*DEFAULT RATE: If you fail twice to make a required payment when due or if you exceed your account credit limit twice, any introductory/special rates terminate. Your purchase APR and cash advance APR will also be increased to the Default Rate. If your cash advance APR exceeds the Default Rate, it will not be changed. 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 your 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 January 31, 2008. 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 only be used to transfer commercial balances or pay business expenses, and may not be used to pay any Discover Card Accounts. Balance transfers do not earn a Cashback Bonus®. Balance transfer requests will be processed from the lowest to the highest dollar amount. If a balance transfer transaction would cause you to exceed your account credit limit, you authorize us to process your balance transfers for an amount less than the full amount requested. Making additional transactions may still cause you to exceed your account 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 overlimit, any introductory/special rates will terminate and the Default Rate will apply.

PAYMENT ALLOCATION: We apply payments and credits 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 that are subject to 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 and your business such as street address and taxpayer ID number in order to verify your identity. You authorize us to obtain business and consumer credit reports in considering this application. 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. You must be 18 or older to be approved. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Any notices relating to this application or the account will be effective if sent to the business mailing address.

CARDMEMBER AGREEMENT: The Card may only be used for business purposes. You agree, individually and jointly with the business, 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. Except for any introductory/special APR offers, the terms of your account, including rates and fees, are subject to change.

Purchasechecks: If you use a Purchasecheck to purchase or lease goods or services from a merchant, and you provide the merchant address in the space indicated on the check, the transaction will qualify as a purchase under the Cardmember Agreement. Any other use, including payments for rent, other loans, or payroll, or payments to a financial institution, will be treated as a cash advance, subject to the cash advance APR and Cash Advance Transaction Fee. Qualified merchant purchases will accrue a fixed Cashback Bonus of .25% (.0025) of the amount of the purchases, and will be included in the total amount of purchases made during the anniversary year to determine the applicable percentage rate for your Purchase Cashback Bonus.

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. 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.

REWARDS: Earn unlimited cash rewards on all purchases. Each year, earn a full 5% on your first $2,000 in office supply purchases and a full 2% on your first $2,000 in gas purchases. In addition, earn a full 1% on all other purchases after your total annual purchases (including office supply and gas) exceed $5,000; other purchases that are part of your first $5,000 earn .25%. Office supply purchases in excess of $2,000 and gas purchases in excess of $2,000 earn Cashback Bonus at the same rate as other purchases. Gas and office supply purchases are those made at merchants we classify as gas stations and at office supply stores, respectively. Purchases made at select warehouse clubs, discount stores and their affiliates earn .25%. Rewards are redeemable in $20 increments. Full terms and conditions will be sent with your Card.

Discover® Business Card Application