Interest Rates and Interest Charges
Annual Percentage Rate (APR) For Purchases
APR for Balance Transfers
APR for Cash Advances
Penalty APR and When It Applies
Penalty APR and When It Applies

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

This APR may be applied to new purchases and balance transfers if you make a late payment.

How Long Will the Penalty APR Apply?: If your APRs for new purchases and balance transfers are increased for a late payment, the Penalty APR will apply indefinitely.

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 $.
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 http://www.consumerfinance.gov/learnmore.

Fees
Set-up and Maintenance Fees
  • Annual Fee
  • None
  • Account Set-up Fee
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty Fees
  • Late Payment
  • Returned Payment

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

LOSS OF INTRODUCTORY APR: We may end the availability of any intro APR on new purchases and balance transfers and apply the Penalty APR to those transactions if you make a late payment.

HOW WE CALCULATE AND DETERMINE RATES: 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.



BALANCE TRANSFERS:

BALANCE TRANSFER: Balance transfers are offered at our discretion.

BALANCE TRANSFERS:

INTRODUCTORY APR OFFERS: 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. We process multiple balance transfers in the order they are requested on the application. 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 available for balance transfers. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers.

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. By providing your phone numbers, you agree that Discover, its affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an automatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls according to your current plan. 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 , 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.

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. By providing your phone numbers, you agree that Discover, its affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an automatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls according to your current plan. 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 , 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.

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. By providing your phone numbers, you agree that Discover, its affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an automatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls according to your current plan. 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 , 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.

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. This offer is non-transferable. Changes to any addressee name will void this offer. Offer only available to U.S. residents 18 and older. 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. By providing your phone numbers, you agree that Discover, its affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an automatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls according to your current plan. 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. 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 , 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.

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 a 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. By providing your phone numbers, you agree that Discover, its affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an automatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls according to your current plan. 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 , 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: Call the New York State Banking Department at (877) 226-5697 for a comparative list of credit card rates, fees and grace period. 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.

Free 1 day Amazon.com Shipping Terms & Conditions:
Offer valid 8/1/12 - 9/15/12, or while promotional funds last. Amazon & Discover reserve the right to cancel or modify the offer at any time. Must use Discover card or Cashback Bonus for payment, select 1 Day shipping and enter promo code "DSCVRFSP"at Amazon.com checkout to qualify. The promotion applies only to qualifying Amazon.com items. If you do not purchase the items added to your Shopping Cart while the free shipping offer is in effect, you will not receive free shipping. This promotion does not apply to the same products sold by third-party merchants. Applies to qualifying products shipped to delivery addresses in the continental US only. Excludes Alaska and Hawaii. To view qualifying items and to see full promotion Terms & Conditions, go to www.amazon.com/DiscFreeShip. AMAZON.COM and the AMAZON.COM logo are trademarks of Amazon.com, Inc. or its affiliates.

Free Shipping Summary Terms and Conditions.
Promotion valid 11/1/12-12/15/12 or while promotional funds last. Amazon & Discover reserve the right to cancel or modify the promotion at any time. Must use Discover card or Cashback Bonus for payment, select One-Day Shipping and enter promo code "DSCVRHSP" at Amazon.com checkout to qualify. The promotion applies only to qualifying items sold and shipped by Amazon.com. This promotion does not apply to the same items sold by third-party merchants. If you do not purchase the qualifying items added to your Shopping Cart while the free shipping offer is in effect, you will not receive the free shipping. Applies to qualifying items shipped to delivery addresses in the continental US only. Excludes Alaska and Hawaii. To view qualifying items and to see full promotion Terms & Conditions, go to www.amazon.com/DiscFreeShip. AMAZON.COM and the AMAZON.COM logo are trademarks of Amazon.com, Inc. or its affiliates.

Get a $75 Amazon.com Gift Card when you are approved for a Discover it card and make your first purchase within 3 months of approval. Offer only available to new cardmembers. Offer not available to college students. Gift card will be sent within 8 weeks after first purchase. One gift card per account.
Amazon.com is not a sponsor of this promotion. Except as required by law, Amazon.com Gift Cards ("GCs") cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods on Amazon.com or certain of its affiliated websites. Amazon is not responsible if a GC is lost, stolen, destroyed or used without permission. For complete terms and conditions, see www.amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation.

REWARDS: We will send full terms and conditions with your card. Earn 5% Cashback Bonus on category purchases up to the quarterly maximum. You must sign up for each 5% program. Earn .25% Cashback Bonus® on your first $3000 in annual purchases and on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates. Earn 1% on purchases over $3000. 5% category purchases over the quarterly cap earn up to 1% Cashback Bonus. Click here to see the current 5% program details. We will send full terms and conditions with your card. Each quarterly 5% program has a cap on category purchases and you must sign up for each program. The amount of the cap may change. 5% category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Click here to see the current 5% program details. We will send full terms and conditions with your card. Earn .25% Cashback Bonus® on your first $3000 in annual purchases and on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates. Earn 1% on purchases over $3000. Each quarterly 5% program has a cap on category purchases. The amount of the cap may change. 5% category purchases over the quarterly cap earn up to 1% Cashback Bonus®. Warehouse and 5% category purchases do not count towards your first $3000. Click here to see the current 5% program details. We will send full terms and conditions with your card. Earn a full 2% Cashback Bonus® on your first $250 in combined gas and restaurant purchases each billing period. Earn .25% Cashback Bonus® on your first $3,000 in annual purchases and on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates. Earn 1% on purchases over $3,000. Gas and restaurant purchases are those made at merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast-food locations. Purchases coded in categories other than these will not qualify. Click here for more details. We will send full terms and conditions with your card. Earn Miles on all purchases. Earn 2 Miles for each dollar you spend on your first $3,000 in combined travel and restaurant purchases each year. In addition, earn 1 Mile for each dollar you spend on all other purchase, including combined annual travel and restaurant purchases in excess of $3,000. Eligible purchases for travel include those made directly with travel agencies, online travel websites or booked direct with airlines, hotels, cruise lines or car rental agencies. Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Click here for more details. We will send full terms and conditions with your card. Each time you pay at least the Minimum Payment Due by the Payment Due Date (an on-time payment) for each billing period in which there is a required payment, you may earn additional Cashback Bonus® equal to 5% of the Interest Charges shown on your next billing statement in the Interest Charge Calculation section. The Interest Charges will depend on your current balance, APRs and payments. Also, earn .25% Cashback Bonus® on your first $3,000 in annual purchases and on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates. Earn 1% on purchases over $3,000. Click here for more details. We will send full terms and conditions with your card. Earn unlimited Double Miles on every purchase. Earn 2 Miles for each dollar you spend on all purchases. Click here for more details. We will send full terms and conditions with your card. Earn 5% Cashback Bonus on category purchases up to the quarterly maximum. You must sign up for each 5% program. Earn .25% Cashback Bonus® on your first $3000 in annual purchases and on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates. Earn 1% on purchases over $3000. 5% category purchases over the quarterly cap earn up to 1% Cashback Bonus. Click here to see the current 5% program details. We will send full terms and conditions with your card. Earn .25% Cashback Bonus® on your first $3000 in annual purchases and on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates. Earn 1% on purchases over $3000. Each quarterly 5% program has a cap on category purchases. The amount of the cap may change. 5% category purchases over the quarterly cap earn up to 1% Cashback Bonus. Warehouse and 5% category purchases do not count towards your first $3000. Click here to see the current 5% program details. We will send full terms and conditions with your card. Earn 5% Cashback Bonus on category purchases up to the quarterly maximum. You must sign up for each 5% program. Earn .25% Cashback Bonus® on your first $3000 in annual purchases and on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates. Earn 1% on purchases over $3000. 5% category purchases over the quarterly cap earn up to 1% Cashback Bonus. Click here to see the current 5% program details. We will send full terms and conditions with your card. Earn Miles on all purchases. Earn 2 Miles for each dollar you spend on your first $3,000 in combined travel and restaurant purchases each year. In addition, earn 1 Mile for each dollar you spend on all other purchase, including combined annual travel and restaurant purchases in excess of $3,000. Eligible purchases for travel include those made directly with travel agencies, online travel websites or booked direct with airlines, hotels, cruise lines or car rental agencies. Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Visit http://itpaystodiscover.com or call 1-800-DISCOVER for more details. We will send full terms and conditions with your card. Earn a full 2% Cashback Bonus® on your first $250 in combined gas and restaurant purchases each billing period. Earn .25% Cashback Bonus® on your first $3,000 in annual purchases and on all warehouse purchases made at warehouse clubs, wholesale distributors, discount stores and their affiliates. Earn 1% on purchases over $3,000. Gas and restaurant purchases are those made at merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast-food locations. Purchases coded in categories other than these will not qualify. Visit http://itpaystodiscover.com or call 1-800- DISCOVER for more details.

TERMS OF 12,000 BONUS MILES OFFER: Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your account is opened, with a cap of 12,000 Bonus Miles. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Promotional Miles will be applied within 8 weeks.

TERMS OF 25,000 BONUS MILES OFFER: Earn 1,000 Bonus Miles each calendar month you make a purchase for 25 months from the date your account is opened, with a cap of 25,000 Bonus Miles. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Promotional Miles will be applied within 8 weeks.


PRE-SCREEN & OPT-OUT NOTICE. This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, (888) 567-8688; visit www.optoutprescreen.com; or write: TransUnion Name Removal, PO Box 505, Woodlyn, PA 19094-0505; Equifax Options, PO Box 740123, Atlanta, GA 30374-0123; Experian Opt-Out, P.O. Box 919, Allen, TX 75013.
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