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The Discover More Card is a really cool credit card with many exceptional features. However, the most disappointing thing about this Discover More Card is it rarely offers sign-up bonus. Today when I received my new issue of SmartMoney magazine, there is a sign-up bonus code from Discover More Card which is offering $100 bonus after you make first $500 in purchases. I think this would be a great opportunity for those who want to apply for the Discover More Card.

To get the $100 bonus, you have to apply for a new Discover Card through apply.Discovercard.com and put the code: DBBA. Or you can call Discover Card at 800-206-4960 and mention the code to get this offer. This offer expires on December 2, 2008.

Besides the $100 bonus, there are other great benefits from the Discover More Card.

1. Get 0% APR on balance transfer until October 2009.

2. Get 5% cash back on regular categories which are change every quarter like travel, groceries, restaurants and more.

3. If you visit China, the Discover Card is accepted anywhere that accepts the China UnionPay credit card which is the largest credit card network in China. Currently, the Discover Card is the most widely accepted American credit card in China.

However, the cash back calculation method for the Discover card is kind of complicated.

You can earn a full 5% cashback bonus on category purchases throughout the year by signing up for each program. In addition, earn full 1% unlimited cashback bonus on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $1,500 earn 0.25% and other purchases that are part of your second $1,500 earn 0.5%. Warehouse purchases earn 0.25%. (Sam’s Club for example)

You only need $20 cashback bonus to start to redeem your cash back rewards. The other reason that I like the Discover Card a lot is the excellent ShopDiscover Program. The cash back rates at ShopDisover are unbeatable. You can get 5% cash back from BestBuy, Apple Store, Dell Home etc. It’s a good choice to make online purchases at ShopDiscover. You can earn extra cash back.