Interest Rates and Interest Charges
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 15.99% to 24.99% 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 February 10, 2023.
After the intro APR expires, your APR will be 15.99% to 24.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
27.99%
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
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 //www.consumerfinance.gov/learnmore.
Fees
Set-up And Maintenance FeesTransaction FeesBalance Transfer
Intro fee of 3% of the amount of each transfer for transfers that post to your account by February 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 FeesLate Payment
None the first time you pay late. After that, up to $41.
Returned Payment
Up to $41.
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.
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.
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.
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.
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.
You will receive a $50 Statement Credit after making a purchase within three months of account opening. You must apply through your friend's referral link and be approved by December 31, 2022 in order to be eligible for the $50 Statement Credit offer. Offer may not be combined with any other introductory offer. Promotional award will be applied within 8 weeks.
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.