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 Cashback Bonus® reward card. Earn 5% Cashback Bonus® in categories such as restaurants, travel, movies and gas. Earn up to 1% on general purchases; earn .25% on purchases made at discount stores and select warehouse clubs. Spend up to $1,500 on general purchases and receive a .25% rebate. Spend between $1,500 and $3,000 and earn a .5% rebate, over $3,000 will earn a 1% rebate. Earn double Cashback Bonus® when you redeem points for rebates with Discover Card partners. Earn unlimited rebates. Rebates do not expire as long as there is account activity within a 36-month period. Benefits include auto rental insurance, travel accident insurance, and fraud and security protection. This card is a good choice for those who will spend over $3,000 a year to get the full 1% rebate and will pay their balance in full each month. Last Modified Date: 8/19/2008 12:00:00 AM

Additional Perks

Various card designs to select from.
Various Internet account related services.
Emergency card replacement.
Auto rental insurance.
Fraud and security protection services.
Up to $500,000 in travel accident insurance.
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.