Discover® More(SM) Card - Sealife Collection
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Overall Rating 4.0
Benefit Rating3.5
About Ratings
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Apply Now | BALANCE TRANSFERS | INTRO RATE | APR (PURCH) |
APR (CASH) |
ANNUAL FEE | ||
|---|---|---|---|---|---|---|---|---|---|
| Rate | Duration | Rate | Duration | ||||||
| 0% | 6 mths | 0% | 6 mths | 11.99 | 23.99% | $0 | |||
Key Features:
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
Rates and Fees
| Card Type | Discover |
| Introductory Rate Offer | 0% for 6 months |
| Card Status | Platinum |
| APR for Purchases | as low as 11.99% |
| APR for Cash Advances | 23.99% |
| Annual Fee | 0% |
| Annual Fee for additional cardholders |
$0 |
| Grace Period | 25 Days (Min.) |
| Minimum Credit Limit | $5,000 |
| Maximum Credit Limit | $50,000 |
| 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 |
| Credit Rating | Very Good |
Rewards Information
| Points per Dollar Spent | |
| Additional Points | |
| Miles per Dollar Spent | |
| Additional Miles | |
| Additional Perks | Various card designs to select from. Various Internet account related services. Emergency card replacement. Auto rental insurance. Fraud and security protection services. Up to $500,000 in travel accident insurance. Discounts on products and services at p |
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.Discover® More(SM) Card - Sealife Collection
Issued by DiscoverMost Attractive Feature(s): Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.
Least Attractive Feature(s): Low rate not available to all applicants.
Description
The Discover® More(SM) Card - Sealife Collection, issued by Discover, is designed for those with very good credit who are looking for a Cashback Bonus® reward credit card. Through the reward program, cardholders can earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% on general purchases and .25% on purchases made at select warehouse clubs and discount stores. Those who spend up to $1,500 on general purchases will receive a .25% rebate. For those who spend between $1,500 and $3,000, a a .5% rebate will be earned, and over $3,000 will earn a 1% rebate.* As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates 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. The card has no annual fee and features an attractive 0% introductory APR on purchases and balance transfers for six months. The APR on purchases after the introductory rate expires is reasonable for those who qualify. Aside from the reward program, the card also provides several platinum benefits, including travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also have access to discounts on products and services at participating merchants and retailers. Therefore, those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card - Sealife Collection 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 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.
Updated: May 15 2009 9:47AM