Apply Discover® More® Card

With a 0% rate on purchases and balance transfers for the first 15 months, the Discover® More® Card may be an option to consider for those with good to excellent credit. Different types of purchases qualify for the 5% cash-back bonus at different times of the year; consider your buying habits and how this card might accommodate them. Additional types of purchases may qualify for 1% cash back, and other bonus opportunities might be had through the ShopDiscover website. After 15 months the variable annual percentage rate (APR) kicks in. An additional plus: no annual or sign-up fee.

Benefits

Benefits include live phone support, online tools, and e-mail reminders for upcoming payment due dates. It also offers $0 fraud liability, advanced fraud early warning alerts, and access to fraud specialists.

Rewards

Depending on the month, certain purchase categories merit higher bonuses through the card’s cash back program. Among the qualifying purchases: gas, hotel and movie purchases, and restaurant and fashion-related transactions. There are also opportunities to earn 5% to 20% cash back through Discover’s online shopping site, as well as 1% cash back on other types of transactions. Check with the card issuer for details.

Balance Transfers

During a 15-month introductory rate beginning when the first transaction posts to the cardholder’s account, a zero-percent annual percentage rate applies. After this period, the rate will increase to a variable 10.99 percent to 20.99 percent rate. A 3 percent balance transfer fee will apply.

Rates

There’s no annual fee, and after the 0% introductory period a basic APR that depends on your credit standing applies. There are late fees up tp $35.

Who Should Apply

If you’re looking for great cash back bonuses and use your card for travel, gas, groceries and more, the Discover® More® Card is a great choice.

Credit Standing

This card is intended for those with good to excellent credit, which typically amounts to a credit score of at least 700.