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The name Discover is
often associated with the top credit card issuers in the United
States. Since the Discover card was first introduced in 1985,
customers have been drawn to its various reward programs.
Discover card offers
varying credit card rates. They do have a 0 percent introductory
APR that is offered for a time determined by your credit score.
After that, your APR will be 9.99 percent. This low rate is only
available for those of you with good credit. Discover also
offers a cash back bonus awards program to all of its customers.
With the Discover More Card, the rewards start off with a 1%
cash back bonus. You'll earn this every time you use the card
for ordinary purchases. By shopping at certain places, such as
department stores, gas stations, and restaurants, you can
qualify for 5% cash back. Using the card toward travel expenses
can also bring in 5% cash back.
By using the card at ShopDiscover, which is Discover's online
shopping site, you can earn 20% cash back. To do this, you'll
want to buy from merchants such as Eddie Bauer, Lego, and Sears,
among others.
This card also comes with a 0% interest rate for the first
six months. A 0% APR also can be used toward balance transfers
for the first year. There's no annual fee with the card.
Before applying, it should be noted that the cash back
rewards are offered on a scale. You'll receive only 0.25% cash
back on the first $1,500 that you spend on the card. Then from
$1,500 to $3,000, you'll earn 0.50% cash back, and when
purchases exceed $3,000, you'll earn the full 1% cash back.
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