The Discover More Card has attractive perks for cardholders. Its no balance transfer fee is a great option and the 0% introduction is a much better offer than my last credit card. The card that the Discover More Card - No Balance Transfer Fee is replacing is my First Premiere Gold Card. This Discover card has more options and flexibility. Because it's a full 12 months, I can take advantage of this rate during the holidays, and well after my birthday and tax time next year. These bonuses add up fast even if you don't spend a lot of money. Even years after you have the card, it will remain a great deal with the standard APR compared to First Premiere Gold Card.

The Discover More Card has a intriguing no balance transfer fee, which you can use for a year, but it would be best if you paid it off by the end of that year. The interest rate is quite high afterwards. You get 0% fees/balance transfer fees for a year, this is good for just a year though. A nice perk to the card is the 5% cash on travel, gas, groceries, restaurants is pretty nice since it doesn't expire. If you need to pay off your balance, transferring it to this card would help since you get some rewards while doing it.

The Discover More Card advertises how it has no balance transfer fee, but the no balance transfer bonus is merely a year, before it reverts to a somewhat high rate. A little ridiculous, I'd think. 0% APR for 12 months is definitely a perk, and along with the year of no balance transfer makes the card fairly appealing. The rewards rotate - Discover often offers a 5% rotating cash back depending on the month or so. Otherwise, the rewards are below industry standard with "UP TO 1%" back on other purchases. So as a rewards card, this card is pretty sub par, but it offers no APR or balance transfer fee for a year... if you're considering this card, consider the Discover It card, which offers the same two perks for 14 months.

You have to love no balance transfer fees and an introductory rate of 0% for a whole year, unlike, for example, the QuickTrip Gas Card which offered no intro rate at all. Also, the Discover® More Card has the added benefit of offering rewards, this time, cash-back on purchases, up to 5% in some cases, and also, the cash back has no limit and doesn't expire, so that is a real added bonus. I've never had a Reward program with my Slate from Chase card, but that seems like it could add up quickly if you use your card a lot.

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.