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The Discover® More(SM) Card - Wildlife Collection, issued by Discover, is designed for those with very good credit who are looking for a cash 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% for general purchases and .25% for purchases made at select warehouse clubs and discount stores.

Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive 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 and features an attractive 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. The APR 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 - Wildlife 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.

Updated: Thursday, October 08, 2009<\/span>
Most Attractive Feature(s): <\/span>Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.<\/span>

Least Attractive Feature(s): <\/span>Low rate not available to all applicants.<\/span>Note: The review of this card was updated on 10/8/2009. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc.<\/span>

Introductory Rate Offer:	0% APR for 6 Months
Intro Applied To:	Balance Transfers
Intro Details:	There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. See terms and conditions for complete details.
APR for Purchases:	as low as 11.99%
APR for Cash Advances:	23.99%
Method of Computing Balance:	Average Daily Balance (including new purchases)
Annual Fee:	$0
Annual Fee for Additional Cardholders:	$0
Grace Period:	25 Days (Min.)
Late Payment Fee:	$19 on balances up to $250; $39 on balances over $250
Over The Limit Fee:	$15 on balances up to $500; $39 on balances over $500
Cash Advance Fee:	3%, $5 minimum
Balance Transfer Fee:	3% for each balance transfer made under this offer
Minimum Credit Limit:
Maximum Credit Limit:

Type of Reward:	Rebate
Reward Expiration:	None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.)
Reward Yearly Limit:	None
Rebate Minimum:	.25%
Rebate Maximum:	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.
Additional 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.

Category:	Reward - Cash
Issuer:	Discover
Card Status:	Platinum
Card Type:	Discover
Important Notations:	*The APR for purchases and balance transfers varies according to the applicant\'s credit history and may range from 11.99% - 18.99%. See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on Discover’s website.

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