Discover Credit Card

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Discover® More Card Application
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Offer Valid for New Cardmembers Only
Please Tell Us About Yourself

* Required fields are marked with an asterisk

Name *
First Name *
Middle Name
Last Name *
Suffix
E-mail Address

(e.g., JLWebb@yahoo.com)

Used to confirm receipt of your application and to deliver
important information about your account and special offers.
Address *
Address 1 *

If you are a student, please enter your permanent address.
Address 2

Apartment/Suite i.e., #H-102

City *
State *
ZIP Code *
Home Telephone *
- -
Are you a student?
Yes! I am a full-time student.
School and Financial Information
School Information
School State *
School City *

Please select the city nearest to your School if your
School City is unavailable.
School Name *
Other School Name *
Current Class Level *
Expected Graduation Date *
Month 20
Year
Address When You Are At School
Same Address as Above
Address at School *
Address 1 *
Address 2

Apartment/Suite i.e., #H-102

City *
State *
Zip *
Telephone at School *
- -
Financial Information
Do you have a Checking or Debit Account? *
Yes
No
Do you have a Savings, IRA, or Money Market Account? *
Yes
No

Small Business Owner?
Apply for a Discover Business Card
Employment and Financial Information
Employment Status *
Employment Information
Employer Name*

If you do not work for a company, type in self-employed
Occupation *
Other Occupation
Length of
Employment *
Years Months (if less than 1 year)
Business Telephone *
- -
Financial Information
Annual Household Income* $
Housing Status *
$ Monthly Housing Payment *

Round to the nearest $100
Length of Time at Current Residence *
Years Months (if less than 1 year)
Do you have a Checking or Debit Account? *
Yes
No
Do you have a Savings, IRA, or Money Market Account? *
Yes
No
Please Choose a Card Design

*
*
*

Select a different design
Additional Card Information
YES! I would like to authorize an additional user for this account and request a FREE additional card with his/her name.

Enter the name as you would like it to appear on the additional card.
Name *
First Name *
MI
Last Name *
Transfer a Balance
YES! I want to transfer a balance to this Discover Card

Save money by transferring balances from high interest rate credit cards and loans to your new Discover Card. If you chose to Transfer Balances, information will be requested on the next page.
Security InformationWhy we need this
Date of Birth *
19
Social Security Number *
- -
Mother's
Maiden Name *

Last name only
Submit Application

Before submitting your application read and agree to the Important Information below the Submit button. The Important Information contains the card's rates, fees, rewards, and other important information.

Please click the Submit button only ONCE. It may take a few seconds to process your submission.
Important Information

I understand that my credit line, if any, will be set after you have reviewed my financial information. I certify that I am 18 years of age or older and a U.S. resident and that the information I have provided is accurate. If I am not approved, I want to be considered for other Discover® Network credit cards offered by your lending partners and agree that you may provide my application information to those partners on a one-time basis for that purpose only (except where prohibited by law). The e-mail address provided above will be used to confirm receipt of your application and to deliver important account information and relevant Discover Card offers.
Print Important Information
Annual Percentage Rate (APR) For Purchases
0.0% until the last day of the billing period ending during November 2009;* then the standard APR, a rate between 10.99% variable and 18.99% variable
Other APRs
Balance Transfers:
Offer A : 0.0% until the last day of the billing period ending during May 2010;* then the standard APR for purchases
Cash Advances: 23.99% variable
Default Rate: Up to 29.99%* variable
Variable Rate Information
The standard purchase APR may vary monthly and equals the Prime Rate plus an amount between 7.74% and 15.74%. The cash advance APR may vary monthly and equals the Prime Rate +20.74%.†
The default APR may vary monthly and equals the Prime Rate + up to 27.99%, but such rate will never exceed 29.99%.
Grace Period for Repayment of the Balance of Purchases
At least 25 days when you pay your balance in full each month
Method of Computing the Balance for Purchases
Average Daily Balance (including new purchases)
Foreign Currency Transaction Fee
None for billing periods ending on or before May 1, 2009; 2% of the U.S. dollar amount of each purchase made in a foreign currency for billing periods ending after May 1, 2009.
Annual Fee
$0.00
Minimum Finance Charge
$0.50
Other Fees
BALANCE TRANSFER TRANSACTION FEES:
OFFER A : 3.0% for each balance transfer made under this offer, with a minimum of $0.
CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum of $5 and no maximum. LATE FEE: $19 on balances up to $250 and $39 on balances over $250. OVERLIMIT FEE: $15 on balances up to $500, and $39 on balances over $500.
* If you are late making a payment or your account is overlimit twice, we may increase your APRs to a Default Rate. Your Default Rates are determined based on factors such as your current purchase APR, your payment history with us and your general credit history. See Cardmember Agreement for details.

† The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month. Actual amount added will be based on our evaluation of your credit and will be disclosed with your Card.

INTRODUCTORY/SPECIAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until August 1, 2009. If you request balance transfers after this date, we will not make the balance transfers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them from lowest to highest dollar amount. You understand that if your application is approved, your credit limit may be less than the total amount of balance transfers requested, and you authorize us to process any balance transfer for less than the amount requested, up to your available credit. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. If you are late making a payment or your account is overlimit twice, any introductory/special rates will terminate and the Default Rate will apply. If more than 90% of your new balance consists of special rate balance transfers, we may increase your minimum payment due to a maximum of 4% of the new balance if it would otherwise be less than that. Each balance transfer made under this offer is subject to a balance transfer transaction fee as described above.

The following applies to each balance transfer offer: Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order in which you entered them. You understand that if your application is approved, your credit limit may be less than the total amount of balance transfers requested, and you authorize us to process any balance transfer for less than the amount requested, up to your available credit. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. If you are late making a payment or if your account is overlimit twice , any introductory/special rates will terminate and the Default Rate will apply. If more than 90% of your new balance consists of special rate balance transfers, we may increase your minimum payment due to a maximum of 4% of the new balance if it would otherwise be less than that. If there is a balance transfer transaction fee for this offer, it is described above.

PAYMENT ALLOCATION: We apply payments to balances with low introductory/special APRs (such as special balance transfer and purchase APRs) prior to balances with standard APRs. Therefore, your savings will be reduced by making additional transactions or having balances with standard APRs. In addition, the length of time the introductory/special APRs will apply to your account may be reduced by the amount of your payments.

APPLICATION INFORMATION: Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. You authorize us to obtain a consumer report from consumer reporting agencies in considering this application and for review, renewal, change in credit limit, collection or other legitimate purposes associated with your Account. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to US residents 18 and older. To apply with a joint applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every applicant, including a spouse, may apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculation of variable rates, are accurate as of March 2009 and may change after that date. To find out what may have changed after that date write to us at PO Box 15410, Wilmington, DE 19886-0820. Please allow 30 days for us to process your application.

Offer valid for new cardmembers only.

CARDMEMBER AGREEMENT: You agree to be bound by the terms of the Cardmember Agreement, which will be sent with the card. You also agree that the Cardmember Agreement and the account are governed by Delaware and federal law. The terms and conditions of your account, including rates and fees, are subject to change.

ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your card. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.

OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Call the New York State Banking Department at (800) 518-8866 for a comparative list of credit card rates, fees and grace periods. WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.

Our favorite credit card is the Discover credit card. The 5% cash reward is the highest cash back program rate available. You get a 5% cash back credit when you use it to buy travel, gas, groceries and restaurant meals. On all other purchases you earn 1% cash back. It is the most useful all around card.

Whatever credit card you decide to use, be sure to shop around.

REWARDS: Earn unlimited cash rewards on all purchases. Earn a full 5% Cashback Bonus on category purchases throughout the year by signing up for each program. In addition, for billing periods that end on or before June 1, 2009, earn a full 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $1,500 earn .25% and other purchases that are part of your second $1,500 earn .50%. For billing periods that end after June 1, 2009, earn a full 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $3,000 earn .25%. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. We do not include warehouse purchases or 5% Cashback Bonus program purchases (up to the dollar limit specified in each applicable program) in calculating your total annual purchases to determine your tier level. Rewards are redeemable starting at $20. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Full terms and conditions will be sent with your card.

INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.

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Offer Valid for New Cardmembers Only
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