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 12 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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Editor’s review: Blue Cash 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 1% cash back for every purchase made at supermarkets, gas stations, and drugstores and 0.5% cash back for every purchase made everywhere else for spending up to $6,500 per year. Once card members reach $6,500 in annual spending, they earn 5% cash back at supermarkets, gas stations, and drugstores and 1.5% on all other purchases. There is no limit on the amount of cash back you can earn. Learn more about Blue Cash rewards.

Rates and fees: Blue Cash from American Express carries no annual fee. The APR for this card will be determined based upon your credit worthiness, but may as low as 17.24% and up to 21.24%.

New card members will get a 0% introductory APR on purchases for 6 months. Blue Cash 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 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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Customer reviews: Do you have or have you applied for a Blue Cash® from American Express? Please submit your opinion! To control SPAM, your review may take 12-24 hours to appear.

*Rates and balance transfer period may vary based upon applicant creditworthiness. See full terms and conditions for details.

*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.

Making its debut in the Spring of 2007, the Discover® Motiva credit card is truly unique among American credit cards in that its rewards structure is based on finance charge rebates.

The interest rebates, combined with an aggressive introductory balance transfer offer (0% for 12 months), make it an excellent card choice for borrowers looking to pay off an existing credit card debt as inexpensively as possible.

For example, a borrower with a $5,000 credit card balance on a credit card with an 18% APR making minimum payments would save $650 a year by transferring a balance to the Motiva Card, and that’s before the interest rebates.

The Motiva Card gives card members one month of no finance charges for every six months the card member makes on-time payments. This could bring the first-year savings on a $5,000 credit card balance to approximately $690.

In addition to Motva’s unique rewards program, our reviews of Discover’s customer-service, online account management, and fraud prevention and security measures have been excellent.

Acceptance Rate

The Discover® Motiva Card is selective, however, applicants with average credit scores may be approved. Applicants with below-average credit cards will most likely not be approved.

Applicants with FICO credit scores above 700 are usually accepted; applicants with FICO credit scores between 650 and 700 may be accepted depending on your credit usage, history, and income. Don’t know your score? Get it free now.

Applicants with FICO credit scores below 640 may only be accepted if you have a high income and low credit utilization and your recent credit history shows substantial improvement.

Apply for a Discover Motiva Card Now »

Customer Reviews

Do you have or have you applied for a Discover® Motiva Card? Please submit your opinion! To control SPAM, your review may take 12-24 hours to appear.