The Discover More SM Card's Wildlife Collection provides cardholders with excellent benefits in terms of cash back.  The card is a good choice for those that want to earn more from the services they use most often.  Cardholders will earn 5 percent cash back bonuses on purchases they make the most often including restaurants, movie, home and gas purchases, travel and even apparel purchases.  An additional 20 percent cash back is available to those that want to take advantage of today's top retailers online by shopping through the Discover card's exclusive website.

Increase your rewards by redeeming them for gift cards to specific retailers.  This helps you increase or double the rewards that you earn.

All other purchases will qualify for cash back up to 1 percent.  There is no annual fee to this line of credit and it offers an introductory offer of 0 percent APR to qualified borrowers.  An additional 0 percent APR is available on balance transfers through March of 2009 for qualified borrowers.

Standard APR on purchases is between 10.99 percent and 18.99 percent.  All cardholders have access to the Discover online management tools, which make bill management and payment easy to do.  The attractive wildlife collection makes the Discover More SM Card Wildlife Collection even more attractive.