Discover® More Card - 18 Month Promotional Balance Transfer
Quick Card Summary
- 0% interest on balance transfers for 18 months!
- 5% Cashback Bonus
- No annual fee credit card
| Intro APR | Intro Applied To | Intro Period | Annual Fee | Rewards |
|---|---|---|---|---|
| 0% | Purchases | 6 mo. | $0 | Yes |
| Balance Transfers | 18 mo. |
Creditnet's Full Review
The Discover® More Card - 18 Month Balance Transfer offer is a cash rewards card designed for consumers with good credit. If you're looking for a cash rewards card that earns you Cashback bonuses on every purchase you make, the Discover® More Card might be for you.
This Discover® More Card - 18 Month Balance Transfer card comes with an extremely attractive offer for NEW card customers only: 18-month 0% Introductory APR on balance transfers ! You'll also enjoy 0% Introductory APR on purchases for 6 billing cycles from the date of account opening.
The Discover® More Card - 18 Month Balance Transfer card earns you 5% Cashback on purchases you make once enrolled in seasonal spending categories that change each yearly quarter. Depending on what time of year it is, you can earn 5% Cashback bonuses on gas, groceries, home furnishing and improvement purchases, hotels, restaurants and even trips to the movies!
You can also earn up to 1% unlimited Cashback bonus on every purchase you make outside those seasonal purchasing categories. You'll earn .25% Cashback bonus on every purchase you make until your yearly spending total reaches $3,000 dollars. After that, you'll earn 1% Cashback bonus. Shop online through Discover and you'll earn up to 20% in Cashback Bonus at popular retailers! There's no limit to the amount of Cashback bonuses you can accrue, and these bonuses never expire as long as your account is active and current.
The Discover® More Card - 18 Month Balance Transfer card lets you redeem your Cashback bonus rewards for merchandise, gift cards from hundreds of name-brand retailers, Discover gift cards that are good anywhere Discover is accepted, and even cash. You can redeem your Cashback bonus rewards for direct deposits to a bank account of your choice or for credits to your Discover card statement.
On top of these excellent features, you'll never be charged an annual fee for the Discover® More Card. You can access your account securely online anytime day or night, and customer service is available whenever you need it. The Discover® More Card - 18 Month Balance Transfer card is an excellent choice if you're looking for a cash rewards card, a very long 0% Introductory APR on balance transfers, 0% Introductory APR on purchases, or all three!
Creditnet's Expert Rating & Review
Favorite Card Features: 5% cash back is the highest cash back offer on the market right now. 20% cash back when you shop online through Discover's website is an added bonus. We also like the 0% interest promo period of 18 months on balance transfers.
Least Favorite Features: 5% cash back is not given automatically—you have to enroll each quarter to receive it. However, enrollment is as simple as following the link in a quarterly email that notifies you of the upcoming quarter's categories. So if you're frequently connected throughout the day, enrollment should not be an issue.
Our Final Take: This is a great card if you are willing to put forth a little effort to enroll each quarter in order to earn the maximum cash back offered. Also, if you can always remember to check for any deals through Discover's network when shopping online, you could earn a whopping 20% cash back! The potential for high cash back on everyday purchases coupled with its no interest promo on purchases and balance transfers earns the Discover® More Card - 18 Month Balance Transfer a high Creditnet rating.
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | 0% | ||
| Intro Period: | 6 mo. | ||
| Ongoing APR: | 10.99% - 20.99% (V)* | ||
| Penalty APR: | 15.99% up to 25.99% | ||
| Balance Transfers | Cash Advances | ||
|---|---|---|---|
| Intro APR✝ : | 0% | Intro APR✝ : | n/a |
| Intro Period: | 18 mo. | Intro Period: | n/a |
| Ongoing APR: | 10.99% - 20.99% (V)* | Ongoing APR: | 23.99% |
| Penalty APR: | 15.99% up to 25.99% | Penalty APR: | 15.99% up to 25.99% |
| Transfer Fee: | 3% | Advance Fee: | 5% |
| Min. Transfer Fee: | n/a | Min. Advance Fee: | $10.00 |
| Max. Transfer Fee: | n/a | Max. Advance Fee: | n/a |
| ✝ Must initiate transfer: | n/a | ||
| Other Rates | Credit Line | Penalty Fees | |||
|---|---|---|---|---|---|
| Foreign Transaction Fee: |
2% | Min: | n/a | Late Payment: | Up to $35 |
| Min. Interest Charge: | $0.50 | Max: | n/a | Over the Credit Limit: | n/a |
| Returned Payment | $35.00 | ||||
