No one in his or her right mind would ever choose a credit card based on the way it looks.  Yes, it is nice to have something aesthetically pleasing in your wallet.  However, when we talk about credit cards we are talking about our personal finances, credit ratings and money management skills.  It is serious business and the fact that a card looks “just right” should not be a determining factor in whether you apply for it.

That being said, the appearance of the Discover® More(SM) Card – Clear is almost good enough to justify the application without even looking at the terms.  Put simply, it is a very modern and very “cool” credit card.

Fortunately, if you do check the terms and bonus program associated with the Discover® More(SM) Card – Clear, you will learn that it really is a rock-solid card.  It is both good looking and delivers a very good deal.
The card is targeted at those who have managed their credit effectively.  If your FICO is on the south side of 700, this is not the right option for you.  If you have a solid credit history and are interested in a powerhouse cash back reward program it may very well become your favorite card.

The cash back plan is impressive.  It has some of the most liberal rules out there and the rate of accumulation is much better than what you will find with most other cards.  Every purchase automatically qualifies for at least 1% cash back.  Depending on what you are buying, whom you are buying from and how much of it you are getting, that number can hit a jaw-dropping 5%!  Then, Discover has it set up so that you can redeem at double the face value when you purchase gift certificates from members of its partner network.  The list of participating companies is amazing, making it completely convenient to opt for the gift certificate multiplier without experiencing any inconvenience.

Unlike some credit cards, the Discover® More(SM) Card – Clear is not designed to dangle a rewards carrot in front of you that you will never taste.  A review of Discover’s policies reveals a very fair approach to the rewards offer including the fact that your points will not magically disappear when you need them the most.  With this card, your rebates stick around until you use them unless your account remains dormant for a jaw-dropping three years.

That rewards deal is tacked onto some other nice extras including a bundle of travel insurance and auto rental coverage.  Of course, Discover® More(SM) Card – Clear cardholders also receive strong anti-fraud protection.

The extras are wonderful, but they are just extras.  The do not matter if the card itself features horrible terms.  Well, the Discover® More(SM) Card – Clear actually features some outstanding terms including an extremely competitive APR (that varies based on the applicant), no annual fee and the ability to transfer balances to the card interest-free for a full year.

If you are looking for a very solid credit card with an exceptional cash back rewards policy, you really do need to consider Discover® More(SM) Card – Clear.  On one hand, it is an attractive piece of minimalist artwork.  On the other, it’s a cash back machine with very competitive card terms.