What do polar bears, bald eagles, wolves and cash back rewards programs all have in common?  If you guessed the Discover® More(SM) Card – Wildlife Collection, you were right.  This entry in the Discover More card line allows you to choose from a variety of different animal portraits to grace the front of your card and combines that little bit of wildlife with an industry-leading cash back rewards program.

The Discover® More(SM) Card – Wildlife Collection is targeted toward those who have relatively strong credit and who are more interested in a cash back reward program than they are in accumulating frequent flier miles or pursuing some of the other credit card perks.  If you are not carrying a FICO score of at least 700, the Discover® More(SM) Card – Wildlife Collection probably is not the right card for you.  If you are, it can make an excellent choice.

When you evaluate a credit card, the first place to look is at the terms (even before you look at the animal portrait options!).  The Discover® More(SM) Card – Wildlife Collection offers exactly what you would expect from a relatively upscale card.
The APR can vary based on the applicant, but will range from a very strong 11.9% to a still acceptable 19.9%.  There is no annual fee associated with the card and you can transfer a balance to this Discover product without making interest payments for as long as a year.
Discover sweetens the pot with solid extras like significant travel insurance and automobile rental insurance.  As is the case with all of their products, they provide a very good fraud protection policy, as well.  Discover is often cited as an industry leader in both online and offline buyer protection and this card comes with all of the safety bells and whistles you could possibly need.

All of that would be reason enough to give the Discover® More(SM) Card – Wildlife Collection a thumbs-up, but the cash rewards program is what really cinches the deal.  General purchases earn 1% cash back or more.  In some cases, you can earn as much as 5%, depending on where and how much you are shopping.  Discover regularly offers special promotions and retailers will often give additional rebates to More shoppers.

Obviously, that is one strong rewards package.  Believe it or not, it gets better.  In addition to the nice payout scheme and the fair terms and conditions associated with the cash rewards policy, you can actually redeem your accumulated rebates for double their value when you purchase gift certificates from one of the many Discover partner companies.  This is a very strong opportunity to double the value of the program, as the roster of companies involved is really quite diverse and impressive.  Overall, the rewards program for this Discover credit card option really is one of the strongest on the market.

When you combine that with the already-strong core terms, this is definitely a card worth considering.   If you have are looking for a premium-quality card that’s willing to give you a great cash back offer, it’s time to start determining which animal you’d like to grace the front of your Discover® More(SM) Card – Wildlife Collection.  It is a good card whether you are excited about that baby seal or you are more interested in the deer!