fee*	$29.00
Foreign currency fee*	2%
Min finance charge*	$2.00
Fees
Balance transfer fee*	5%
Cash advance fee*	3% (minimum of $5.00)
Late payment fee*	$19.00 for account balance between $0.00-$250.00 $39.00 for account balance greater than $250.01
Over credit limit fee*	$15.00 for account balance between $0.00-$500.00 $39.00 for account balance greater than $500.01
Foreign currency fee*	2%
Min finance charge*	$0.50
Fees
Balance transfer fee*	5%
Cash advance fee*	3% (minimum of $5.00)
Late payment fee*	$19.00 for account balance between $0.00-$250.00 $39.00 for account balance greater than $250.01
Over credit limit fee*	$15.00 for account balance between $0.00-$500.00 $39.00 for account balance greater than $500.01
Foreign currency fee*	2%
Min finance charge*	$0.50
Fees
Balance transfer fee*	5%
Cash advance fee*	3% (minimum of $5.00)
Late payment fee*	$19.00 for account balance between $0.00-$250.00 $39.00 for account balance greater than $250.01
Over credit limit fee*	$15.00 for account balance between $0.00-$500.00 $39.00 for account balance greater than $500.01
Foreign currency fee*	2%
Min finance charge*	$0.50

Rewards
Rewards Program Features
Rewards Program	Cashback Bonus
Reward Units	Cash
Rewards Expiration	None
Total Earning Limit	None
Reward Earnings By Spend Category
Airfare	5% per each $1 spent up to $800 from 1/1/09 to 3/31/09, 5% per each $1 spent up to $800 from 1/1/10 to 3/31/10, 5% per each $1 spent up to $800 from 1/1/11 to 3/31/11, 5% per each $1 spent up to $800 from 1/1/12 to 3/31/12, 5% per each $1 spent up to $800 from 1/1/13 to 3/31/13, 5% per each $1 spent up to $800 from 1/1/14 to 3/31/14
Car Rentals	5% per each $1 spent up to $800 from 1/1/09 to 3/31/09, 5% per each $1 spent up to $800 from 1/1/10 to 3/31/10, 5% per each $1 spent up to $800 from 1/1/11 to 3/31/11, 5% per each $1 spent up to $800 from 1/1/12 to 3/31/12, 5% per each $1 spent up to $800 from 1/1/13 to 3/31/13, 5% per each $1 spent up to $800 from 1/1/14 to 3/31/14
Cruises	5% per each $1 spent up to $800 from 1/1/09 to 3/31/09, 5% per each $1 spent up to $800 from 1/1/10 to 3/31/10, 5% per each $1 spent up to $800 from 1/1/11 to 3/31/11, 5% per each $1 spent up to $800 from 1/1/12 to 3/31/12, 5% per each $1 spent up to $800 from 1/1/13 to 3/31/13, 5% per each $1 spent up to $800 from 1/1/14 to 3/31/14
Entertainment	5% per each $1 spent up to $300 from 7/1/09 to 9/30/09, 5% per each $1 spent up to $400 from 10/1/09 to 12/31/09, 5% per each $1 spent up to $300 from 7/1/10 to 9/30/10, 5% per each $1 spent up to $400 from 10/1/10 to 12/31/10, 5% per each $1 spent up to $300 from 7/1/11 to 9/30/11, 5% per each $1 spent up to $400 from 10/1/11 to 12/31/11, 5% per each $1 spent up to $300 from 7/1/12 to 9/30/12, 5% per each $1 spent up to $400 from 10/1/12 to 12/31/12, 5% per each $1 spent up to $300 from 7/1/13 to 9/30/13, 5% per each $1 spent up to $400 from 10/1/13 to 12/31/13, 5% per each $1 spent up to $300 from 7/1/14 to 9/30/14, 5% per each $1 spent up to $400 from 10/1/14 to 12/31/14
Gas Stations	5% per each $1 spent up to $300 from 7/1/09 to 9/30/09, 5% per each $1 spent up to $300 from 7/1/10 to 9/30/10, 5% per each $1 spent up to $300 from 7/1/11 to 9/30/11, 5% per each $1 spent up to $300 from 7/1/12 to 9/30/12, 5% per each $1 spent up to $300 from 7/1/13 to 9/30/13, 5% per each $1 spent up to $300 from 7/1/14 to 9/30/14
Groceries	5% per each $1 spent up to $400 from 10/1/09 to 12/31/09, 5% per each $1 spent up to $400 from 10/1/10 to 12/31/10, 5% per each $1 spent up to $400 from 10/1/11 to 12/31/11, 5% per each $1 spent up to $400 from 10/1/12 to 12/31/12, 5% per each $1 spent up to $400 from 10/1/13 to 12/31/13, 5% per each $1 spent up to $400 from 10/1/14 to 12/31/14
Home improvement	5% per each $1 spent up to $400 from 4/1/09 to 6/30/09, 5% per each $1 spent up to $400 from 4/1/10 to 6/30/10, 5% per each $1 spent up to $400 from 4/1/11 to 6/30/11, 5% per each $1 spent up to $400 from 4/1/12 to 6/30/12, 5% per each $1 spent up to $400 from 4/1/13 to 6/30/13, 5% per each $1 spent up to $400 from 4/1/14 to 6/30/14
Hotels	5% per each $1 spent up to $800 from 1/1/09 to 3/31/09, 5% per each $1 spent up to $300 from 7/1/09 to 9/30/09, 5% per each $1 spent up to $800 from 1/1/10 to 3/31/10, 5% per each $1 spent up to $300 from 7/1/10 to 9/30/10, 5% per each $1 spent up to $800 from 1/1/11 to 3/31/11, 5% per each $1 spent up to $300 from 7/1/11 to 9/30/11, 5% per each $1 spent up to $800 from 1/1/12 to 3/31/12, 5% per each $1 spent up to $300 from 7/1/12 to 9/30/12, 5% per each $1 spent up to $800 from 1/1/13 to 3/31/13, 5% per each $1 spent up to $300 from 7/1/13 to 9/30/13, 5% per each $1 spent up to $800 from 1/1/14 to 3/31/14, 5% per each $1 spent up to $300 from 7/1/14 to 9/30/14
Restaurants	5% per each $1 spent up to $400 from 10/1/09 to 12/31/09, 5% per each $1 spent up to $400 from 10/1/10 to 12/31/10, 5% per each $1 spent up to $400 from 10/1/11 to 12/31/11, 5% per each $1 spent up to $400 from 10/1/12 to 12/31/12, 5% per each $1 spent up to $400 from 10/1/13 to 12/31/13, 5% per each $1 spent up to $400 from 10/1/14 to 12/31/14
Warehouse Clubs	0% per each $1 spent, 0.25% per each $1 spent
All Other Purchases	0.25% per each $1 spent up to $3,000, 1% per each $1 spent above $3,000.01

Features and Benefits
Card Features
Category	Consumer
Network	Discover
Min Credit Level	Good (700 - 749)
Instant Approval	No
No Annual Fee	Yes
Rewards Program	Yes
Grace Period	25 days
Method For Computing Balance	25 daysAverage Daily Balance for No Credit<br/>Average Daily Balance for Bad (619 or less)<br/>Two-Cycle Balance for Fair (620 - 699) and above<br/>
Universal Default	No
Revolving Credit	Yes
Secured Card	No
Card Benefits
Zero liability for lost card
No annual fee

Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
	Protection from arbitrary rate increases
	The right to have rates reviewed and reduced
	Fair allocation of payments
	No universal default
	No double-cycle billing
	No fees for paying your bill
	Protection from due date gimmicks
	Enough time to pay your bill
	Education on dangers of minimum payments
	Protection of young cardholders

Reviews Write a review

DeadChickenUpMyAss

July 23 2009

4 stars

I used my Discover since early 2001. Always loved the fact that I can pay the bill at any Sears store. They used to have 2% cash back, but now its down to 1% on most things plus 5% cashback on special things that varries about 2-3 months. Only real downside is they raised their APR about 4points. So I'm going to be using it a lot less now.