Discover® More(SM) Card - Sealife Collection

This Discover Credit Card is issued by Discover.

This card received a rating of 4.00 out of 5.00

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The Discover® More(SM) Card - Sealife Collection, issued by Discover, is designed for those with very good credit who are looking for a Cashback Bonus® reward credit card.

Introductory Rate:	0% Intro APR*
Time Period:	6 months
Rate Applied To:	Purchases, Balance Transfers
Additional Details:	There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.
Regular APR:	10.99%
Variable or Fixed:	Variable
Annual Fee:	$0
Annual Fee Details:	None
Application Fee:	n/app
Participation Fee:	n/app
Reload Fee:	n/app
Inactive Fee:	n/app
Total First Year Fees:	n/app
Type Of Rewards:	Rebate
Be sure to read the card's before applying!

Credit Card Review

The Discover® More(SM) Card - Sealife Collection, issued by Discover, is designed for those with very good credit who are looking for a Cashback Bonus® reward credit card.

Through the reward program, cardholders can earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% on general purchases and .25% on purchases made at select warehouse clubs and discount stores.

Those who spend up to $1,500 on general purchases will receive a .25% rebate. For those who spend between $1,500 and $3,000, a a .5% rebate will be earned, and over $3,000 will earn a 1% rebate.*

As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.

The card has no annual fee, an attractive 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve months. The APR on purchases after the introductory rate expires is reasonable for those who qualify.

Aside from the reward program, the card also provides several platinum benefits, including travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also have access to discounts on products and services at participating merchants and retailers.

Therefore, those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card - Sealife Collection has to offer.

*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

This review was updated 2008-08-19T00:00:00.0000000-07:00

Reward Program Information

Type Of Rewards:	Rebate
Reward Program Optional:	No
	Optional programs may have a fee. See for details.

For Cards with Cash Back Incentives
Lowest Possible Rebate:	.25%
Highest Possible Rebate:	5%
Additional Rebates:	Cardholders earn a 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies, and more. Earn a 0.25% rebate at select warehouse clubs and discount stores. Earn up to double Cashback Bonus® at participating Discover Card Partners.
Rebate Details:	Earn a 0.25% rebate for up to $1,500 in general spending; 0.5% for over $1,500 up to $3,000; and 1% for over $3,000. Reward is redeemable in $20 increments only.

For Cards with Point Incentives
Points Per Dollar Spent:	n/app
Additional Points:	n/app
Point Details:	n/app

For Cards with Airline Incentives
Miles Per Dollar Spent:	n/app
Additional Miles:	n/app
Program Details:	n/app

Rewards Expiration Period: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.)

Annual Limit: None

Additional Credit Card Perks

Various card designs to select from. Various Internet account related services. Emergency card replacement. Auto rental insurance. Fraud and security protection services. Up to $500,000 in travel accident insurance. Discounts on products and services at participating merchants and retailers. See website for additional benefits.

Special Notations about the Discover® More(SM) Card - Sealife Collection

*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.

Always read the credit card's before applying!