The Ultimate Guide to Credit Cards
Monday, March 8, 2021

2021 Discover More® Card vs. Discover it® Cash Back

Discover More Card Vs Discover It Card

credit card advice

Ashley Dull
By: Ashley Dull
Updated: March 11, 2020
Advertiser Disclosure

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. In the following article, we’ll take a look at the Discover More card vs. Discover It card. The latter card replaced the More card several years ago, bringing with it a few distinct changes and new card offerings.

More® vs. it® | Best Discover Offers

The Discover it® Cash Back Replaced the Discover More®

In short, the Discover it® Cash Back card is the most recent iteration of Discover’s product line, having replaced the Discover More® card in 2013.

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.

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® Cash Back card. A fitting replacement for the Discover More® card, the Discover it® Cash Back offers many of the same benefits as its predecessor, including quarterly rotating bonus categories.

The Best Current 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.

Discover’s product line focuses on consumer cards but does have a business option available. The consumer card line includes the Discover it® Cash Back, as well as the Discover it® Miles card — which replaced The Miles Card — and the Discover it® chrome card, which replaced The Gasoline Card. The business card offered is the Discover it® Business 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 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 card designed to fit the bill.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$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: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 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 available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • New! Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

No matter what type of rewards you want to earn, you’ll never need to worry about them expiring so long as your account remains open and in good standing. Plus, all the Discover credit cards will come with many of the same cardholder benefits, including 24/7 account monitoring and a fraud liability policy on unauthorized purchases made with your Discover card.

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 card has a very competitive introductory APR for new cardholders that will ease the pressure of interest and allow users to payoff debt easier.

Discover it® Balance Transfer

This card is currently not available.

Discover® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Keep in mind that the introductory APR 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 balance transfer offer does not apply to new purchases. Once your promotional period expires, you’ll be charged the regular balance transfer APR.

Another thing to remember with balance transfers is there is usually a one-time balance transfer fee to transfer a balance from another card to your current card.

The Best Discover Cards for Students

For many students, college is not only a time of great academic learning, but it 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 with inviting introductory terms, 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
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when 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.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable APR
$0
Fair/New to Credit
Discover it® Student chrome Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.5
OVERALL RATING
4.0/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 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.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable APR
$0
Fair/New to Credit

As an added incentive for student cardholders to excel in the classroom, Discover’s student credit cards provide a statement credit each school year the student maintains a high GPA for a set number of years.

With all these perks and more in mind, 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 Credit 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 Credit Card offers cash back rewards on every purchase.

Not only will your Discover it® Secured Credit Card earn you cash back at gas stations and restaurants (up to the quarterly limit), you’ll earn unlimited cash back on all of your other purchases.

Discover it® Secured Credit Card Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★
3.7
OVERALL RATING
3.7/5.0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
22.99% Variable APR
$0
New/Rebuilding

While cash back rewards on a secured credit card is enough incentive for many to jump aboard, the Discover it® Secured Credit Card has another feature that makes it a good pick for credit builders: it’s upgradable.

As you use your Discover it® Secured Credit 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 latest generation in the Discover 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.

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