Annual Percentage Rate (APR) for Purchases
intro APR for 6 months from date of account opening.
After the intro APR expires, your APR will be
22.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
intro APR for 6 months from date of first
transfer, for transfers under this offer that post to your account
by September 10, 2022.
After the intro APR expires, your APR will be
based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies
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
Intro fee of
the amount of each transfer for transfers that post to your account
by September 10, 2022
with the 10.99% intro APR balance transfer offer described above.
After that, 5% of
the amount of each transfer.
$10 or 5% of the amount of each cash advance, whichever is greater.
None the first time you pay late. After that, up to $41.
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
9.74% to 18.74% to the Prime Rate based on your creditworthiness.
When we evaluate your 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
to the Prime Rate.
This offer applies to balance transfers that post to your account
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
not be used to pay any Discover accounts and do not earn rewards. You may transfer any amount, up to your
available for transfers, which may be less than your total credit line. If your balance transfer request
exceed your available credit, we will process your transfers for less than the amount requested, in the
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
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%
avoid interest on new purchases after you transfer a balance, you must pay all balances on your
including any balances you transfer under this offer, in full by the first payment due date.
See your Cardmember Agreement for details.
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.
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.
To be eligible for the Discover Student Credit Card you must be a college student. To determine whether you
qualify for an account, we consider information bearing on your creditworthiness, including the information
you provide in this application, which includes whether you are enrolled in 2 or 4 year college or university,
and your credit report.
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 may have a maximum of one Discover student credit card account. 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 and you are no longer a student.
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
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 June 30, 2022, 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.
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.
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.
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 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.
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.
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 begin 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. Gas Station purchases include those made at merchants
classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations
affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those
made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services.
Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last
day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships.
Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may
not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical
products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions
may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at
Discover.com/digitalwallets. See Cashback Bonus Program
® Terms and Conditions for more information.
You can redeem rewards in any amount at any time. Rewards never expire. We will credit your account or send you a check with
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.
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, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or
affiliated with this program.
® Credit Score Terms:
® 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
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
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
Offered by Discover Bank at no cost, only available online, and currently include the following
services: (a) daily monitoring of your Experian ® Identity Alerts: ® 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
FREE OVERNIGHT CARD REPLACEMENT:
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.