Specifics

• Introductory Rate: 0% Intro APR*
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): 10.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 23.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 25 Days (Min.)
• Minimum Credit Limit: $5,000
• Maximum Credit Limit: up to $50,000
• Late Payment Fee: $19 on balances up to $250; $39 on balances over $250
• Over-The-Limit Fee: $15 on balances up to $500; $39 on balances over $500
• Cash Advance Fee: 3%, $5 minimum
• Balance Transfer Fee: 3% for each balance transfer made under this offer, with a minimum of $10 and a maximum of $75

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.) (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for those with very good credit who want a cash reward card. Earn 5% Cashback Bonus® in rotating categories like home, gas, restaurants, travel, movies, etc. Earn up to 1% Cashback Bonus® on all other purchases. Earn double Cashback Bonus® for using your rebate for gift certificates from Discover Card Partners. Earn unlimited rebates each year. Uses the "Two-Cycles Average Daily Balance" method for finance charges. This is typically more costly. Benefits include up to $500,000 in travel accident insurance, and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month. Last Modified Date: 11/11/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Up to $500,000 in travel accident insurance.
Auto rental insurance.
No liability for unauthorized transactions.
Fraud and security protection services.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
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Important Notations

*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.