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Discover® More / Platinum Card Review

A generous rewards program– plus much much MORE!

Apply for the Discover More Platinum Card!If you have good credit and are looking for a generous rewards program– take a look at the Discover® More Card (formerly Discover®  Platinum.) It has an extremely flexible reward program; plus, the opportunity to earn double rewards when you redeem points for gift cards at select Discover® Card partners.

Intro APR Intro Period Ongoing APR Annual Fee Grace Period
0.00% 12 months 10.99% (V) None 25 days

More About Discover® More:

The Discover® More Card features a savings program called the Discover® Get More Purchase program. Shop at various designated merchants which rotate each month like Ace Hardware, Bed, Bath and Beyond, Lowes, Menard, Pier 1 Imports, Restoration Hardware, SHERWIN-WILLIAMS, Smith & Hawken, The Container Store, The Home Depot for home, gas, apparel, books and more and earn 5% cash back.

A tiered cash back reward system is based on your annual expenditure. For the first $1,500 in annual expenditure, you earn 0.25%. For the next $1,500 in annual expenditure (ie $1,500 to $3,000), you earn 0.50% rebate. Once your annual expenditures exceed $3,000, you earn 1% rebate. The full cash rebate for this card will be applied to those purchases made after the card holder has reached the pre-set spending amount.

The Cashback Bonus® rewards program offers complete freedom to choose whether to redeem your reward by check, electronic deposit, credit to your Discover® account, gift cards or certificates. Cardholders also can earn double rewards by redeeming their rebates for 60+ merchant partners gift certificates. That means that a $20.00 rebate can turn into a $40.00 gift certificate. Shop online at www.shopdiscover.com and save money for consumers when you use your Discover® card.

With no annual limit on earned rebates and no expiration on rewards with accounts that remain active within a 3 year period, the card has no annual fee and an attractive 0% APR on purchases and balance transfers for 12 months for those who qualify. Cardholders also receive discounts on products and services at participating merchants and retailers.

Finance charges are applied using the “Two Cycles Average Daily Balance” method vs. the “Average Daily Balance” method used by most issuers. This is a more costly way of determining finance charges if you carry a balance from month-to-month, but it won’t be an issue during the 12 month intro period– or, if you pay your bill in full each month.

Aside from the reward program, the Discover® More Card also provides several platinum benefits including up to $500,000 in travel accident insurance, auto rental insurance, various fraud and purchase protections and zero liability for unauthorized transactions. You can download your credit card statements to Quicken and Microsoft Money. You can also change your statement bill due date to match your other credit cards.

Summary of Features:

- 0% intro APR* on purchases and balance transfers for 12 months
- Up to 5% Cashback Bonus® at select locations
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards that never expire
- $0 fraud liability guarantee
- Easiest online account management options
- No annual fee
- Up to $500,000 in travel accident insurance
- Auto rental insurance
- Double rewards when you redeem for gift cards at 70 brand name partners.

Apply for the Discover® More Card Right Now!

Or, see a complete list of our Discover Credit Cards >>>

2 Responses to “Discover® More / Platinum Card Review”

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