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Discover More(SM) Card

0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

More ways to enjoy more cash than anyone else.SM*
Enjoy a 0% Introductory APR* and get 5% Cashback Bonus® in popular categories like travel, home, gas, restaurants, movies and more and up to 1% Cashback Bonus on all other purchases.
For your peace of mind you'll have a $0 fraud liability guarantee. This card also offers the easy online Account options that put you in control and you'll pay no annual fee.
You also can Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners. *View Discover® Card Rates, Fees, Rewards and Other Important Information.
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DID YOU KNOW?

There really are an amazing variety of credit cards available to today’s consumers; the number of options is simply staggering. Virtually every company around these days has some form of affiliated credit card option available to its customers. While most of these cards are affiliated to one of the major credit card brands, such as Visa, Mastercard, or American Express, they still represent a major source of options from which to choose from. That is why it is important the go back to basics, and remember what are the fundamental reasons you opt for a credit card in the first place.

Below are some of the reasons we look for credit cards and some of the features we should be able to find in them, if they really are as good an offer as they claim to be.

-Is the credit card offered by a company you know and trust?

-What is the annual percentage rate (APR) for the card?

-Is this a temporary, introductory or permanent rate?

-What is the credit limit they have offered you?

-How often are you billed?

-How are repayments calculated and is the outstanding balance free of interest if you pay off the full amount each month?

-Are there other charges or fees associated with the card?

These are all important questions you should be asking yourself before sending that application form back to the company. However, while these may seem like straightforward questions with simple answers, they may not be as clear cut as they seem.

For example, your bank will usually be a company that you are familiar with and know you can trust. However, this does not automatically mean you should accept a credit card from them. This is not because the terms will be unfavourable compared to other lenders but rather because you should be thinking of the consequences if you prove unable to repay your credit card bills. While it is no doubt a serious matter to fall behind in credit card payments, for most people, this will be even more serious if this is also their bank that controls their mortgage and other finances.

Also, while the APR will be calculated in a standard way for all lenders, this is not the only aspect of the price of the card that you should be looking at. While the APR may seem attractive, it will be less so if the company levy hefty charges for late payment or reserve to right to alter your interest rate in the future.

Also, if your choice of credit card is based on the rewards that are being offered by that particular card, you should take into consideration any of the small print associated with the awarding of these rewards. For example, did you know that if you go above your credit limit with certain credit cards you forfeit all rewards that would have been awarded on your spending in that month? Also, the same may apply if you fail to make at least the minimum payment in any given month, the credit card company may withdraw your rewards for this too.

In short, while getting your hands on a credit card may be easier today than it has been in the past, and there are a host of companies out there willing to lend to you, you should remember that credit card agreements are complex contracts and you should think about all the aspects of it before you get involved.