0% intro APR for 12 months from date of account opening.
After the intro APR expires, your APR will be 14.74% to 22.74% , based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
14.74% to 22.74% based on your creditworthiness and other factors.
This APR will vary with the market based on the Prime Rate.
This APR will vary with the market based on the Prime Rate.
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.
If you are charged interest, the charge will never be less than $0.50.
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.
We use a method called "daily balance (including new transactions)."
We calculate variable rates based on the Prime Rate by using the highest U.S. Prime Rate listed in The Wall Street Journal on the last business day of the month. For the purchase APR, we add from 9.74% to 17.74% to the Prime Rate based on your creditworthiness and other factors. When we evaluate creditworthiness, we consider your credit report, all the information you provided and other information. 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 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. 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.
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 and record certain information about you and your business such as street address and taxpayer ID number in order to verify your identity. You are responsible for notifying us of any changes to your information or your business's information that you provide as part of your application. You authorize us to obtain business and consumer credit reports and other information about you in considering this application and for review, renewal, change in credit limit, collection or other legitimate purposes associated with your Account. You agree Discover Bank, its affiliates, and agents ("Discover") may call you and the business (including any authorized employees), 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. 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. You must be a U.S. resident and 18 years or older to be approved. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Any notices relating to this application or the Account will be effective if sent to the business mailing address. If we are unable to verify the business address all notices will be effective when sent to the residential address. Terms of this offer, including fees and calculation of variable rates, are accurate as of September 30, 2019, 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. 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 factors. Balance transfers made with an application are not considered to be a request for a particular credit line.
All cards and checks will be used solely for business purposes and not for personal, family, or household purposes. You agree to be individually and jointly liable with the business for payment of all balances incurred on all cards (including those issued to authorized employees) and accounts issued pursuant to this application or whenever such additional accounts may be established in the future, to be bound by the terms of the Cardmember Agreement and any future revisions thereof, which will be sent 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. You certify that you have the authority to permit us to issue credit cards containing the business name. You acknowledge that any authorized employees are duly employed by the business as of the date a credit card is requested for that authorized employee.
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 1-888-347-2683. 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.
We will send you full terms and conditions with your card. You can redeem rewards in any amount at any time. Rewards never expire. We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used your account within 18 months.
You will earn unlimited 1.5% Cashback Bonus on all purchases. At the end of each billing period, we calculate your Cashback Bonus by multiplying purchases by 1.5% (.015).
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, or a donation to select charities. Starting with $20, you may redeem for gift cards or instant eCertificates from our Partners.
It is your responsibility to notify us in the event you do not receive a reward. Redemption may not be available for approximately 24-48 hours if your card is lost or stolen.
You will not earn Cashback Bonus on cash advances, balance transfers, illegal transactions or on any cash you receive in connection with a purchase at the point of sale through our Cash at Checkout feature. For full details about your rewards, call 1-888-347-2683.
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. 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 the 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.
No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
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.
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 are 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 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.