Discover® More® Card review

Originally the Discover® Platinum Card, the Discover® More® credit card continues to offer a great value for consumers who enjoy the convenience of carrying a balance on their credit card.

Discover® More® Card interest rates

The Discover® More® Card offers extremely competitive regular interest rates and a 0% introductory APR on balance transfers for 18 months and purchases for six months. Discover® Cards are also noted for offering higher credit limits to qualified borrowers than Visa and MasterCards.

Discover® More® Card acceptance rate

The Discover® More® Card is selective, but may be available to applicants with average credit. Applicants with FICO credit scores above 650 are usually accepted; applicants with FICO credit scores between 600 and 649 may be accepted depending on your credit usage, history, and income. Applicants with FICO credit scores below 600 may only be accepted if you have a high income and low credit utilization and your recent credit history shows substantial improvement.

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Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the American Express Affiliate Program.

Editor’s review: Blue Cash Everyday^SM Card from American Express is one of our most recommended credit cards because it is the only credit card with which you can earn 5% cash back at grocery stores, gas stations, and drugstores.

Rewards: Card members earn 3% cash back for every purchase made at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back for every purchase made everywhere else. There is no limit on the amount of cash back you can earn.

Rates and fees: Blue Cash Everyday^SM Card from American Express carries no annual fee. The APR for this card will be determined based upon your credit worthiness and is variable, currently between 17.24% and 21.24%.

New card members get a 0% introductory APR on purchases for up to 12 months. Blue Cash Everyday^SM Card from American Express uses the average daily balance method (including new purchases) of calculating your monthly balance. This card has a 20 day grace period.

Other benefits: Blue Cash Everyday^SM Card from American Express offers several additional travel and shopping programs:

Card members can shop at shopamex.com, a shopping comparison site designed for Amex cardholders. You can also redeem points for your purchases.

Card members can get a $100 statement credit back if you purchase a $3,000 vacation from American Express Travel Services.

Buyers Assurance – Get a double warranty for products you purchase with your card up, up to one additional year of coverage. Coverage is good for up to a purchase of $10,000 and up to $50,000 worth of purchases a year.

Purchase Protection Plan – Enjoy the ability to return any purchase if it is accidentally damaged in 90 days.

American Express Selects - The international traveler will enjoy discounts at Amex partner merchants worldwide.

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*Additional Rate and Fee Information:

• Variable Purchase APR: 14.99% or 19.99%, or 7.99% for secured cards
• Annual Fee: $0 – $59 the first year, $35 – $59 per year thereafter
• Late Fee: Up to $35
• Over the Credit Limit Fee: Up to $25
• Variable Balance Transfer APR: 14.99% or 19.99%, or 7.99% for secured cards
• Variable Penalty APR: 29.99%

*Orchard Bank’s goal is to provide you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed. Please see the Orchard Bank Website for a complete list of terms.