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Discover® More(SM) Card- American Flag
This credit card is Issued by Discover.
This card received a rating of 4.00 out of 5.00 |
| Basic Credit Card Information |
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| Introductory Rate: |
0% Intro APR* |
| Time Period: |
6 months |
| Rate Applied To: |
Purchases, Balance Transfers |
| Additional Details: |
There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details. |
| Regular APR: |
10.99% |
| Variable or Fixed: |
Fixed |
| Annual Fee: |
$0 |
| Annual Fee Details: |
None |
| Application Fee: |
n/app |
| Participation Fee: |
n/app |
| Reload Fee: |
n/app |
| Inactive Fee: |
n/app |
| Total First Year Fees: |
n/app |
| Type Of Rewards: |
Rebate |
| Be sure to read the card's Data before applying! |
| Credit Card Review |
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The Discover® More(SM) Card - American Flag, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card. Through the reward program, cardholders earn a 5% Cashback Bonus in categories such as travel, home, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores.Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive 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 remains active within a 36-month period.Aside from the reward program, the card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services.The Discover® More(SM) Card - American Flag card has no annual fee, an attractive 0% introductory rate on purchases for 6 months, and a 0% introductory rate on balance transfers for twelve months. The APR for this card is reasonably low, although it is important to note that only higher qualifying applicants will receive the lowest rate available.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 - American Flag 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.
This review was updated 2008-06-27T00:00:00.0000000-07:00
| Reward Program Information |
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| Type Of Rewards: |
Rebate |
| Reward Program Optional: |
No |
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Optional programs may have a fee. See Data for details. |
| For Cards with Cash Back Incentives |
| Lowest Possible Rebate: |
.25% |
| Highest Possible Rebate: |
5% |
| Additional Rebates: |
Cardholders earn a 5% Cashback Bonus in categories like travel, home, gas, restaurants, movies, and more. Earn a 0.25% rebate at select warehouse clubs and discount stores. Earn up to double Cashback Bonus® at participating Discover Card Partners. |
| Rebate Details: |
Earn a 0.25% rebate for up to $1,500 in general spending; 0.5% for over $1,500 up to $3,000; and 1% for over $3,000. Reward is redeemable in $20 increments only. |
| For Cards with Point Incentives |
| Points Per Dollar Spent: |
n/app |
| Additional Points: |
n/app |
| Point Details: |
n/app |
| For Cards with Airline Incentives |
| Miles Per Dollar Spent: |
n/app |
| Additional Miles: |
n/app |
| Program Details: |
n/app |
Rewards Expiration Period: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
Annual Limit: None
| Additional Credit Card Perks |
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Various Internet account related services.
Up to $500,000 in travel accident insurance.
Auto rental insurance.
No liability for unauthorized transactions.
Fraud and security protection services.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
Special Notations about the Discover® More(SM) Card- American Flag
*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%.
See website for complete terms and conditions of card usage and application disclosure.
Always read the credit card's Data before applying!
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