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Miles by Discover® Card
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Apply online for the
Miles by Discover® Card Application
The more you use your Discover Card, the more Cashback Bonus you get. Only Discover Card offers 5% Cashback Bonus on Get More purchases in popular categories that change four times each year like travel, apparel, gas, restaurants, movies and more.
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Miles by Discover® Card
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Miles by Discover® Card |
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- A Miles card with no annual fee!
- No blackout dates
- Double Miles on food and travel, up to $3,000 each year
- 1 Mile for every $1 you spend
- Unlimited Miles while your account is active
- 0% Intro APR*
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
6 Months* |
10.99%* |
None* |
Good |
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Miles by Discover® Card Application
Annual Percentage Rate ("APR") for Purchases 0% until the last day of the billing period ending during May 2008**; then the standard APR, an estimated rate between 10.99% and 17.99%* (see Variable Rate Information) Other APRs Balance Transfers: If requested with the Acceptance Form, 0% until the last day of the billing period ending during May 2008**; thereafter the standard APR for purchases
Default Rate: Between 15.99% and 28.99%, based on payment history
Cash Advances: 20.99% or 22.99% Variable Rate Information The standard purchase APR may vary monthly and equals the Prime Rate plus an amount between 2.74% and 9.74%. † 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 Two-cycle Average Daily Balance (including new purchases). Annual Fee: NONE Minimum Finance Charge: $.50 CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum of $5 and no maximum.
LATE FEES: $15 on balances up to $500, and $39 on balances over $500.
OVERLIMIT FEE: $15 on balances up to $500, and $39 on balances over $500.
* If you are late making a payment, we may increase your APRs to the 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.
**You agree that if your application for a Discover Card with a minimum credit limit of $5,000 and the APRs shown above is not approved, your application will also constitute your request for a Discover Card with the higher APRs shown above and a lower credit limit.
† 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 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, 2007. 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 transfer requests will be processed from the lowest to 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. Any introductory/special rates will terminate if you are late making a payment or your account is overlimit as discussed in the Default Rate section above and in the Cardmember Agreement. If you make a balance transfer with this application, there is no balance transfer transaction fee.
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 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. 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 U.S. citizens and permanent 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 2007 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.
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. EXCEPT FOR ANY INTRODUCTORY/SPECIAL OFFERS, the terms of your account, including rates and fees, are subject to change.
ARBITRATION: The Cardmember Agreement includes an arbitration provision that allows either of us to choose to resolve a claim or dispute relating to your Account by binding arbitration, in which case, neither of us will have the right to have that claim resolved by a judge or jury. You will have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card. For restrictions and additional information, see the Cardmember Agreement or write to us at PO Box 15192, Wilmington, DE 19886-1020.
OHIO RESIDENTS: The 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 the name and address of their spouse to: The Miles Card from Discover Card at PO Box 15410, Wilmington, DE 19886-0820.
REWARDS: Earn unlimited rewards on all purchases. Earn 2 Miles for each dollar you spend on your first $3,000 in annual travel and restaurant purchases. In addition, earn 1 Mile for each dollar you spend on all other purchases, including combined annual travel and restaurant purchases in excess of $3,000. Travel purchases are those made on airline tickets, hotel rooms, car rentals, cruises, tour operators and vacation packages purchased through travel agents, including online purchases. Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Miles have no expiration date; however, certain circumstances, such as account closure and inactivity for more than 36 months, will result in forfeiture of your Miles. Full terms and conditions, including redemption information, will be sent with your Card. Terms of 12,000 BONUS MILES OFFER: Earn, 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your account is opened, with a cap of 12,000 Bonus Miles. Bonus Miles will be applied within 8 weeks. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Promotional Miles will be applied within 8 weeks.
Miles by Discover® Card Application
Miles by Discover® Card Review
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