Discover More Review

Discover now has a wide range of cards and one of those is the Discover More card. Discover is known for cash back programs, and the More card has a good one. You can earn unlimited cash back of 5% on specific purchases at any time, as well as a potential bonus of up to 1%. When you use your Discover More card with designated online merchants, you can earn anywhere between 5 and 20% cash back. In addition, your rewards can be redeemed for gift cards from a wide variety of retail outlets. All you need is an accumulation of $20 in rewards to start redeeming.

Discover More Card Intro P APR Intro BT APR APR as low as 0% 0% 10.99% 5% Cashback Bonus in popular categories Up to 1% unlimited Cashback Bonus on everyday purchases automatically 5% to 20% Cashback Bonus through Discover's exclusive online shopping site Increase, even double, rewards by redeeming with over 100 brand-name Partners apply online

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The Annual Percentage Rate (APR) for the More card is 0% until May 2009. At that point the rate becomes variable between 10.99 and 18.99%, depending on your credit history. You can also get a 0% APR on balance transfers until November 2009, so if you are looking to pay down higher rate cards this would be a good option. There is no annual fee on the card, but each balance transfer carries a 3% fee. However, if you look at the interest you’ll save by going to a 0% APR for a while, the fee is well worth it. Discover’s website also shows you different rate scenarios based on credit if you need more information.

Discover offers a unique feature in the credit card business, which is their 60-second customer service guarantee. If you call for assistance, someone will help you within that time period. You can also sign up for online access and bill payment, as well as receive email bill payment reminders to avoid late fees. In regard to security, Discover offers cardholders zero liability on fraudulent transactions and will warn you if any transactions appear that are out of your normal range. This early warning system, along with 24 / 7 live fraud assistance and secure online account numbers makes Discover More a good choice in today’s hectic virtual world.

Discover More cardholders also receive numerous travel benefits. First, you’ll get travel assistance for both national and international travel. This assistance includes medical help and referral, lost baggage tracking, and insurance programs. If you purchase tickets with your card, you’ll get an automatic $500,000 flight insurance policy, and, if you rent your car on your card, you’ll get a $25,000 auto policy. One of the more unusual travel benefits for the Discover More card is the lost document delivery feature. If you lose your passport or other important documents, Discover will pay to have your papers sent to you wherever you are.

As a cardholder, you can choose your own card design from over one hundred templates, and you can access cash through ATM transactions in many locations. There are also around 58,000 bank locations where you can obtain a cash advance.

For a secure card and a great cash back rewards program, choose the Discover More card.

Write to Chris Anderson at chris@creditdonkey.com