2018 Discover More® Card vs. Discover it® Credit Card

Discover More® Card vs. Discover it® Credit Card

credit card advice

Ashley Dull
By: Ashley Dull
Posted: May 24, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

As is only natural, most products on the market tend to evolve over time, getting new features, new designs, and new names every few years to keep up with changing times. And credit cards are no exception.

The very first Discover Card launched in 1986, introducing the concept of cash back rewards to the consumer credit card market. Since that time, the issuer’s card offerings have been through several changes.

But while many of the changes to Discover’s credit card product line have been good for consumers, the switches from one product to another can cause some confusion.

More® vs. it® | Best Discover Offers

The Discover More® Card Was Replaced by the Discover it®

In short, the Discover it® card is the most recent iteration of Discover’s product line, and all current Discover credit cards are a part of the Discover it® family.

Looking at the timeline of changes throughout Discover’s history, the first major change to Discover’s product line came more than a decade after the company’s inception, with the launch of the Discover Platinum Card in 1998. The Platinum card offered cash back rewards based on your annual spending, with better rewards rates the more you spent.

The Platinum Card was later joined by The Gasoline Card (bonus cash back on gas purchases) and The Miles Card (for travel redemption) in 2003, making a trio of rewards cards available to consumers.

The Discover Business Card, aimed at small-business owners, joined the group in 2006. A year later, the Discover Motiva card was launched, the industry’s first card to offer cash rewards for making on-time payments.

Collage of Discover Cards Over the Years

Discover has had a range of different cards over the last few decades, including the original Discover Card, the Discover Motiva Card, and the Discover More® card. The Discover it® family of cards is the current iteration.

The same year the Discover Motiva launched, the Discover Platinum Card was replaced by the Discover More® Card. The Discover More® card was the first Discover card to offer rotating bonus rewards categories to cardholders as a way to earn more cash back on certain purchases.

The Discover product line remained relatively unchanged for several years, but 2013 brought big changes with the introduction of the Discover it® card. A fitting replacement for the Discover More® card, the Discover it® offers many of the same benefits as its predecessor, including quarterly rotating bonus categories and no annual fee.

The Best Discover Offers

During its ups and downs, Discover maintained its consumer popularity, and it remains one of the most highly rated issuers for customer service. While the issuer’s product line may not be as robust as that of some others, Discover maintains a variety of solid rewards cards.

Today, Discover’s product line focuses on consumer cards, with no business options available. The line includes the Discover it® card (in several offer variations), as well as the Discover it® Miles card — which replaced The Miles Card — and the Discover it® Chrome gas and restaurant card, which replaced The Gasoline Card.

Discover also expanded the it® line several times, adding two student credit card options, as well as a secured credit card that offers rewards — a rarity in the credit-building card marketplace.

Rewards | Balance Transfers | Students | Building Credit

The Best Discover Cards for Rewards

As the pioneer of credit card rewards, Discover has always maintained solid rewards offerings in its card lineup, and its current Discover it® family of cards is a reflection of that legacy.

Whether you want cash back or miles, flat-rate rewards, or rotating or set bonus categories, there’s a Discover it® card that can fit the bill.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent
Discover it® chrome Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent
Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

No matter what type of rewards you want to earn, all the Discover it® cards will come with many of the same cardholder benefits, including Price Protection, 24/7 account monitoring, and a $0 Fraud Liability Guarantee on unauthorized purchases made with your Discover card. And you’ll never pay an annual fee.

The Best Discover Cards for Balance Transfers

While purchase rewards are often what steals the show, no rewards card on the market will offer enough rewards to offset a high APR. If you’re carrying a balance on another card, the balance transfer deal offered by this Discover it® card can give you up to 18 interest-free months to pay down your balance.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.49% - 24.49% Variable
$0
Good/Excellent

Keep in mind that the 18-month 0% APR introductory period applies to balance transfers made within a set period of time after you open your account (check the terms to see exact dates).

Additionally, the 18-month offer does not apply to new purchases (you only get six months for new purchases). Once your promotional period expires, you’ll be charged the regular balance transfer APR of 13.49% to 24.49% (variable).

Another thing to remember is that you’ll be charged a one-time balance transfer fee of 3% of the transferred amount to transfer a balance from another card to your Discover it® card.

The Best Discover Cards for Students

For many students, college is not only a time of great academic learning, but is also the first time these young people will live on their own and handle their own finances. Student credit cards can be a way to get started using credit, as they tend to be more forgiving of shorter credit histories than other prime credit cards.

Discover’s student credit cards not only come without an annual fee, they’ll also offer purchase rewards to help students earn while they learn.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair
Discover it® Student chrome Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.5
OVERALL RATING
4.0/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair

As an added incentive for student cardholders to excel in the classroom, Discover’s student credit cards offer Good Grade Rewards, which provide $20 in cash back each school year the student’s GPA is 3.0 or higher for up to five years after account opening.

Plus, with no late fee for the first late payment and no penalty APR for late payments, these student cards can give beginning credit users a bit of a cushion to get the hang of things.

The Best Discover Card for Building Credit

The Discover it® Secured Card is the newest addition to the family, and a welcome one for many. A bit of a consumer credit unicorn, the Discover it® Secured Card offers cash back rewards on every purchase — without an annual fee.

Not only will your Discover it® Secured Card earn you 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, you’ll earn unlimited 1% cash back on all of your other purchases.

Discover it® Secured Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★
3.7
OVERALL RATING
3.7/5.0
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.49% Variable
$0
Please refer to issuer's website

While cash back rewards on a secured credit card with no annual fee is enough incentive for many to jump aboard, the Discover it® Secured Card has another feature that makes it a good pick for credit builders: it’s upgradable.

As you use your Discover it® Secured Card, Discover will periodically look into your credit progress. If it looks like you’re ready for the next step and your account is in good standing, Discover will automatically upgrade you to an unsecured credit card, refunding your deposit.

Get a Little More Out of Your Discover Card

Change can be scary — but that doesn’t mean it’s inherently bad. Some changes can be for the better, like when your favorite credit card rewards program gets an upgrade.

Over the last few decades, Discover has made a number of changes to its credit card lineup, but many of these changes have had positive results.

Its latest change — the introduction of the Discover it® family of cards — brought a lot of strong contenders to the modern credit card market. The Discover More® card may be, well, no more, but its replacements are a fitting addition to the collection.