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Discover forces all websites to have this:
The new Discover it card is out to change the way people think about credit cards.
Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we wont increase your APR for paying late.*
Plus a Cashback ConcerigeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
Generous...5% cash back at restaurants and movies right now through March on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
Flexible...Choose your own due date and pay up to midnight ET online or by phone.
Human...talk to a real person any time with 100% U.S.-based service.
Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% - 18.99%.
Terms from the card's application page:
To be eligible for the Discover Student Credit Card you must be a college student. To determine whether you qualify for an account, we consider information bearing on your creditworthiness, including the information you provide in this application, which includes whether you are enrolled in a 4 year college or university, and your current consumer report. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. By providing your phone numbers on the application, you agree that Discover, its affiliates and agents, may call you at these numbers for service-related reasons. If this is a cell phone number you agree that we may contact you using a dialer for service-related reasons, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls according to your current plan. 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. residents 18 and older. To apply with a joint applicant, write to us at PO Box 15410, Wilmington, DE 19850-5410. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of November 30th, 2012, 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 19850-5410. Please allow 30 days for us to process your application.
CREDIT LINE: Applicants may not request a specific credit line. If you are approved, your credit line will be at least $500 and along with other terms of the account, will be based on a review of the information you provide in this application and your consumer report; it may also include other information we may have bearing on your creditworthiness. Balance transfers made with an application are not considered to be a request for a particular credit line.
CARDMEMBER AGREEMENT: You will receive a Cardmember Agreement with the Card. You agree that the Cardmember Agreement and the account are governed by Delaware and federal law. The terms of your account, including rates and fees, are subject to change, to the extent permitted by law. 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. 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 (877) 226-5697 for a comparative list of credit card rates, fees and grace period. 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 19850-5410.
REWARDS: We will send full terms and conditions with your card. Each quarterly 5% program has a cap on category purchases and you must sign up for each program. The amount of the cap may change. 5% category purchases over the quarterly cap, and all other purchases, earn a full 1% cash back. Click here to see the current 5% program details.
