"Biodegradable Discover® More Card"
issued by Discover Card
BASICS
APR (Interest Rate)
11.99% - 20.99%var*
APR Computation Method
Average Daily Balance Including New Purchases
Intro APR
0.00% for 6 months.
Annual Fee
$ 0
Grace Period
25 days
FEES
Account Setup Fee
$ 0
Other (one-time) Fees
$ 0
Other Fees Annualized
$ 0
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.
FEES
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.
Travel Rewards
N/A
Cash Rebate
- Earn unlimited cash rewards on all purchases.
- 5% Cashback Bonus on popular category purchases.
- Up to 1% on all other purchases.
Gas Rebate
N/A
Shopping Rewards
N/A
Hotel Rewards
N/A
Balance Transfer
The intro APR for balance transfers is 0.00% for 6 months. After the intro period, the rate will be as low as 11.99% - 20.99%.
* • 0.0% for 6 billing periods from the date of account opening, then the standard APR purchases.
• Balance Transfer Transaction Fee: 3.0% for each balance transfer made with this application, thereafter,
other offers may have a fee of up to 5%, with a $10 minimum and no maximum.
Cash Advance
The APR for cash advances is 23.99%.
Transaction Fee: 3% for each cash advance, with a minimum of $5 and no maximum; effective January 1, 2010, 5% for each cash advance,
with a minimum of $10 and no maximum.
Default APR
The default APR is 29.99%.
• Effective January 1, 2010, up to 16.99% variable and up to 23.99% variable for purchases; up to 28.99% variable for cash advances.
• If you are late making a payment, any introductory/promotional rates will end and we may increase all your APRs to a Default Rate.
Effective January 1, 2010, each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the
availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates.
Other Features
Instant Decision
Card Description
• 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
• 5% Cashback BonusŪ in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
• Up to 1% unlimited Cashback Bonus on all other purchases
• No Annual Fee
Reasonable efforts are made to maintain accurate information. However,
the information on the cards' rates and terms is presented without warranty.
When you click on the "apply online" link you will have an opportunity to
review the credit card terms and conditions on the credit card issuer's web site.
