Important information about your Discover More Card
Know what to expect before you apply for a card by browsing the specific terms that may be offered to you based on your credit history.
| Interest Rates and Interest Charges | |
|
Annual Percentage Rate (APR) for Purchases |
N/A% introductory APR for N/A months from date of account opening. After that, N/A when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1 |
|
APR for Balance Transfers |
N/A% introductory APR for N/A months after the first transaction posts to your account under this offer. After that, N/A when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1 |
|
APR for Cash Advances |
N/A%. This APR will vary with the market based on the Prime Rate.1 |
|
Penalty APRs and When They Apply |
Purchases and Balance Transfers: Between up to N/A% and up to 24.99% based on your creditworthiness and other factors. Cash Advances: up to 28.99% based on your creditworthiness and other factors. These Penalty APRs will vary with the market based on the Prime Rate.2 These Penalty APRs may be applied to new transactions on your account if you make a late payment. How Long Will These Penalty APRs Apply?: If your APRs for new transactions are increased for a late payment, the Penalty APRs may apply indefinitely. |
|
How to Avoid Paying Interest on Purchases |
N/A |
|
Minimum Interest Charge |
If you are charged interest, the charge will be no less than $N/A. |
|
For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard |
| Fees | |
|
Set-up and Maintenance Fees
|
|
|
Transaction Fees |
|
|
4% of the amount of each transfer made under this offer and with this application; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater |
|
Either $10 or 5% of the amount of each cash advance, whichever is greater |
|
N/A% of the U.S. dollar amount of each purchase made in a foreign currency |
|
Penalty Fees |
|
|
N/A |
|
N/A |
How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions)."
Loss of Introductory APR: We may end the availability of any introductory APR on new transactions and apply the Penalty APR to new transactions if you make a late payment.
Prime Rate: We use the highest prime rate listed in The Wall Street Journal on the last business day of the month.
1For the purchase APR, we add between 8.74% to 16.74% to the Prime Rate to determine the APR based on your creditworthiness. For the cash advance APR, we add 20.74% to the Prime Rate to determine the APR.
2For the penalty APR for purchases and balance transfers, we add between up to 13.74% and up to 21.74% to the Prime Rate to determine your APR. For the penalty APR for cash advances, we add up to 25.74% to the Prime Rate to determine your APR. Each time you fail to make a payment when due, we may add up to an additional 5 percentage points to the otherwise applicable APR. The amount we add is based on your creditworthiness and other factors such as your current APRs and your account history. See Cardmember Agreement for details.
INTRODUCTORY APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until October 10, 2010. If you request balance transfers after this date, they will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit line may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit line. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit line. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to U.S. residents 18 and older. Terms of this offer, including fees and calculations of variable rates, are accurate as of July 2010 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS.
Offer valid for new cardmembers only.
CARDMEMBER AGREEMENT: You will receive a Cardmember Agreement with the Card. You agree that the Cardmember Agreement and the account are governed by Delaware and federal law. The terms of your account, including rates and fees, are subject to change, to the extent permitted by law. ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020. OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card. Up to 1% Cashback Bonus - Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. 5% Cashback Bonus program - Earn 5% Cashback Bonus on category purchases up to the total purchase dollar amount specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Warehouse purchases and category purchases are not included in determining your total annual purchases eligible to earn 1% Cashback Bonus. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Click here to see the current 5% program details.
INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.
| Interest Rates and Interest Charges | |
|
Annual Percentage Rate (APR) For Purchases |
N/A% introductory APR for N/A months from date of account opening. After that, N/A when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1 |
|
APR for Balance Transfers |
N/A% introductory APR for N/A months after the first transaction posts to your account udner this offer. After that, N/A when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1 |
|
APR for Cash Advances |
N/A%. This APR will vary with the market based on the Prime Rate.1 |
|
Penalty APRs and When They Apply |
Purchases and Balance Transfers: Between up to N/A% and up to 25.99% based on your creditworthiness and other factors. Cash Advances: up to 28.99% based on your creditworthiness and other factors. These Penalty APRs will vary with the market based on the Prime Rate.2 These Penalty APRs may be applied to new transactions on your account if you make a late payment. How Long Will These Penalty APRs Apply?: If your APRs for new transactions are increased for a late payment, the Penalty APRs may apply indefinitely. |
|
How to Avoid Paying Interest on Purchases |
N/A |
|
Minimum Interest Charge |
If you are charged interest, the charge will be no less than $N/A. |
|
For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard |
| Fees | |
|
Set-up and Maintenance Fees
|
|
|
Transaction Fees |
|
|
4% of the amount of each transfer made under this offer and with this application; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater |
|
Either $10 or 5% of the amount of each cash advance, whichever is greater |
|
N/A% of the U.S. dollar amount of each purchase made in a foreign currency |
|
Penalty Fees |
|
|
N/A
|
|
N/A |
How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions)."
Loss of Introductory APR: We may end the availability of any introductory APR on new transactions and apply the Penalty APR to new transactions if you make a late payment.
Prime Rate: We use the highest prime rate listed in The Wall Street Journal on the last business day of the month.
1For the purchase APR, we add between 9.74% to 17.74% to the Prime Rate to determine the APR based on your creditworthiness. For the cash advance APR, we add 20.74% to the Prime Rate to determine the APR.
2For the penalty APR for purchases and balance transfers, we add between up to 14.74% and up to 22.74% to the Prime Rate to determine your APR. For the penalty APR for cash advances, we add up to 25.74% to the Prime Rate to determine your APR. Each time you fail to make a payment when due, we may add up to an additional 5 percentage points to the otherwise applicable APR. The amount we add is based on your creditworthiness and other factors such as your current APRs and your account history. See Cardmember Agreement for details.
INTRODUCTORY APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until October 10, 2010. If you request balance transfers after this date, they will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit line may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit line. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit line. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to U.S. residents 18 and older. Terms of this offer, including fees and calculations of variable rates, are accurate as of July 2010 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS.
Offer valid for new cardmembers only.
CARDMEMBER AGREEMENT: You will receive a Cardmember Agreement with the Card. You agree that the Cardmember Agreement and the account are governed by Delaware and federal law. The terms of your account, including rates and fees, are subject to change, to the extent permitted by law. ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020. OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card. Up to 1% Cashback Bonus - Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. 5% Cashback Bonus program - Earn 5% Cashback Bonus on category purchases up to the total purchase dollar amount specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Warehouse purchases and category purchases are not included in determining your total annual purchases eligible to earn 1% Cashback Bonus. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Click here to see the current 5% program details.
INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.
| Interest Rates and Interest Charges | |
|
Annual Percentage Rate (APR) For Purchases |
N/A% introductory APR for N/A months from date of account opening. After that, N/A when you open your account. This APR will vary with the market based on the Prime Rate.1 |
|
APR for Balance Transfers |
N/A% introductory APR for N/A months after the first transaction posts to your account under this offer. After that, N/A when you open your account. This APR will vary with the market based on the Prime Rate.1 |
|
APR for Cash Advances |
N/A%. This APR will vary with the market based on the Prime Rate.1 |
|
Penalty APRs and When They Apply |
Purchases and Balance Transfers: Up to N/A% based on your creditworthiness and other factors. Cash Advances: up to 29.99% based on your creditworthiness and other factors. These Penalty APRs will vary with the market based on the Prime Rate.2 These Penalty APRs may be applied to new transactions on your account if you make a late payment. How Long Will These Penalty APRs Apply?: If your APRs for new transactions are increased for a late payment, the Penalty APRs may apply indefinitely. |
|
How to Avoid Paying Interest on Purchases |
N/A |
|
Minimum Interest Charge |
If you are charged interest, the charge will be no less than $N/A. |
|
For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard |
| Fees | |
|
Set-up and Maintenance Fees
|
|
|
Transaction Fees |
|
|
5% of the amount of each transfer made under this offer; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater |
|
Either $10 or 5% of the amount of each cash advance, whichever is greater |
|
N/A% of the U.S. dollar amount of each purchase made in a foreign currency |
|
Penalty Fees |
|
|
N/A
|
|
N/A |
How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions)."
Loss of Introductory APR: We may end the availability of any introductory APR on new transactions and apply the Penalty APR to new transactions if you make a late payment.
Prime Rate: We use the highest prime rate listed in The Wall Street Journal on the last business day of the month.
1For the purchase APR, we add 17.74% to the Prime Rate to determine the APR. For the cash advance APR, we add 20.74% to the Prime Rate to determine the APR.
2For the penalty APR for purchases and balance transfers, we add up to 22.74% to the Prime Rate to determine your APR. For the penalty APR for cash advances, we add up to 26.74% to the Prime Rate to determine your APR. Each time you fail to make a payment when due, we may add up to an additional 5 percentage points to the otherwise applicable APR. The amount we add is based on your creditworthiness and other factors such as your current APRs and your account history. See Cardmember Agreement for details.
INTRODUCTORY APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until October 10, 2010. If you request balance transfers after this date, they will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit line may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit line. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit line. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to U.S. residents 18 and older. Terms of this offer, including fees and calculations of variable rates, are accurate as of July 2010 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS.
Offer valid for new cardmembers only.
CARDMEMBER AGREEMENT: You will receive a Cardmember Agreement with the Card. You agree that the Cardmember Agreement and the account are governed by Delaware and federal law. The terms of your account, including rates and fees, are subject to change, to the extent permitted by law. ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020. OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card. Up to 1% Cashback Bonus - Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. 5% Cashback Bonus program - Earn 5% Cashback Bonus on category purchases up to the total purchase dollar amount specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Warehouse purchases and category purchases are not included in determining your total annual purchases eligible to earn 1% Cashback Bonus. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Click here to see the current 5% program details.
INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.
| Interest Rates and Interest Charges | |
|
Annual Percentage Rate (APR) For Purchases |
N/A% introductory APR for N/A months from date of account opening. After that, N/A when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1 |
|
APR for Balance Transfers |
N/A% introductory APR for N/A months after the first transaction posts to your account under this offer. After that, N/A when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1 |
|
APR for Cash Advances |
N/A%. This APR will vary with the market based on the Prime Rate.1 |
|
Penalty APRs and When They Apply |
Purchases and Balance Transfers: Between up to N/A% and up to 25.99% based on your creditworthiness and other factors. Cash Advances: up to 28.99% based on your creditworthiness and other factors. These Penalty APRs will vary with the market based on the Prime Rate.2 These Penalty APRs may be applied to new transactions on your account if you make a late payment. How Long Will These Penalty APRs Apply?: If your APRs for new transactions are increased for a late payment, the Penalty APRs may apply indefinitely. |
|
How to Avoid Paying Interest on Purchases |
N/A |
|
Minimum Interest Charge |
If you are charged interest, the charge will be no less than $N/A. |
|
For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard |
| Fees | |
|
Set-up and Maintenance Fees
|
|
|
Transaction Fees |
|
|
4% of the amount of each transfer made under this offer and with this application; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater |
|
Either $10 or 5% of the amount of each cash advance, whichever is greater |
|
N/A% of the U.S. dollar amount of each purchase made in a foreign currency |
|
Penalty Fees |
|
|
N/A
|
|
N/A |
How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions)."
Loss of Introductory APR: We may end the availability of any introductory APR on new transactions and apply the Penalty APR to new transactions if you make a late payment.
Prime Rate: We use the highest prime rate listed in The Wall Street Journal on the last business day of the month.
1For the purchase APR, we add between 9.74% to 17.74% to the Prime Rate to determine the APR based on your creditworthiness. For the cash advance APR, we add 20.74% to the Prime Rate to determine the APR.
2For the penalty APR for purchases and balance transfers, we add between up to 14.74% and up to 22.74% to the Prime Rate to determine your APR. For the penalty APR for cash advances, we add up to 25.74% to the Prime Rate to determine your APR. Each time you fail to make a payment when due, we may add up to an additional 5 percentage points to the otherwise applicable APR. The amount we add is based on your creditworthiness and other factors such as your current APRs and your account history. See Cardmember Agreement for details.
INTRODUCTORY APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until October 10, 2010. If you request balance transfers after this date, they will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit line may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit line. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit line. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to U.S. residents 18 and older. Terms of this offer, including fees and calculations of variable rates, are accurate as of July 2010 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS.
Offer valid for new cardmembers only.
CARDMEMBER AGREEMENT: You will receive a Cardmember Agreement with the Card. You agree that the Cardmember Agreement and the account are governed by Delaware and federal law. The terms of your account, including rates and fees, are subject to change, to the extent permitted by law. ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020. OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card. Up to 1% Cashback Bonus - Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. 5% Cashback Bonus program - Earn 5% Cashback Bonus on category purchases up to the total purchase dollar amount specified in each program. You must sign up for each 5% program. Category purchases in excess of the specified amounts will automatically earn up to 1% Cashback Bonus. Warehouse purchases and category purchases are not included in determining your total annual purchases eligible to earn 1% Cashback Bonus. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Click here to see the current 5% program details.
INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.
Cashback Bonus 
