Discover is a brand of Credit Card like Visa or Mastercard but Discover works directly with card holders and offers rewards that generally exceed that of any other zero fee credit card offer.
The most popular Credit Card offered by Discover is the Discover More Card. Here are some of the pros and cons of the Card.
Pros:
- 5% Cashback Bonus on Everyday Purchases
- Up to 1% Unlimited Cashback Bonus on all other purchases automatically
- $0 Annual Fee
- 0% Intro Purchase APR and Intro Balance Transfer APR for 15 Months
- Option of using Cashback Bonus to credit your Discover Card account or direct despsite into your bank account
- Discover is ranked #1 in customer loyalty 15 years in a row
- 24/7 access to U.S. based Account Manager within 60 seconds
Cons:
- Fewer accepting merchants than Visa or MasterCard especially internationally
- 5% Cashback Bonus is not available on all purchases year round
- 3% Balance Transfer fee for each balance transfered
How does this compare to other popular major credit cards?
Capital One Cash – MasterCard
- Does have: 1% Cash Back, No Annual Fee, 0% Intro Purchase/Balance Transfer
- Doesn’t have: 5% Cashback Bonus. Plus: Requires excellent credit
Citi Dividend Platinum Select - Visa
- Does have: 5% Cashback Bonus with 1% Cash Back on other purchases, No Annual Fee
- Doesn’t have: 0% Intro Purchase & Balance Transfer. Plus Requires Excellent Credit
Applying for a Discover More Card is just a one page online form that takes only a couple minutes to complete and you will get a response in less than a minute. Here is more information about applying online.
Based on my research and experience I would say that the Discover More card is a great second credit card because you can still use your primary card outside the country or with vendors that don’t accept Discover cards but you can still capitalize on the huge 5% cash back reward. If you don’t travel outside the United States, want a zero annual free card with a rewards program and value customer service then the Discover More card would be a great primary card. The other reason to get a Discover card is if you are currently carrying a credit card balance then you can take advantage of the 15 month interest free balance transfer. If this all sounds great then click below to apply now.
