| BASICS |
| APR (Interest Rate) | 11.99% - 19.99%var* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | 0% until the last day of the billing period ending during July 2010. |
| Annual Fee | $ 0 |
| Grace Period | 25 days |
| FEES |
| Late Fee | $19 on balances up to $250 and $39 on balances over $250. |
| Over-the-limit Fee | $15 on balances up to $500, and $39 on balances over $500; effective February 1, 2010, we will not charge an overlimit fee. |
| Currency Conversion Fee | Foreign Currency Transaction Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. |
| CARD FEATURES |
| Customized Terms | * This credit card offers customized terms. Details:
Your Default Rates are determined based on factors such as your current purchase APR, your payment history with us and your general credit history.
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| Travel Rewards | N/A |
| Cash Rebate |
- Get 5% Cashback Bonus on gas and auto maintenance purchase.
- Up to 1% unlimited Cashback Bonus on all other purchases automatically.
- 5% to 20% Cashback Bonus through their exclusive online shopping site.
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| Gas Rebate |
- Full 5% Cashback Bonus on your first $100 in gas and auto maintenance purchases each month automatically.
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| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer | 0.0% for 6 billing periods from the date of account opening for balance transfers made with your application. Balance Transfer Transaction Fee: 3.00% for each balance transfer made under this offer with a minimum of $0. |
| Cash Advance | The APR for cash advances is 23.99%.
Fee: 3% for each cash advance, with a minimum of $5 and no maximum. |
| Default APR | The APR for default is 29.99%.
• The default APR may vary monthly and equals the Prime Rate + up to 27.99%, but such rate will never exceed 29.99%.
• If you are late making a payment or your account is overlimit twice, we may increase your APRs to the Default Rate. |
| Other Features | Instant Decision |
| Card Description | • Double Cashback Bonus at any gas station and any restaurant
• 5% to 20% Cashback Bonus at top retailers through our online shopping mall
• Up to 1% unlimited Cashback Bonus at top retailers through our online shopping mall
• Redeem for Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
• Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
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