Discover® More Card - No Balance Transfer Fee
We're sorry, but this offer may have been discontinued and may no longer be available to new applicants. Below is the card's latest information according to our records from when it was last available to new applicants through this website.
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- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: Discover
Cash Back
| Initial Bonus None |
Base Earn up to 1% |
Max Earn 5% |
Earn / Redeem Limit No |
- 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.
| Intro Rate 0% |
Intro Period 12 months |
Regular Rate 10.99% - 19.99% (V) |
| Intro Rate0% | Intro Period12 months | Regular Rate10.99% - 19.99% (V) | Balance Transfer Fee None |
| Cash Advance Rate 23.99% |
Cash Advance Fee 5% (min $10) |
- 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.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 24.99%
- Grace Period: 23 days
- Online Response: Yes
- Foreign Transaction Fee: None
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Discover® More Card - No Balance Transfer Fee is related to the following credit card categories:
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Discover® More Card - No Balance Transfer Fee shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 3:33 EDT
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While The Discover More Card - No Balance Transfer Fee is technically a personal credit card, it can be an interesting option for both consumers and small business owners alike. You see, business credit cards aren’t protected by the credit card law that prevents arbitrary interest rate increases, which means only personal credit cards offer legally enforced debt stability. The most cunning small business owners are using business credit cards for everyday purchases and personal credit cards for funding as a result and a very wide array of people therefore want to know whether the No Balance Transfer Fee Discover More Card stacks up well with the other 0% credit cards on the market or not. In addition to 0% on purchases and transfers (without a fee) for 12 months, the No Balance Transfer Fee Discover More Card offers 5% cash back in major spending categories (you’ll likely have to sign up for this on a quarterly basis). This combination of perks means you could even decide to only make minimum payments during the first year of card use in order to leave your would be payments in the bank accruing the good kind of interest for longer. 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.