Annual Percentage Rate (APR) for Purchases
0%
intro APR for 6 months from date of account opening.
After the intro APR expires, your APR will be
17.24%
to
26.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
10.99%
intro APR for 6 months from date of first
transfer, for transfers under this offer that post to your account
by May 10, 2023.
After the intro APR expires, your APR will be 17.24%
to
26.24%
based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
29.24%
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
Transaction Fees
Balance Transfer
Intro fee of 3% of
the amount of each transfer for transfers that post to your account
by May 10, 2023
with the 10.99% 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 $41.
Returned Payment
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
21.74%
to the Prime Rate.
BALANCE TRANSFERS:
This offer applies to balance transfers that post to your account
by 5/10/2023.
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.
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 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.
Redeem your Cashback Bonus® – any amount, any time. Rewards never expire. We reserve the right to determine the method to disburse
your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it
within 18 months. You may redeem your Cashback Bonus in any amount, starting at a penny, for a Statement Credit to your Account, as an
Electronic Deposit to an eligible checking or savings account that you designate, as a charitable donation to select charities, or Pay with Cashback
Bonus at select merchant(s). Visit Discover.com/redeem for a list of current merchant(s). Redeem Cashback Bonus® for gift cards at popular
brands, starting at $5.
We may prevent you from redeeming your rewards based on your account status. Your Account must also not be used for any illegal transactions.
We apply security measures before clearing a redemption that may limit your ability to redeem in certain channels or result in a delay. All
redemptions are final. If your card is reported lost or stolen, you may not be able to earn or redeem rewards for approximately 24-48 hours.
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, the smile logo and all related marks are
trademarks of Amazon.com, Inc. 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:
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.
Online Privacy Protection:
Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. Approximately every 90 days we will scan for your online
personal information at 10 select people search sites and submit opt-out requests on your behalf. Types of personal information found on these sites will vary.
