Specifics

• Introductory Rate: 0% Intro APR
• Applied Towards: Balance Transfers
• APR (Purchases)**: as low as 11.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 23.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 25 Days
• Minimum Credit Limit: n/app
• Maximum Credit Limit: n/app
• Late Payment Fee: $19 on balances up to $250; $39 on balances over $250
• Over-The-Limit 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

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.) (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for those with very good credit who want a cash reward card. Earn 5% Cashback Bonus® in rotating categories like home, gas, restaurants, travel, movies, etc. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Earn double Cashback Bonus® for using your rebate for gift certificates from Discover Card Partners. Earn unlimited rebates each year. Benefits include up to $500,000 in travel accident insurance, and auto rental insurance. The Biodegradable Discover® More Card is the only credit card that will biodegrade in landfill or compost-like conditions. Cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. Earn unlimited rebates that do not expire as long as the account is active within a 36-month period. Benefits include 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. This card will benefit those who will spend over $3,000 a year (to earn the 1% cash rebate), will use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and will pay in full each month after the introductory rate expires. *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. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Last Modified Date: 10/8/2009 12:00:00 AM

Additional Perks

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.
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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.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.