Discover® More(SM) Card - MonogramIssued by Discover.This card received a rating of 4.00 out of 5.00 |
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Basic Credit Card Information
| Introductory Rate: | 0% Intro APR* |
| Time Period: | 6 months |
| Rate Applied To: | Purchases, Balance Transfers |
| Additional Details: | There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details. |
| Regular APR: | 10.99% |
| Variable or Fixed: | Variable |
| Annual Fee: | $0 |
| Annual Fee Details: | None |
| Application Fee: | n/app |
| Participation Fee: | n/app |
| Reload Fee: | n/app |
| Inactive Fee: | n/app |
| Total First Year Fees: | n/app |
| Type Of Rewards: | Rebate |
| Be sure to read the card's Terms and Conditions before applying! | |
Credit Card Review
The Discover® More (SM) 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, a 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve 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(SM) 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.This review was updated 2008-08-19T00:00:00.0000000-07:00
Reward Program Information
| Type Of Rewards: | Rebate |
| Reward Program Optional: | No |
| Optional programs may have a fee. See Terms and Conditions for details. |
| For Cards with Cash Back Incentives | |
| Lowest Possible Rebate: | .25% |
| Highest Possible Rebate: | 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. |
| Rebate Details: | See the Discover® More Card terms and conditions for more information. |
| For Cards with Point Incentives | |
| Points Per Dollar Spent: | n/app |
| Additional Points: | n/app |
| Point Details: | n/app |
| For Cards with Airline Incentives | |
| Miles Per Dollar Spent: | n/app |
| Additional Miles: | n/app |
| Program Details: | n/app |
Rewards Expiration Period: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.)
Annual Limit: None
Additional Credit Card Perks
Special Notations about the Discover® More(SM) Card - Monogram
*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.Always read the credit card's Terms and Conditions before applying!
