Discover® More(SM) Card - Monogram
Individuals with a strong credit rating who prefer a credit card with a rewards program should consider the Discover More Card – Monogram. The monogram option allows cardholders to display their initials within the card design, which is a nice personalization option for your credit card.
The Discover More offers a quality rewards program, with cardholders earning 5% cashback bonus in specific categories, including travel, gas, movies, home, and restaurants (among others) and up to 1% cashback on other purchases made with the credit card. In order to qualify for the highest levels of cashback, you have to spend a minimum of $3,000 annually on your Discover More card. A unique feature of the Discover More reward program is the ability to earn up to double the amount of Cashback bonuses when redeeming your rewards for gift certificates at participating Discover Card Partners. As long as you use your Discover More Card – Monogram within a 36 month period, it will retain active status, which means your reward earnings will not expire. There is also no limit to how much you can earn in the rewards program.
As with all rewards programs, in order to get the most benefit and value for the rewards, you will want to pay your balance in full each month to avoid paying interest and finance fees on the purchases. The extra fees you pay when you carry a balance can devalue the rewards program benefits.
There is no annual fee for using the reward program on your Discover More Card. You also receive a 0% introductory interest rate for both purchases and balance transfers for six months, which helps you save money on the things you buy and the things you've already bought when you transfer higher interest balances to your Discover More Card. After the initial six months, your interest rate will be based on your personal credit rating.
While not a platinum card, the Discover More card does provide several platinum level benefits, including automobile rental insurance coverage, up to $500,000 in travel accident insurance,and a variety of fraud and security protection coverages. Discover cardholders receive discounts for various products and services from participating retailers and merchants. Review Date: 3/31/2008
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