The Discover® More (SM) Card – Monogram has you name written all over it.  Well, actually it just has your initials on it.  But it’s still a great fit for anyone looking for a quality credit card with a strong cash back bonus plan.

The fact that the Discover® More (SM) Card – Monogram can be personalized with your initials is nice, but none of us should be making personal finance decisions based on how a piece of plastic look.  We need to be much more concerned with the terms and extra features than we are with appearances.  In the final analysis, most of us would prefer a hideously ugly credit card with awesome terms to a beautiful one that drives us slowly to the poorhouse.

Luckily, the Discover® More (SM) Card – Monogram really is a solid card.  It’s not for everyone, but if you fit the target audience you’ll undoubtedly want to slide it into your wallet.  The card is designed for people who have strong credit and want a card that offers a cash reward program.  If you’re struggling with your credit score or would prefer a different bonus structure, it won’t be your best option.  If you do fit the target audience, however, you’re going to love this card.

The interest rate varies based on the applicant.  At the time of this article’s writing, it could fall anywhere from 11.99% to 19.99%.  This isn’t a card for everyone and the fact that Discover weeds out high risk applicant for the Discover® More (SM) Card – Monogram allows them to offer a package that doesn’t contain numerous hidden feeds.  You don’t even need to pay that credit card industry standard known as the “annual fee” with this offering.  If you make a balance transfer from another card to the More card, you won’t pay interest on the transfer for twelve months.

Cardholders also receive extra benefits like travel accident insurance, auto rental insurance and a very strong fraud protection system.  Various retailers will frequently offer special discounts that More cardholders can access.

The good terms are only part of the story.  The Discover® More (SM) Card – Monogram also comes with a very strong cash back reward program.  More users can secure a 5% cash back bonus when they make purchases in categories like travel, gas, restaurants, and movies.  All other purchases qualify for as much as a 1% back back bonus.  Impressively, you can get a double bonus if you redeem your rebates with Discover Card Partners for gift certificates.  Don’t believe for a second that you couldn’t find a way to do that.  Discover has relationships with an impressive array of retailers.  Discover won’t cap rebate accumulation and the rebates don’t expire unless your account is inactive for three full years.

If you plan on using a card enough that a cash back bonus program makes sense to you, the Discover® More (SM) Card – Monogram is a perfect option.  It’s a nice strong card with a wonderful set of extras.

Plus, you can put your initials on it!