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Great Offer

  • No Annual Fee

  • 0% Intro Purchase APR for 14 months and then 11.99%22.99% Standard Variable Purchase APR.

  • 0% Intro Balance Transfer APR for 14 months from date of first transfer, for transfers under this offer that post to your account by February 10, 2022 and then 11.99%22.99% Standard Variable Purchase APR.

  • Intro fee of 3% of the amount of each transfer for transfers that post to your account by February 10, 2022 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.

Your Cash Rewards

  • 2% Cashback Bonus at Gas Stations and Restaurants on up to $1000 in combined purchases each quarter.

  • 1% Cashback Bonus on all other purchases—with no limit on how much you can earn.

Your Card Benefits

  • 24/7 Travel Assistance with free car rental insurance.

  • Fraud Liability Guarantee with free fraud alerts for advanced possible warning.

  • Financial Tools to help you spend smarter and pay down debt faster.

Start with the right card

  • Fair
    No Annual fee. No overlimit fee. No pay-by-phone fee. No foreign transaction fee. And no late fee for your first late payment. Plus we won't raise your APR for paying late.*

  • Generous
    Get real cash on every purchase – not points.

  • Flexible
    Choose your own due date and pay up to midnight (ET) online or by phone without a fee. And if you lose your job, we'll find a way to help.

  • Human
    Talk to a real person whenever you want. Our friendly service team here in the U.S. will answer your call in seconds.

  • Safe
    Discover ranks among the industry's highest in identity fraud resolution1. And you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.

1 Javelin Strategy & Research's Eighth Annual Card Issuer's Safety Scorecard

It's your card, so pick one that speaks to your style

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Terms and Conditions

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% intro APR for 14 months from date of account opening.

After the intro APR expires, your APR will be 11.99% to 22.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 0% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by February 10, 2022.

After the intro APR expires, your APR will be 11.99% to 22.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances 24.99%.

This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.
Set-up and Maintenance Fees
  • Annual Fee
  • None
Transaction Fees
  • Balance Transfer
  • Intro fee of 3% of the amount of each transfer for transfers that post to your account by February 10, 2022 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
  • Cash Advance
  • Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty Fees
  • Late Payment
  • None the first time you pay late. After that, up to $40.
  • Returned Payment
  • Up to $40.

HOW WE WILL CALCULATE YOUR BALANCE: We use a method called "daily balance (including new transactions)."

HOW WE CALCULATE VARIABLE RATES BASED ON THE PRIME RATE: We use the highest U.S. Prime Rate listed in the online The Wall Street Journal (www.wsj.com) on the last business day of the month. For the purchase APR, we add from 8.74% to 19.74% to the Prime Rate based on your creditworthiness. When we evaluate creditworthiness, we consider your credit report, all the information you provided and other information. Customers with the best credit profiles receive the lowest rates. Some customers may receive higher rates and may be offered an account with different rates or terms, including no introductory rates but the same cash back rewards offer. For the cash advance APR, we add 21.74% to the Prime Rate.

BALANCE TRANSFERS: This offer applies to balance transfers that post to your account by 2/10/2022. It takes at least 14 days after your account is opened to process payments to your other accounts. You may cancel a balance transfer at any time prior to that by calling 1-800-347-3085. Continue to make all required payments to your other accounts until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts and do not earn rewards. You may transfer any amount, up to your credit available for transfers, which may be less than your total credit line. If your balance transfer request will exceed your available credit, we will process your transfers for less than the amount requested, in the order requested. You may only make balance transfers to accounts that list you as an accountholder. The minimum payment requirement can cause promotional balances to be paid in full prior to the end of the promotional period. There is no grace period on your balance transfers. If you take advantage of this balance transfer offer, you will be charged interest on purchases unless your purchase APR is at a promotional 0% APR. To avoid interest on new purchases after you transfer a balance, you must pay all balances on your account, including any balances you transfer under this offer, in full by the first payment due date. See your Cardmember Agreement for details.

PAYMENT ALLOCATION: We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the minimum payment due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

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. You are eligible to apply for a second Discover credit card account after your first Discover credit card account is opened more than twelve months. You may have a maximum of two Discover credit card accounts. You agree Discover Bank, its affiliates, and agents ("Discover") may call you, including texts, about any current or future accounts or applications, with respect to all products you have with Discover at any phone number you provide. In addition, you agree Discover may contact you using an automatic dialer or pre-recorded voice message. Message and Data rates may apply. Click here for text terms and conditions and our privacy policy. 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. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of Month Date, YYYY, 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 19850-5410. Please allow 30 days for us to process your application.

CREDIT LINE: Applicants may not request a specific credit line. If you are approved, your credit line will be at least $500 and along with other terms of the account, will be based on a review of the information you provide in this application and your consumer report; it may also include other information we may have bearing on your creditworthiness. Balance transfers made with an application are not considered to be a request for a particular credit line.

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. 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: For more information call us at 1-800-347-3085. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative 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 19850-5410.

REWARDS: We will send full terms and conditions with your card. You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. Gas Stations affiliated with supermarkets and supercenters may not be eligible. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Certain digital wallet transactions qualify for 2% Cashback Bonus, for more information see Discover.com/digitalwallets. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. 2% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover Card does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Only purchases made from merchants located in the United States are eligible for 2% Cashback Bonus. In order for a purchase to qualify for the 2% Cashback Bonus Program, the transaction date must be before or on the last day of the offer or promotion. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

You can redeem rewards in any amount at any time. Rewards never expire. We will credit your account or send you a check with your Cashback Bonus balance if your account is closed or if you have not used your account within 18 months. You will not earn Cashback Bonus on cash advances, portion of purchases paid with rewards, balance transfers, transfers from Discover checking or other deposit accounts, illegal transactions or on any cash you receive in connection with a purchase at the point of sale through our Cash at Checkout feature. You may redeem your Cashback Bonus in any amount starting with 1 cent for a credit to your account, an electronic deposit to your bank account, a donation to select charities, or to pay with Cashback Bonus at select merchant(s). Visit Discover.com/paywithcashbackbonus for a list of current merchant(s). Starting with $5 Cashback Bonus, you may redeem for gift cards or instant eCertificates from our Partners.

Cashback Match: We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.

FICO® CREDIT SCORE TERMS: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

Discover® Identity Alerts: Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, Visit discover.com/freealerts.

FREE OVERNIGHT CARD REPLACEMENT: Free Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.