There are many different “versions” of the Discover® More(SM) Card on the market.  You can get the one with the American flag waving in the background.  You can get one emblazoned with your initials on it.  The naturalists will appreciate the multiple sea life and wildlife options.  Meanwhile, those with a more minimalist sense of aesthetics may prefer the clear variation.

No sensible person would choose a credit card based on its appearance.  We’d all rather have a hideously ugly card that offered a great deal than a beautiful one with atrocious terms.  The thing to remember about the More series is that all of those different looks are stamped on top of the same offer.  Luckily, the offer itself is extremely good.  If you’re looking for a credit card with a strong cash back rewards program, it’s hard to find a better deal than the Discover® More(SM) Card series.

Let’s start with the base terms associated with the card.  You don’t pay an annual fee.  You can transfer balances from other cards to the Discover® More(SM) Card without paying any interest for as long as a year.  The interest rate is competitive, too.  Depending upon the applicant, it ranges from an impressive 11.9% to a still-decent 19.9%.

The card isn’t designed for anyone with an itch to add plastic to their wallet, though.  It isn’t the most discriminating card on the market, but the More card is targeted at those who have a relatively strong and proven credit history.  If your FICO is at 700 or less, the odds are against your approval.  If you do have decent numbers, however, it’s a great chance to take advantage of that fact.  That’s because the More card boasts more than friendly initial terms.  It’s loaded with extras, including a very strong cash back rewards program.
Cardholders automatically get high-value travel insurance coverage and auto insurance rental coverage.  They also get Discover’s impressive fraud protection.  Those are nice perks, but they’re definitely overshadowed by the cash back deal.

General purchases qualify for 1% on the cash back program, but the actual rate of accumulation can get as high as 5%.  It’s going to depend on how much you spend and where you shop, of course.  It’s worth noting that many retailers offer extra cash back kickbacks due to their arrangements with Discover.  The accumulation process is less regulated than it is with other cards and the points don’t magically disappear if you don’t use them right away.  In fact, you can cash in as long as your account hasn’t been dormant for three full years.

The Discover® More(SM) Card elevates the quality of the rewards program by providing a double value opportunity.  If you use your rewards to purchase gift cards from Discover partner companies, you’ll get twice the value.  That’s a great multiplier because the companies with which Discover has aligned itself represent a laundry list of the best known names in food and retail.  You might not be a gift certificate buyer as a general rule, but when you see the value you can get by using your cash back rewards this way, it’s hard not to fall in love with the idea.

Overall, the Discover® More(SM) Card is a very good option for people with decent credit scores and a desire to be involved with a top-notch reward program.  The Discover® More(SM) Card may have many different looks, but they all boil down to over very good offer package.