Low APR Credit Cards -- online applications.
 
Discover® Open Road(SM) Card
Issuer: Discover®

Intro APR: 0%
Annual Percentage Rate ("APR") for Purchases 0% until the last day of the billing period ending during June 2008*; then the standard APR, an estimated rate between 10.99% and 18.99% (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 June 2008*; then the standard APR for purchases
Default Rate: Up to 28.99%*
Cash Advances: 23.99%
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.
BALANCE TRANSFER FEE: 3% for each balance transfer made under this offer, with a minimum of $10 and a maximum of $75.

* 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.

† 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.

You agree that if your application for a Discover More Card with a minimum credit limit of $5,000 and the lower 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.

INTRODUCTORY/SPECIAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until September 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 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. 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.

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 April 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 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: 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: Discover Platinum Card at PO Box 15410, Wilmington, DE 19886-0820.

REWARDS: Earn unlimited cash rewards on all purchases. Earn a full 5% Cashback Bonus on your first $1,200 in annual gas and auto maintenance purchases (G&A Purchases). In addition, earn a full 1% on all other purchases after your total annual purchases (including gas and auto maintenance) exceed $3,000; other purchases that are part of your first $1,500 earn .25% and other purchases that are part of your second $1,500 earn .50%. Combined G&A Purchases in excess of $1,200 earn Cashback Bonus at the same rate as other purchases. Gas and auto maintenance purchases are those made at merchants we classify as gas stations and at stores that primarily sell automotive parts and services, such as auto dealerships, auto repair shops, tire stores and car washes. Purchases made at select warehouse clubs, discount stores and their affiliates earn .25%. Rewards are redeemable in $20 increments. Rewards have no expiration date; however, certain circumstances, such as account closure and inactivity for more than 36 months, could result in forfeiture of some or all of your Cashback Bonus. Full terms and condition will be sent with your Card. Effective October 1, 2007, we will be changing how we calculate rewards. You will still have the opportunity to earn 5% Cashback Bonus on up to $1,200 in G&A Purchases each year. You will earn 5% Cashback Bonus on your first $100 in these purchases each month - up to $1,200 each year; G&A Purchases in excess of $100 each month will still earn unlimited Cashback Bonus at the same rate as other purchases.

Upon approval, you will receive your new card within 30 days. PLEASE ALLOW 30 DAYS FOR US TO PROCESS YOUR APPLICATION. In order to ensure the security of your confidential information, we will never use the Internet to request that you re-enter or verify any information regarding this Discover Card application.



Apply for Discover® Open Road(SM) Card

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These days, people need to very carefully consider what type of credit card they will carry in their wallets. There are so many options out there, and each individual has different needs. Some of us tend to carry a balance, so we need a low interest credit card. Others pay off their card each month and so don't pay any interest. They are more concerned with having a credit card that has no annual fee.

These days, with so much competition between credit card companies, you can get so much more. You can get 0% introductory APRs, free balance transfers, and a whole host of exciting credit card rewards: travel, shopping, even points toward college tuition!

You get credit card offers in the mail every day. And you do need to make sure that you are using the credit card that is best for you. Instead of sifting through all those credit card offers in the mail, why not go online and check out the incredible offerings of credit card reward programs? In addition to getting the best credit card for you, as well as any perks that come with the card, you will earn a cash reward, just for signing up for your favorite low interest Discover® Open Road(SM) Card credit card online!

Credit card reward programs allow you to easily view and compare all of the best deals that the major, top of the line companies have to offer. And, when you decide to complete an application, you will receive a cash reward or free merchandise through the reward programs!

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The process is really very simple. You create an account with a rewards program, and in most cases you'll also get a cash bonus just for signing up. That's in addition to the cash reward you get for filling out a credit card application. Once enrolled with the rewards program, you will be able to browse the excellent deals available from well-established credit card companies. As you do so, note the cash reward you will receive as an incentive for signing up. When you make your choice, simply apply online. When you receive your credit card, the rewards program will credit your account for the amount of the cash reward.

You can redeem your cash reward or free merchandise by simply verifying your reward program account (usually by phone). Soon you will receive your cash bonus or free merchandise and enjoy your new low interest credit card!


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