- 0% APR on Balance Transfers for a FULL 6 Months
- 0% APR on Purchases for a FULL 6 Months
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Instant Response Within 60 Seconds
- No Annual Fee
Introductory APR Info
Regular APR
Annual Fee
0% Intro APR*
as low as 11.99%* Variable
$0
Card Review
The Discover® More® Card Monogram is perfect for a person with very good credit looking for a card that can earn cash rewards.
The card also features personalized designs which displays the cardholder's intial(s) on the card's face.
The reward program allows cardholders to earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more.
In addition, cardholders can automatically earn up to a 1% Cashback Bonus® on all other purchases.
As an added bonus, cardholders can earn up to a double Cashback Bonus® when their rebates are redeemed for gift certificates from participating Discover® Card Partners.
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.
A unique feature with this card is that cardholders can choose from several card designs that will display their initial(s) on the front of the card.
The card has no annual fee and features a 0% introductory APR on purchases and balance transfers for 6 months.
The APR for this card is reasonable for those who qualify.
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 on spending over $3,000 a year (to earn the 1% cash rebate), plan on using their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan on paying in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More® Card - Monogram 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 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.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
Discover
Card Type
Discover
Card Status
Platinum
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.
Grace Period
25 Days (Min.)
Minimum Limit
n/a
Maximum Limit
n/a
Minimum Deposit
n/app
Over 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
Application Fee
n/app
Rebate Minimum
.25%
Rebate Maximum
5%
Additional Rebates
Cardholders earn a 5% Cashback Bonus in categories like travel, home, gas, restaurants, movies, and more. Earn up to a 1% Cashback Bonus® on all other purchases automatically.
Mile Details
n/app
Miles Per Dollar Spent
n/app
Additional Miles
n/app
Miles Work with FF Program
n/app
Points Per Dollar Spent
n/app
Point Details
n/app
Additional Points
n/app
Approval Bonus
None
First Purchase Bonus
None
Balance Transfer Bonus
None
Other Bonus
None
Bonus Details
None
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.