PrdID Credit Card Name Credit Card Issuer Credit Quality Credit Type Market Segment Card Type Intro Rate Purchase Time Period Purchase APR for Purchases Fixed/Variable Intro Rate BT Time Period BT APR for BT Fixed/Variable for BT APR for Cash Advances Fixed/Variable for Cash Advance Default APR Annual Fee Annual Fee Additional Available Rewards Grace Period Finance Charge Balance Transfer Fee Balance Transfer Fee Min Balance Transfer Fee Max Balance Transfer Fee Additional Cash Advance Fee Cash Advance Fee Min Cash Advance Fee Max Cash Advance Fee Additional Foreign Exchange Fee Foreign Exchange Fee Min Foreign Exchange Fee Max Foreign Exchange Fee Additional Setup Fee Late Payment Credit Limit (Minimum) Credit Limit (Maximum) Over-The-Limit Fee bullet1 bullet2 bullet3 bullet4 bullet5 bullet6 bullet7 bullet8 bullet9 bullet10 bullet11 bullet12 bullet13 ImageURL TrackingURL(credit card) TrackingURL(http://www.bestcreditrates.net) Terms and Conditions URL Commissions Category Special Offer Review 1712 Discover® Student Card - $20 Cashback Bonus Discover® Card fair unsecured student discover card 0% 6 months 12.99% variable 12.99% fixed 24.99% variable 23.99% $0 None. Cash Back Rewards 25 days $0.50 3% 3% of the amount of each transfer. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a Experience Discover´s great rewards program. Earn $20 Cashback Bonus®± when you make your 1st purchase within 3 months of approval. 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% - 18.99%.± 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you´ll earn 5% on up to the quarterly maximum.± Every single purchase automatically gets Cashback Bonus®. $0 Fraud Liability - you will not be responsible for unauthorized charges. No Annual Fee. Sign up to receive text and email alerts. ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_92083.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99067 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99054 See Website $4 Your Card Image,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,Fair Credit,Unsecured Cards,Gasoline Cards,Student Cards,Discover Card,Instant Approval,Zero Liability,Online Account Management,Cards by Restaurants,Build Credit,Car Rental Insurance,Travel Accident Insurance Earn $20 Cashback Bonus® when you make your 1st purchase within 3 months of approval. The Discover Student Card offers students enrolled in full time classes to enjoy the benefits of a credit card although they will likely have no credit history and no major source of income available to them. The card allows students to gain cashback rewards on their purchases when they participate in the Get More program offered through the company and also boasts a relatively low APR that will continue indefinitely over the course of the account being held. There is no annual fee for the Discover Student Card, however there are other fees that must be taken into consideration before the account is opened or used. Firstly, late fees and overlimit fees apply to the account so if you are late in making a payment or if you spend more than your credit limit you will be paying even more on top of the original debt and APR: late fees are $15 on any amount up to $500 and $39 on any amount that exceeds this. After the initial special offer period ends on December 1st, 2007, however, this fee will rise to $19 on amounts of up to $250 and $39 on anything above that. Overlimit fees are $15 on anything up to $500 and $39 for any amount over $500. The annual cash advance fee is 24.99% and the cash advance transaction fee (chargeable at each transaction) is 3% with a $5 minimum. The cashback rewards program works through the Get More initiative; essentially you need to stay aware of the different offers coming out from Discover if you want to keep track of any chances to earn yourself rewards. You will be able to earn 5% cashback on purchase and a further 1% on purchases when exceeding $3000. These rewards are redeemable in batches of $20. When you make regular monthly payments on the account and clear the debt each time, you will retain your grace period of 25 days; this means that your debts will not be subject to APR for a full 25 days so if you pay off the amount quickly you will not have to pay so much in interest as if you waited the full month. The advantages of this card are that it is available for students, its interest rate is relatively low and you have the opportunity to gain rewards back on purchases. The drawbacks are its plethora of fees, however if great care is taken with the account there may be no need for concern. 1691 Discover® More Card - 18 Month Promotional Balance Transfer Discover® Card excellent / good unsecured consumer discover card 0% 6 months 10.99% variable 0% 18 months 10.99% variable 24.99% variable 25.99% $0 None. Cash Back Rewards,Charity Rewards 25 days $0.50 3% Intro fee of 3% of the amount of each transfer for transfers that post to your account by 2/10/2012 with the 0% intro APR balance transfer offer described above. After that, either $10 or 5% of the amount of each transfer, whichever is greater. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%.± 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%.± Earn 5% cash back on up to $1,500 in purchases at Department Stores and on ALL online shopping through December. It´s free and easy to sign up. 5% Cashback Bonus in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. Signing up each time is free and easy.± Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com. Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report). 24/7 access to a U.S. - based Account Manager within 60 seconds. $0 Fraud Liability. You´re never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options. Great rewards with no annual fee, no rewards redemption fee, and no additional card fee. ±Click apply to view rates, fees, rewards, limitations and other important information. Unlimited cash rewards that never expire. Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners. Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_68914.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99065 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99052 See Website $70 Your Card Image,Credit Agencies Report,Entertainment Cards,Balance Transfers,Cards by Merchandise,Cash Back,No Annual Fee,0% on Purchases,0% on Balance Transfers,Unsecured Cards,Gasoline Cards,Good Credit,Charity Rewards,Discover Card,Instant Approval,Excellent Credit,Zero Liability,Online Account Management,Cards by Restaurants,Car Rental Insurance,Travel Accident Insurance,Cards by Gifts 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. 1685 Discover® Mix Tape Card Discover® Card fair unsecured student discover card 0% 9 months 12.99% variable 12.99% fixed 24.99% variable 23.99% $0 None. Cash Back Rewards 25 days $0.50 3% 3% of the amount of each transfer. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%.± 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you´ll earn 5% on up to the quarterly maximum.± Every single purchase automatically gets Cashback Bonus®. $0 Fraud Liability - you will not be responsible for unauthorized charges. No Annual Fee. Sign up to receive text and email alerts. ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_68158.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99064 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99051 See Website $4 Your Card Image,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,Fair Credit,Unsecured Cards,Gasoline Cards,Student Cards,Discover Card,Instant Approval,Zero Liability,Online Account Management,Cards by Restaurants,Build Credit,Car Rental Insurance,Travel Accident Insurance 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Up to 1% unlimited Cashback Bonus on everything else you buy. 1695 Discover® More Card Discover® Card excellent / good unsecured consumer discover card 0% 15 months 10.99% variable 0% 15 months 10.99% variable 24.99% variable 25.99% $0 None. Cash Back Rewards,Charity Rewards 25 days $0.50 3% Intro fee of 3% of the amount of each transfer for transfers that post to your account by 2/10/2012 with the 0% intro APR balance transfer offer described above. After that, either $10 or 5% of the amount of each transfer, whichever is greater. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.± Earn 5% cash back on up to $1,500 in purchases at Department Stores and on ALL online shopping through December. It´s free and easy to sign up. 5% Cashback Bonus in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. Signing up each time is free and easy.± Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com. Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report). 24/7 access to a U.S. - based Account Manager within 60 seconds. $0 Fraud Liability. You´re never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options. Great rewards with no annual fee, no rewards redemption fee, and no additional card fee. ±Click apply to view rates, fees, rewards, limitations and other important information. Unlimited cash rewards that never expire. Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners. Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_67952.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99066 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99053 See Website $70 Your Card Image,Credit Agencies Report,Entertainment Cards,Balance Transfers,Cards by Merchandise,Cash Back,No Annual Fee,0% on Purchases,0% on Balance Transfers,Unsecured Cards,Gasoline Cards,Good Credit,Charity Rewards,Discover Card,Instant Approval,Excellent Credit,Zero Liability,Online Account Management,Cards by Restaurants,Car Rental Insurance,Travel Accident Insurance,Cards by Gifts 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. 1639 Escape by Discover® Card Discover® Card excellent / good unsecured consumer discover card 0% 6 months 10.99% variable 0% 6 months 10.99% variable 24.99% variable 25.99% $60 $60.00 Miles Rewards 25 days $0.50 3% Intro fee of 3% of the amount of each transfer for transfers that post to your account by 2/10/2012 with the 0% intro APR balance transfer offer described above. After that, either $10 or 5% of the amount of each transfer, whichever is greater. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a Earn up to $250 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first 25 months. Double Miles on every $1 you spend. 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 20.99%.± No restrictions on travel - fly on any airline, book any hotel or car, with no blackout dates. Flexible redemption options like travel credits, merchandise, gift cards or cash. Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card. Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report). ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_56373.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99061 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99048 See Website $70 Credit Agencies Report,Balance Transfers,Cards by Merchandise,0% on Purchases,0% on Balance Transfers,Unsecured Cards,Miles,Good Credit,Cards by Airline,Cards by Hotel,Discover Card,Travel Cards,Instant Approval,Excellent Credit,Zero Liability,Car Rental Insurance,Travel Accident Insurance,Cards by Gifts,Cards by Car Rental Earn up to $250 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first 25 months. Double Miles on every $1 you spend. Discover offers a new Escape card with generous travel rewards designed for those who travel frequently or just want to use a credit card with bonuses. It is a unique card that combines cash rebates, alluring rewards and is rich in its options and features. Let's look at the perks this card offers in detail. Discover Escape comes with 0% APR on purchases and on balance transfer for 6 months. If you are going to transfer your balance from the higher rate plastic to this card and your credit history is excellent, Escape card is for you. You will pay no interest rate until the last day of the billing period and the standard purchase APR thereafter. Those, who are impatient to learn whether they are approved or not, have a great opportunity to get a fast response from the bank when applying for this credit card. They will receive the answer in 60 seconds. In contrast to other credit cards, Discover Escape card offers its holders an array of travel features, including primary car rental insurance, travel delay insurance, reimbursement for lost or damaged luggage, trip cancellation insurance and a lot more. So when you are going somewhere on vacation or a business trip, you don't have to worry about any unforeseen contingency - Discover has already taken care about everything thus enabling you to enjoy the trip. What's more, you have a great opportunity to book travel through any airline, travel agent or any online travel site and pay with the card. With Escape card from Discover you can travel anywhere, anytime and any airline you like and enjoy the convenience of the card along with generous bonuses and tempting travel rewards. Tempting, isn't it?The Escape card comes with impressive benefits and bonuses. The most attractive perk of the bank credit card is that it enables to earn 1,000 bonus miles each month you make purchases within 25 months. All in all, you can earn 25,000 bonus miles. In addition to the monthly bonus miles, you can get double miles for each dollar you spend on any purchases when using the Escape card. An alluring feature of these miles is that they have no expiration dates. They can be forfeited only in case if you fail to make minimum payment by the due date for two consecutive months or if your account is closed or inactive for 18 consecutive months. Moreover, if you prefer to make purchases online, feel free to shop on exclusive Discover shopping site and you can earn two additional miles for $1 spent. The more money is spent, the more miles are earned. All accumulated miles can be redeemed for travel credits to your accounts, gift cards from over 90 Discover partners or cash starting at 1,000 miles. If you grow interested in this exclusive credit card, feel free to apply and enjoy all these benefits Discover card offers you. 1460 Discover® Student Tropical Beach Card Discover® Card fair unsecured student discover card 0% 9 months 12.99% variable 12.99% fixed 24.99% variable 23.99% $0 None. Cash Back Rewards 25 days $0.50 3% 3% of the amount of each transfer. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%.± 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you´ll earn 5% on up to the quarterly maximum.± Every single purchase automatically gets Cashback Bonus®. $0 Fraud Liability - you will not be responsible for unauthorized charges. No Annual Fee. Sign up to receive text and email alerts. ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_3642.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99060 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99047 See Website $4 Your Card Image,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,Fair Credit,Unsecured Cards,Gasoline Cards,Student Cards,Discover Card,Instant Approval,Zero Liability,Online Account Management,Cards by Restaurants,Build Credit,Car Rental Insurance,Travel Accident Insurance 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Up to 1% unlimited Cashback Bonus on everything else you buy. You don't have to have a credit history a mile long in order to get a credit card that gives you great rewards. If you're a student who has an average credit history, or one that's a little limited, the Discover® Student Card ® Tropical Beach can get you the benefits you want and help you on your way to a great credit history in the process. Every time you use your Discover® Student Card ® Tropical Beach to spend some money, you'll be getting a little back. This card's cash rewards program allows you to earn a 5% rebate on all of your spending in different categories that rotate four times a year. From travel and gas to restaurants and entertainment, this rotating schedule of rewards categories lets you get cash back, across the board, all year long. But as a Discover® Student Card ® Tropical Beach holder, you will also be eligible for additional savings. When you use your card on all of your other general purchases, you can still be earning up to a 1% rebate. If your annual spending on general purchases totals to up to $1,500, you will automatically receive a .25% rebate, while if you spend between $1,500 and $3,000, you will receive a .5% rebate. If you spend over $3,000 on general purchases annually, you will receive a full 1% rebate on all of the purchases that you make after you achieve that level of spending.There is absolutely no limit on the rebates that you can earn with this credit card, and you don't have to worry that they will expire before you can use them. As long as your account stays active within a 36-month period, your rebates will stay good. This card gives you the access you need for your busy lifestyle, offering online account management so you can always get to your financial information when you need to. You will never be held liable for unauthorized transactions, and as a cardholder, you will be eligible for discounts on various products and services at a variety of merchants and retailers. The APR for this credit card is above the average, and finance charges are applied using the 'Two Cycles Average Daily Balance' method, which can make it pricy if you plan on carrying a balance. If you don't plan on carrying a balance, though, this card, issued by Discover, is the perfect way to earn yourself a great credit score and some great rebates at the same time. 1678 Discover® Student Open Road® Card Discover® Card fair unsecured student discover card 0% 9 months 12.99% variable 12.99% fixed 24.99% variable 23.99% $0 None. Cash Back Rewards 25 days $0.50 3% 3% of the amount of each transfer. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%.± 2% Cashback Bonus®± at gas stations and restaurants. Every single purchase automatically gets Cashback Bonus®. $0 Fraud Liability - you will not be responsible for unauthorized charges. No Annual Fee. Sign up to receive text and email alerts. ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_3572.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99062 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99049 See Website $4 Your Card Image,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,Fair Credit,Unsecured Cards,Gasoline Cards,Student Cards,Discover Card,Instant Approval,Zero Liability,Online Account Management,Cards by Restaurants,Build Credit,Car Rental Insurance,Travel Accident Insurance Double Cashback Bonus® at any gas station and any restaurant. Up to 1% Unlimited Cashback Bonus on everything else you buy. For students there are often few choices when it comes to getting a credit card - for most of them it is their first time opening a credit account and due to a lack of credit history and income over $15000 per year, the introductory cards are all they can get their hands on. With the Discover Open Road Card, however, students can not only open their own credit card account but they can receive various rewards relating to their travel expenses and vehicle maintenance. While using the Discover Card to make payments on vehicle repair and gas purchases, the cardholder can redeem 5% cashback on the first $1200 spent on gas and car repairs and also 1% on all other purchases after the spending amount exceeds $3000. Students will often make road trips back and forth between home and school for holidays and family get togethers; because of this the Discover Open Road Card is extremely useful because it allows the cardholder to benefit from the expenses related to vehicle ownership and frequent trips on the road. The card is a way for students to build up their credit, enjoy a relatively low APR at 12.99% and not feel so guilty about spending so much money on the car and gas. All rewards can be redeemed $20 at a time. As with all Discover cards, the Open Road Card APR is subject to change if the account is not paid regularly and the balance is carried forward too often. If this is the case the APR will change to the default rate, anywhere up to 23.99% depending on your credit and payment history. It costs 3% for each cash advance with a $5 minimum and no maximum. Annually this fee is 24.99%, standard with any Discover account. Late fees work out to $15 for any amount up to $500 and $39 on any amount over this; after December first of 2007, however, this rate changes to $19 on any amount up to $250 and $39 for any amount thereafter. The overlimit fee works the same way as the introductory late fees. If you make payments on the account each month to clear your debt, you retain the 25 days grace period before your purchases will be subject to APR. If not, the interest will be calculated more quickly on the account and you will end up paying more on purchases than need be. 1373 Discover® Motiva Card Discover® Card excellent / good unsecured consumer discover card 0% 15 months 10.99% variable 0% 15 months 10.99% variable 24.99% variable 25.99% $0 None. Cash Back Rewards,Charity Rewards 25 days $0.50 3% Intro fee of 3% of the amount of each transfer for transfers that post to your account by 2/10/2012 with the 0% intro APR balance transfer offer described above. After that, either $10 or 5% of the amount of each transfer, whichever is greater. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a Earn Cashback Bonus for your good credit managment. 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%.± Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com. Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report). 24/7 access to a U.S. - based Account Manager within 60 seconds. $0 Fraud Liability. You´re never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options. Great rewards with no annual fee, no rewards redemption fee, and no additional card fee. ±Click apply to view rates, fees, rewards, limitations and other important information. Unlimited cash rewards that never expire. Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners. Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_3558.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99059 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99046 See Website $70 Your Card Image,Credit Agencies Report,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,0% on Balance Transfers,Unsecured Cards,Good Credit,Charity Rewards,Discover Card,Instant Approval,Excellent Credit,Zero Liability,Online Account Management,Car Rental Insurance,Travel Accident Insurance,Cards by Gifts Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com. If you are looking for a card that gives you the cash rewards you deserve in return for your timely payments and large purchases, the Discover® Motiva Card, issued by Discover, is the credit card for you. This credit card gives users who have excellent credit the cash rebates they want, and the benefits they need. When you use your Discover® Motiva Card to make your everyday purchases up to the tune of $1,500 per year, you will automatically earn a .25% rebate, while if spend in between $1,500 and $3,000 each year, you will receive a .5% rebate. If you use your Discover® Motiva Card to spend over $3,000 in general purchases each year, you will earn the high rebate rate of 1%. But it's important that you remember that your rebate percentage will only kick in after you have spent the minimum amount. While you will be earning 1% cash rebates on all of your purchases after your first $3,000, that percentage won't apply to the $3,000, and so on with the other spending levels. You can also earn .25% for any purchases that you make at select discount stores and warehouse clubs, to help you maximize your savings.In addition, Discover® Motiva Card users can earn incredible rebates by shopping at participating online retailers. When you shop at Discover's exclusive online shopping site, you can earn up to a 5%-20% cashback bonus, just for buying the things that you want. There is no limit to the rebates that you can earn in a year, and your rebates won't expire for three years as long as your account stays active. Discover wants to reward you for being a responsible card user, so you can earn additional rewards, just for paying your bills on time. Every time you make your credit card payments on time six times in a row, you will automatically receive a credit toward your next bill, up to two times a year. The Discover® Motiva Card has absolutely no annual fee, and a low introductory APR of 3.9% on purchases for 6 months. After the introductory period ends, this card offers a reasonable APR to card users with good credit. If that isn't enough, this card comes with a wide array for user benefits as well, from travel accident insurance to auto rental insurance, in addition to great user protection features. There's no better way for a person with good credit to get great cash rewards. 1359 Discover® Student Card - Monogram Collection Discover® Card fair unsecured student discover card 0% 9 months 12.99% variable 12.99% fixed 24.99% variable 23.99% $0 None. Cash Back Rewards 25 days $0.50 3% 3% of the amount of each transfer. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%.± 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you´ll earn 5% on up to the quarterly maximum.± Every single purchase automatically gets Cashback Bonus®. $0 Fraud Liability - you will not be responsible for unauthorized charges. No Annual Fee. Sign up to receive text and email alerts. ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_3539.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99058 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99045 See Website $4 Your Card Image,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,Fair Credit,Unsecured Cards,Gasoline Cards,Student Cards,Discover Card,Instant Approval,Zero Liability,Online Account Management,Cards by Restaurants,Build Credit,Car Rental Insurance,Travel Accident Insurance 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Up to 1% unlimited Cashback Bonus on everything else you buy. This is a student card with a more unusual APR on purchases than most; if you apply for and receive this credit card you will enjoy a period of no APR until March of 2008 after which point it will start at 12.99%. To get the Discover Student Card Monogram collection you need to be enrolled in full time studies. If you are considering this card, chances are it is your first credit card and you have yet to build up a credit rating besides any student loans that will not apply until after you graduate or stop attending school. Because of this, Discover student cards allow you to enter into a credit agreement that is easy on you for the first several months and then changes to a regular credit account with a relatively low annual percentage rate on purchases. This is a chance for you to start making purchases online, to have more spending freedom and to establish yourself as a good credit customer so that in the future other card companies, banks and money lenders will have no qualms about lending you money for further education, to start a business or to buy a home. Cash advances will cost you 3% with a $5 minimum (no maximum), and late fees are $15 on any amount up to $500 and $39 on any amount over that. After the initial special offer period ends on December 1st of 2007, the late fees will change to $19 on any amount up to $250 and $39 on any amount over $250. There are no annual fees on the account and it has an APR of 12.99%. If you fail to make payments on time or tend to carry balances forward, however, this low rate is likely to rise up to the default rate of 23.99%; it is best to keep your spending in check and not allow this to happen or you will end up spending much more in interest than originally agreed. When you make regular payments each month that clear your debt on the card, you will retain your grace period of 25 days without interest being calculated. An overlimit fee applies to this account as well: $15 on any amount up to $500 and $39 for any amount exceeding $500. This is a good credit account for students who want to enjoy an APR-free grace period on their new cards and afterwards make do with a low interest rate. 1350 Discover® Student Clear Card Discover® Card fair unsecured student discover card 0% 9 months 12.99% variable 12.99% fixed 24.99% variable 23.99% $0 None. Cash Back Rewards 25 days $0.50 3% 3% of the amount of each transfer. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%.± 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you´ll earn 5% on up to the quarterly maximum.± Every single purchase automatically gets Cashback Bonus®. $0 Fraud Liability - you will not be responsible for unauthorized charges. No Annual Fee. Sign up to receive text and email alerts. ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_3530.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99057 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99044 See Website $4 Your Card Image,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,Fair Credit,Unsecured Cards,Gasoline Cards,Student Cards,Discover Card,Instant Approval,Zero Liability,Online Account Management,Cards by Restaurants,Build Credit,Car Rental Insurance,Travel Accident Insurance 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Up to 1% unlimited Cashback Bonus on everything else you buy. This student credit program allows anyone enrolled in full time studies to start writing their own credit history while enjoying the benefits of lower APR and a cashback rewards program. The account is unique in that it includes all purchases in its rewards calculations, whereas other cards are specific to gas and car repairs, airline tickets or hotel expenses. With this particular card all purchases go towards cashback with the Get More program. Shopping at certain stores, warehouses or clubs can get you more rewards than in other locations so it is best to familiarize yourself with the promoted brands and outlets before going out shopping and hoping for rewards. You can earn back 1% of all your purchases after exceeding $3000, and on all purchases your cashback value is limitless so long as you do participate in each Get More program presented to you by the Discover card company. There is no annual fee on this card which is something that all student cards should boast, and the APR is relatively low at 12.99% however if you miss a payment or continually carry your balance forward your account may change from the low APR to a default 23.99%. Of course it is always best to make regular payments to ensure that you keep your low introductory APR offer. If you continually make monthly payments that clear your accrued debt then you will keep your 25 day grace period before the amount is subject to interest; if you do carry the balance forward this will change and your amounts will gain interest at a quicker rate. The late fees on this account are $15 for any amount up to $500 and $39 for any amount exceeding that; after the first of December 2007, however, this rate changes to $19 for any amount up to $250 and $39 on any amount higher than that. The overlimit fees work the same as the original late fees do. For cash advances there is a standard 3% transaction fee with a $5 minimum and no maximum, and an annual fee of 24.99%. Rewards earned with the Get More program are redeemable $20 at a time. This is an ideal account for students who want to gain some financial freedom, make the most of their new credit card and actually earn cashback on purchases they will be making anyway. The Discover Student Card Clear offers the opportunity to shop smart and build a credit rating on a sound APR. 1681 Discover® Open Road Card Discover® Card excellent / good unsecured consumer discover card 0% 15 months 10.99% variable 0% 15 months 10.99% variable 24.99% variable 25.99% $0 None. Cash Back Rewards,Charity Rewards 25 days $0.50 3% 3% of the amount of each transfer. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.± 2% automatically at gas stations and restaurants all year long± Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com. Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report). 24/7 access to a U.S. - based Account Manager within 60 seconds. Great rewards with no annual fee, no rewards redemption fee, and no additional card fee. ±Click apply to view rates, fees, rewards, limitations and other important information. Unlimited cash rewards that never expire. Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners. Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash. $0 Fraud Liability. You´re never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_2192.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99063 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99050 See Website $70 Credit Agencies Report,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,0% on Balance Transfers,Unsecured Cards,Gasoline Cards,Good Credit,Charity Rewards,Discover Card,Instant Approval,Excellent Credit,Zero Liability,Cards by Restaurants,Car Rental Insurance,Travel Accident Insurance,Cards by Gifts 2% automatically at gas stations and restaurants all year long. The Discover Open Road Credit Card is designed for users who spend a lot of time and money on the road - through the cash back program you can earn cash rewards every time you gas up or spend money on auto maintenance. If you are the sort of person who does spend a lot of money regularly on travel expenses (at least in terms of car trips) then you will be able to benefit from this credit card so long as you remember to use it on related purchases so that you can gain cash back on necessary money being spent. Aside from the fact that there are no annual fees on this credit card and you have the chance to earn cash back on travel spending there are actually several fees affiliated with this credit account that you should be aware of before applying or using the card. Late fees, overlimit spending fees, cash advance fees and balance transfer fees apply where on other credit cards they may not. Late fees are calculated at $15 for any amount up to $500 and $39 for any amount exceeding that; this rate will change after the introductory offer ends December 1st 2007 and becomes $19 for any amount up to $250 and $39 for any amount over that. If you charge more money than you have been allocated in credit then the fee is $15 for up to $500 and $39 for any amount over that. For cash advances you will pay 3% per transaction with a minimum of $5; the annual fee for these advances is 20.99% rising to 24.99% after December 1st. If you want to transfer the balance of another credit card onto your new Discover Open Road Card then the fee for the transaction is 3% with a minimum payment of $10 and a maximum payment of $75. APR will not be charged until after September 2008 after which period the standard purchase APR will apply. The card comes with a purchase APR of 10.99% to 18.99% depending on your credit history however if you miss payments this will revert to the default APR of up to 25.99%. If you make regular payments each month on the account that clear your purchase balance then you will retain the original 25 day grace period meaning that when you make purchases they won't immediately be charged APR. 1332 Miles by Discover® Card Discover® Card excellent / good unsecured consumer discover card 0% 6 months 10.99% variable 0% 6 months 10.99% variable 24.99% variable 25.99% $0 None. Miles Rewards 25 days $0.50 3% Intro fee of 3% of the amount of each transfer for transfers that post to your account by 2/10/2012 with the 0% intro APR balance transfer offer described above. After that, either $10 or 5% of the amount of each transfer, whichever is greater. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a Earn up to $120 in travel rewards-1,000 Bonus miles every month you make a purchase for the first year. 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash. 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 20.99%.± No restrictions on travel - fly on any airline, book any hotel or car, with no blackout dates. Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card. Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report). Great rewards with no annual fee, no rewards redemption fee, and no additional card fee. ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_2191.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99056 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99043 See Website $70 Credit Agencies Report,Balance Transfers,Cards by Merchandise,No Annual Fee,0% on Balance Transfers,Unsecured Cards,Miles,Good Credit,Cards by Airline,Discover Card,Travel Cards,Instant Approval,Excellent Credit,Zero Liability,Car Rental Insurance,Travel Accident Insurance,Cards by Gifts Earn up to $120 in travel rewards-1,000 Bonus miles every month you make a purchase for the first year This is the Discover Card devoted to travel expenses; this not only includes car rentals, flights, vacation packages and other related purchases but the restaurant purchases made as well. You will earn 2 Miles for each of your first $3000 spent on travel and restaurants as well as $1 for every other purchase and $1 for travel and restaurant spending after the first $3000. Information on redemption will be available with the credit card itself. If you are the sort who spends a lot on travel and related expenses then this is certainly the kind of credit account you will want to look into; so long as you make the purchases with the credit card then you will be able to earn Miles that you can spend on the same kind of companies that you earned them from (travel and restaurant). There are no annual fees on this card however there are associated late fees, overlimit fees, cash advance fees and annual rates and balance transfer fees. The late fees are calculated at $15 for any amount up to $500 and $39 for any amount exceeding that; this rate changes after the introductory offer ends December 1st 2007 to $19 for any amount up to $250 and $39 for any amount over that. The overlimit fee comes into effect when you charge more than your allocated credit on the card; fees for this are $15 for an amount up to $500 and $39 for an amount over that. If you take out a cash advance the transaction fee is 3% with a minimum of $5, and the annual rate for advances is 20.99% rising to 24.99% after December 1st. If you make a balance transfer from another credit card then you will be charged 3% for each with a minimum payment of $10 and a maximum payment of $75. There will be no APR charged until September 2008 and after this term the amount will be subject to regular purchase APR. This card will charge APR at a rate between 10.99% and 18.99% depending on your credit rating; this introductory rate will change up to the default 25.99% if you fail to make payments on time, however. Fees on this card can be quite excessive, however if you are able to handle payments on time and do not have need for many balance transfers or cash advances then you might benefit from the travel and restaurant Miles you can earn through spending. 1331 Discover® Student Card Discover® Card fair unsecured student discover card 0% 9 months 12.99% variable 12.99% fixed 24.99% variable 23.99% $0 None. Cash Back Rewards 25 days $0.50 3% 3% of the amount of each transfer. 5% $10 Either $10 or 5% of the amount of each cash advance, whichever is greater. 0% $0 Up to $35. n/a 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%.± 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you´ll earn 5% on up to the quarterly maximum.± Every single purchase automatically gets Cashback Bonus®. $0 Fraud Liability - you will not be responsible for unauthorized charges. No Annual Fee. Sign up to receive text and email alerts. ±Click apply to view rates, fees, rewards, limitations and other important information. http://track.acclaimnetwork.com/apn_work/picts/prd_1845_2187.pic http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99055 http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=99042 See Website $4 Your Card Image,Balance Transfers,Cards by Shop,Cash Back,No Annual Fee,0% on Purchases,Fair Credit,Unsecured Cards,Gasoline Cards,Student Cards,Discover Card,Instant Approval,Zero Liability,Online Account Management,Cards by Restaurants,Build Credit,Car Rental Insurance,Travel Accident Insurance 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Up to 1% unlimited Cashback Bonus on everything else you buy. The Discover Student Card offers students enrolled in full time classes to enjoy the benefits of a credit card although they will likely have no credit history and no major source of income available to them. The card allows students to gain cashback rewards on their purchases when they participate in the Get More program offered through the company and also boasts a relatively low APR that will continue indefinitely over the course of the account being held. There is no annual fee for the Discover Student Card, however there are other fees that must be taken into consideration before the account is opened or used. Firstly, late fees and overlimit fees apply to the account so if you are late in making a payment or if you spend more than your credit limit you will be paying even more on top of the original debt and APR: late fees are $15 on any amount up to $500 and $39 on any amount that exceeds this. After the initial special offer period ends on December 1st, 2007, however, this fee will rise to $19 on amounts of up to $250 and $39 on anything above that. Overlimit fees are $15 on anything up to $500 and $39 for any amount over $500. The annual cash advance fee is 24.99% and the cash advance transaction fee (chargeable at each transaction) is 3% with a $5 minimum. The cashback rewards program works through the Get More initiative; essentially you need to stay aware of the different offers coming out from Discover if you want to keep track of any chances to earn yourself rewards. You will be able to earn 5% cashback on purchase and a further 1% on purchases when exceeding $3000. These rewards are redeemable in batches of $20. When you make regular monthly payments on the account and clear the debt each time, you will retain your grace period of 25 days; this means that your debts will not be subject to APR for a full 25 days so if you pay off the amount quickly you will not have to pay so much in interest as if you waited the full month. The advantages of this card are that it is available for students, its interest rate is relatively low and you have the opportunity to gain rewards back on purchases. The drawbacks are its plethora of fees, however if great care is taken with the account there may be no need for concern.