If you have a clear slate on your credit card history, then there’s no reason for you not to get the Discover® More® Card—Clear. Of course, you also need to earn a minimum of $15,000 annually to own this card. Despite the seemingly stringent prerequisites, though, you’ll be happy to know that this credit card probably has the most flexible cash rebate system in the market.

For starters, those who were lucky enough to have this card don’t need to pay additional annual fees. Discover’s Get More Program also allows holders to get rebated even from items they purchase on a daily basis. Depending on the season, you can get 5% cash rebate for purchasing gas, grocery items, or materials for your home improvement projects.

You can also treat yourself to dinner, or go out of town with your partner and family, and enjoy the same cash rewards at the end of the day. Of course, as with other Discover® More® Cards, you need to schedule your expenses well to take full advantage of the Platinum card’s rotating 5% cash rebate promo.

If you don’t wish to use the automatic cash back reward, you may also choose to double your rewards by asking for gift certificated from participating merchants, instead. There are currently 60 popular brands which honor the Discover® More® Clear card.

As with other Platinum cards, the Discover® More® Clear also allows you to enjoy a maximum of $500,000 worth of insurance for travel accident, fraud, and car rental accident. The cash rewards for this credit card aren’t limited per year, so you can earn as many rebates as you want, for as long as you want. The only catch is that you need to keep your credit card active for 36 months.

Like – Flexible cash rewards and low interest rates for holders with good credit scores

Dislike – This card only benefits those with high, or at least clear credit scores.