The Discover® More(SM) Card – Sealife Collection is part of the overall Discover More line.  As the name suggests, it features an image of a fish and various sea flora on its front, making it aesthetically ideal for the ocean lovers in need of a credit card.

However, the presence of absence of various ocean dwellers really is not going to be the difference maker when looking at a credit card.  If the terms look right and the extras are solid, you might choose this version of the card if that is your thing.  If the terms are miserable and the only extras are extra hidden fees, you are not going to care if the card has a picture of your dear old mom on it.  A bad deal is a bad deal.

Fortunately, the Discover® More(SM) Card – Sealife Collection is not a bad deal.  In fact, it is really a very nice credit card option.  It would fall into the “premium” card category based on its terms and added benefits.

If you have a poor credit history the Discover® More(SM) Card – Sealife Collection will not your best credit card choice.  It is targeted toward those with good, established credit histories.  It appears as though it is very difficult to receive an approval unless you have a FICO score of 720 or higher, in fact.

If you do qualify, however, you will probably want to snap this card right up.  The APR is variable, ranging from 11.9% to 19.9%.  Discover allows balance transfers to the card on a nice 12-month no-interest plan.  As is usually the case with higher-end cards of this sort, the Discover® More(SM) Card – Sealife Collection does not have any annual fees.

Of course, you do get more than just a solid credit card deal.  There are some very nice extras, too.  Cardholders get travel insurance and rental car insurance.  Discover also offers a nice fraud protection plan and a secondary card number for online purchases.

Sounds good, right?  Well, if that was all the Discover® More(SM) Card – Sealife Collection had to offer, it would still be a nice choice.  The fact that it comes with a very nice cash reward, however really makes it irresistible.  It is one of the most popular aspects of this particular Discover card.

You can earn up to 5% back in cash rewards with the More card.  The rates vary based upon where you are shopping and what you are buying.  Some retailers will cook up special offers for cardholders and Discover frequently runs bonus promotions.  On top of that already impressive deal, you can actually redeem your points for double value by purchasing gift certificates from the companies with whom Discover partners.  That is a bigger bonus than you may think, too, as Discover has arranged deals with an impressive roster of companies.  Overall, it is one of the most impressive programs on the market and a very strong point in favor of this particular credit card offer.

So, if you’re looking for a solid credit card with terms that are quite fair and a very nice bonus program, you should give the Discover® More(SM) Card – Sealife Collection a great deal of consideration.  It is strongly recommended.