Cash Back Credit Cards
Purchase APR: x% intro rate for x months, then x% variable to x% variable. Balance Transfer APR: x% intro rate for x months, then Purchase APR applies. Cash Advance APR: x% variable. Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: x% Intro fee of the amount transferred; x% fee for future transfers. Annual Fee: None. Rates as of .
Cashback Match: We’ll match all the cash back you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You earn cash back only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; or rewards transfers from Discover checking or other deposit accounts. Your account must be open and in good standing to receive your Cashback Match. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
Acceptance: According to the Feb 2025 issue of the Nilson Report.
Rewards Redemption: If your account is closed, we will send you a check or credit your account with your rewards balance; we reserve the right to determine the method to disburse your rewards balance. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Rewards redeemed for gift cards require a minimum amount to redeem.
Discover® Identity Alerts (Alerts) currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of the dark web known for revealing personal information and an alert if your Social Security number is found. Alerts are offered by Discover, a division of Capital One, N.A., (Discover) at no cost, are available only online, and do not impact your credit score. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security number, and an email address on file. This benefit may change or end in the future. Discover is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
Freeze your account: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity may continue including merchant initiated or merchant-indicated recurring transactions, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.
You are not eligible to access your card number or use your card if (1) if you are not approved for a new account; (2) your application requires additional verification; (3) you request a balance transfer with your application; (4) if you are applying for a second Discover credit card or for a Discover it® Secured credit card; (5) you apply during a system maintenance update window; (6) there are any technical difficulties experienced during application processing; or (7) you do not meet our risk eligibility criteria.
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