Discover® More Card - No Balance Transfer Fee
Discover® More Card - No Balance Transfer Fee
We're sorry, but the Discover® More Card - No Balance Transfer Fee is no longer available to new applicants. For customer service call: 800-347-2683, Ext.
You can write a review about the Discover® More Card - No Balance Transfer Fee or check the card’s rates and fees according to our latest records, which may be outdated and were collected independently by us. Alternatively, you can compare the latest credit card offers.
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 10.99% - 19.99% (V) APR after that
Balance Transfer
0% intro APR for 12 months, 10.99% - 19.99% (V) APR after that
Balance Transfer Fee
Rewards
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply.
UP TO 1% Cashback Bonus on all other purchases.
Unlimited cash rewards that never expire.
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
Discover® More Card - No Balance Transfer Fee's Additional Info
Limited Time Offer - $0 Balance Transfer Fee!
Intro balance transfer fee of $0 for transfers that post to your account by 7/10/2012 with the 0% intro APR balance transfer offer described above. After that, either $10 or 5% of the amount of each transfer, whichever is greater.
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%.
Choose from a lot of different card designs.
This card offer is NOT available to existing Discover card members. You might want to first close your existing Discover card account and then apply for this offer.
cash advance fee | 5% (min $10) |
cash advance APR | 23.99% (V) |
foreign transaction fee | $0 |
smart chip | No |
max late fee | $35 |
max overlimit fee | $0 |
max penalty APR | 24.99% (V) |
grace period | 23 days |
Discover® More Card - No Balance Transfer Fee Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
No initial rewards bonus
Requires excellent credit
Compare The Discover® More Card - No Balance Transfer Fee vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0% for 12 months | Purchase Intro APR0% for 15 months | Purchase Intro APR0% for 15 months |
transfer intro apr0% for 12 months|Transfer Fee: $0 | transfer intro apr0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time | transfer intro apr0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time |
Regular APR10.99% - 19.99% (V) | Regular APR19.99% - 29.99% (V) | Regular APR19.99% - 29.99% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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But what if you need significantly more than 12 months to pay down a transferred balance? What if you opened the More Card just to garner the 0% rate on purchases and 5% cash back rate? In both cases, the No Balance Transfer Fee Discover More Credit Card doesn’t have much to offer you, let alone “more.” The reason why is there are at least two Citicards that offer 0% on both purchases and transfers for 21 months. Yes, these cards have 3% balance transfer fees, but this won’t affect you if you aren’t planning on transferring a balance and will likely pale in comparison to the finance charges you’d incur if you allowed whatever balance remained at the end of 12 months to be exposed to the 10.99% - 20.99% (V) that kicks in once the 0% intro period on the Discover More No Balance Transfer Fee Card expires.
Ultimately, the Discover More Card is a pretty good option for consumers looking to manage their debt while also earning rewards on everyday expenses. It is the best card for if you can pay down your debt in 12 months, but if you need more time, you’ll have to do some math to figure out whether the balance transfer fee charged by a card offering 0% for longer will be more expensive than the interest you’d incur with the Discover More Card. On the other hand, since small business owners should use different cards for funding and everyday purchases, the More Card is not really applicable to them. If you’d be able to pay down your debt within 12 months, the lack of a balance transfer fee probably wouldn’t be all that meaningful, at least in comparison to what you’d save with a 0% interest rate for 21 months. If it were me choosing credit cards to use for business, I’d get the American Express SimplyCash Card for everyday expenses, since it offers 5% cash back on wireless services and office supplies and 3% cash back on gas, and one of the personal Citi bank credit cards that gives you 0% for 21 months.
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