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| Card Highlights: |
| Card Category: |
Consumer |
| Card Type: |
Unsecured |
| Required Credit Rating: |
Excellent / Good |
| Issuing Country: |
United States |
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| Available Rewards: |
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For explanation of each icon click here
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| About: |
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.±
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.±
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com.
- Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report).
- 24/7 access to a U.S. - based Account Manager within 60 seconds.
- $0 Fraud Liability plus mobile and email fraud alert options.
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee.
- ±Click apply to view rates, fees, rewards, limitations and other important information.
- Unlimited cash rewards that never expire.
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
- Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash.
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| Credit Card Rates |
| Purchases: |
Introductory APR: |
0% |
Introductory Period: |
15 months |
Ongoing APR: |
10.99% -
20.99%± Variable |
Default APR: |
Up to 25.99%21 |
Minimum Grace Period: |
25 days |
Minimum Finance
Charge: |
$0.50 |
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| Balance Transfers: |
Introductory APR: |
0% |
Introductory Period: |
15 months |
Ongoing APR: |
10.99% -
20.99%± Variable |
Default APR: |
Up to 25.99%21 |
Minimum Grace Period: |
n/a |
Minimum Finance
Charge: |
$0.50 |
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| Cash Advances: |
Introductory APR: |
n/a |
Introductory Period: |
n/a |
Ongoing APR: |
23.99% |
Default APR: |
see site |
Minimum Grace Period: |
n/a |
Minimum Finance
Charge: |
$0.50 |
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| Credit Card Transaction Fees |
| Balance Transfer Fees: |
Minimum: |
n/a |
Fee Rate: |
3%± |
Maximum: |
n/a |
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| Cash Advance Fees: |
Minimum: |
$10 |
Fee Rate: |
5% |
Maximum: |
n/a |
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| Foreign Transaction Fees: |
Minimum: |
n/a |
Fee Rate: |
n/a |
Maximum: |
n/a |
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| Credit Card Other Fees |
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| Penalty Fees: |
Late Payment Fee: |
Up to $35 |
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21 The default APR for purchases and balance transfers may vary monthly and equals the Prime Rate + an amount between up to 12.74% and up to 22.74%.