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Discover More Card $75 Cashback Bonus When you make $500 in purchases in your first 3 months.
5% Cashback Bonus in popular categories.
$0 Annual Fee
How We Will Calculate Your Balance:
We use a method called "daily balance (including current transactions)."
Loss of Introductory APR:
We may end the availability of any introductory APR on new transactions and apply
the Penalty APR to new transactions if you make a late payment.
Prime Rate:
We use the highest prime rate listed in The Wall Street Journal on the last
business day of the month.
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. If you request multiple balance transfers, we will
process them in the order they are requested on the application. You understand that if your
application is approved, 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 line available for balance transfers. Making additional transactions may cause you to
exceed your credit line. You may only make balance transfers to accounts that list you as an
accountholder. There is no grace period on balance transfers. We will increase your minimum
payment due by $40 if you have a balance transfer balance.
PAYMENT ALLOCATION:
To the extent your payments exceed the minimum payment due each billing period, we will
generally apply these excess amounts to balances with high APRs prior to balances with low
APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner
most favorable or convenient for us.
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. 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. Terms of this offer, including fees and calculations of variable rates, are
accurate as of the printing date of Month Year, 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.
To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943.
Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER
SUPERSEDES ALL PRIOR OFFERS.
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. For restrictions and details, write to us at PO Box 15192,
Wilmington, DE 19886-1020.
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 (800) 518-8866 for a comparative list of 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 19886-0820.
REWARDS:
Earn cash rewards on all your purchases. Full terms and conditions will be sent with your card.
Up to 1% Cashback Bonus
- Automatically earn 1% unlimited Cashback Bonus on purchases after your total annual
purchases exceed $3000; purchases that are part of your first $3000 earn .25%. Warehouse
purchases (those made at select warehouse clubs, discount stores and their affiliates) earn
.25%. 5% Cashback Bonus program
- Earn 5% Cashback Bonus on category purchases up to the total purchase dollar amount
specified in each program. You must sign up for each 5% program. Category purchases in excess
of the specified amounts will automatically earn up to 1% Cashback Bonus. Warehouse
purchases and category purchases are not included in determining your total annual purchases
eligible to earn 1% Cashback Bonus. Rewards have no expiration date; however, if your
account is closed for any reason or inactive for 18 consecutive months or if you fail to make
the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your
Cashback Bonus will be forfeited.
Click here
to see the current 5% program details.
Earn unlimited cash rewards on all purchases. Earn a full 2% Cashback Bonus on your
first $250 in combined gas and restaurant purchases each billing period. In addition, earn a
full 1% unlimited Cashback Bonus on all other purchases after your total annual
purchases exceed $3,000; other purchases that are part of your first $3,000 earn .25%.
Combined gas and restaurant purchases in excess of $250 each billing period earn Cashback
Bonus at the same rate as other purchases. Gas and restaurant purchases are those made
at merchants we classify as gas stations and at merchants classified as full-service
restaurants, cafes, cafeterias and fast food locations. Purchases coded for a category other
than those listed above will not qualify. Warehouse purchases (those made at select warehouse
clubs, discount stores and their affiliates) earn .25%. We do not include warehouse purchases
or your first $250 in combined gas and restaurants purchases each month in calculating your
total annual purchases to determine your tier level. Rewards are redeemable starting at $20.
Rewards have no expiration date; however, if your account is closed for any reason or inactive
for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due
Date for two consecutive billing periods, your Cashback Bonus will be forfeited.
Full terms and conditions will be sent 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 purchases, including combined annual travel and restaurant purchases in
excess of $3,000. Travel purchases are those made on airline tickets, hotel rooms, car rentals,
cruises, tour operators and vacation packages purchased through travel agents, including online
purchases. Restaurant purchases are those made at merchants classified as full-service
restaurants, cafes, cafeterias and fast food locations. If a purchase is coded for a category
other than those listed above, it will not qualify. Miles have no expiration date; however,
if your account is closed for any reason or inactive for 18 consecutive months or if you fail
to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods,
your Miles will be forfeited. Full terms and conditions, including redemption information, will
be sent with your card.
Earn unlimited cash rewards. Each time you pay at least the Minimum Payment Due by the Payment
Due Date for six consecutive billing periods, you will earn a Pay-On-Time Bonus equal to the
Periodic Finance Charges shown on your next statement. In addition, earn a full 1% unlimited
Cashback Bonus on all purchases after your total annual purchases exceed $3,000; other
purchases that are part of your first $3,000 earn .25%. Warehouse purchases (those made at select
warehouse clubs, discount stores and their affiliates) earn .25%. We do not include warehouse
purchases in calculating your total annual purchases to determine your tier level. Rewards are
redeemable starting at $20. Rewards have no expiration date; however, if your account is closed
for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due
by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be
forfeited. Full terms and conditions will be sent with your card.
Earn unlimited Miles on all purchases. Earn 2 Miles for each dollar you spend on all purchases.
Miles have no expiration date; however, if your account is closed for any reason or inactive for 18
consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two
consecutive billing periods, your Miles will be forfeited. Full terms and conditions, including
redemption information, will be sent with your card.
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