| 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 April 2010. |
| 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. |
| 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.
|
| 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% - 19.99%.
* • 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 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%.
• 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 | • Put more green in your wallet with the
Biodegradable Discover More Card. New biodegradable card plastic breaks
down 99% within five years in landfill conditions and leaves no toxic effects
behind.
• No annual fee.
• Choose your card design.
|
