Who says your credit card needs to look like everyone else’s? Certainly, Discover® More® cards go beyond mere uniformity. However, the Discover® More® Card – Wildlife Collection is a step ahead of aesthetically personalized cards. This line of credit cards displays a beautiful wildlife scene, letting you enjoy the pretty picture and telling other people about your passion for nature’s preservation.

More important than the face-value of the card, though, is its Platinum benefits. It has no additional annual fees, and for the first 36 months that you use your card, you can enjoy 0% interest rate on all purchases and balance transfers.

The Wildlife Collection of Discover® More® Cards is also covered by the company’s 5% Cashback Bonus promo. This means that for every quarter of the year, you get to enjoy 5% cash rebate on certain purchase categories. If you spend more than $3000 a year, you will also earn 1% cash rebate on every excess dollar that you spend.

There are also select retailers and merchants who offer double rebate promos. All you have to do is to use gift checks from these participating partner merchandisers and you’ll receive double your cash-back earnings. Holders with excellent credit history can also benefit from extra bonuses that comes with the Discover® More® Card—Wildlife Collection. Remember the insurance benefits that Platinum card holders get?

You’re also entitled to these Platinum insurance benefits if you have a Wildlife Collection card from Discover® More®. This means up to $500,000 worth of travel accident insurance, car rental insurance, or fraud insurance. If you shop online, you will also be given a unique credit card account number for security reasons. You don’t have to worry about identity theft anymore while you’re shopping online.

If you’re using your card to purchase items from participating online stores, you’re also assured of a more secure shopping experience. All you have to do is log in to your Discover® More® Wildlife Collections account, and you can browse through the merchant’s websites through your credit card pages. There’s no more risk of spywares and hackers who could be trying to siphon your credit card information from unsecured sites.

The Good: The card offers flexible cash rewards and Platinum insurance and security benefits.
The Bad: The full benefits of the card are limited to holders who have excellent credit history.

The Marriott Rewards Premier Visa Signature Card is a credit card from Chase specifically designed for those who travel frequently and allows you to get some extra reward points if you stay at Marriott hotels, or use it for travel expenses like hotel rooms and airfares.

How it Works

You automatically get 20,000 reward points when you use your Marriot Rewards card for the first time. Then every dollar you spend using the card at a Marriott location will earn you 5 points. You get 2 points for each dollar you charge on the card for car rentals, dining, and airfare. All other purchases will give you 1 point for every dollar.

Benefits

The Marriott Rewards you earn can be used to stay for free in any of the 3,000 Marriott hotels worldwide. You can also spend it for cruises, car rentals, airfares, and other event and travel related stuff. If you travel a lot, you can use the points to access the VIP lounge of airports.

A really good feature of this premier visa signature card is that you can use the rewards for 5 day or 7 day of vacation packages. All inclusive. That means your airfare will be taken cared of, and even your dining expenses. At 70,000 points they have some good listing of cool destinations like the Caribbean or to the heart of Latin America.

Fees

You need to shoulder $65 of annual fee for the Marriott Rewards Premier Visa Signature Card.

You can take advantage of cash advances but you need to pay a 3% fee. Late payments will cost you $15 applicable to balances through $100. Late fees for balances through $250 will cost you $29 while balances over $250 will cost you $39.

Weighing the Pros and Cons

Looking at the features of the Marriott Rewards card we see these positive things:

• Annual fee is low
• Free overnight stay at a Marriott hotel is cool
• Sign up bonus of 20,000 points is good

One downside is that the rewards program is pretty restrictive. You can earn bigger points if you go to Marriott hotels.

Verdict

This card is perfect for those who travel a lot and for those who really frequent the Marriott hotels.