Discover it® Cash Back Application

Important Information

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 0% intro APR for 15 months from date of account opening.
for Purchases
After the intro APR expires, your APR will be 12.24% to
23.24% based on your creditworthiness. This APR will vary
with the market based on the Prime Rate.

APR for Balance Transfers 0% intro APR for 15 months from date of first transfer, for
transfers under this offer that post to your account by August 10,
2022.

After the intro APR expires, your APR will be 12.24% to 23.24%
based on your creditworthiness. This APR will vary with the
market based on the Prime Rate.

APR for Cash Advances 25.24%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When It None

Applies

How to Avoid Paying Interest on Your due date is at least 25 days after the close of each billing
Purchases period (at least 23 days for billing periods that begin in February).
We will not charge you any interest on purchases if you pay your
entire balance by the due date each month.

Minimum Interest Charge If you are charged interest, the charge will be no less than $.50.

For Credit Card Tips from the To learn more about factors to consider when applying for or
Consumer Financial Protection using a credit card, visit the website of the Consumer Financial
Bureau Protection Bureau at
https://www.consumerfinance.gov/learnmore.
Fees

Set-up And Maintenance Fees

Annual Fee None

Transaction Fees

Balance Transfer Intro fee of 3% of the amount of each transfer for transfers that
post to your account by August 10, 2022 with the 0% intro APR
balance transfer offer described above. After that, 5% of the
amount of each transfer.

Cash Advance Either $10 or 5% of the amount of each cash advance,

whichever is greater.

Penalty Fees

Late Payment None the first time you pay late. After that, up to $41.

Returned Payment Up to $41.

HOW WE WILL CALCULATE YOUR BALANCE:

We use a method called "daily balance (including new transactions)."

HOW WE CALCULATE VARIABLE RATES BASED ON THE PRIME RATE:

We use the highest U.S. Prime Rate listed in the online The Wall Street Journal (www.wsj.com) on
the last business day of the month. For the purchase APR, we add from 8.74% to 19.74% to the
Prime Rate based on your creditworthiness. When we evaluate your creditworthiness, we consider
your credit report, all the information you provided and other information. Customers with the best
credit profiles receive the lowest rates. Some customers may receive higher rates and may be
offered an account with different rates or terms, including no introductory rates but the same cash
back rewards offer. For the cash advance APR, we add 21.74% to the Prime Rate.

BALANCE TRANSFERS:
This offer applies to balance transfers that post to your account by 8/10/2022. It takes at least 14
days after your account is opened to process payments to your other accounts. You may cancel a
balance transfer at any time prior to that by calling 1-800-347-3085. Continue to make all required
payments to your other accounts until you confirm that the balance transfers were made. Balance
transfers may not be used to pay any Discover accounts and do not earn rewards. You may transfer
any amount, up to your credit available for transfers, which may be less than your total credit line. If
your balance transfer request will exceed your available credit, we will process your transfers for
less than the amount requested, in the order requested. You may only make balance transfers to
accounts that list you as an accountholder. The minimum payment requirement can cause
promotional balances to be paid in full prior to the end of the promotional period. There is no grace
period on your balance transfers. If you take advantage of this balance transfer offer, you will be
charged interest on purchases unless your purchase APR is at a promotional 0% APR. To avoid
interest on new purchases after you transfer a balance, you must pay all balances on your account,
including any balances you transfer under this offer, in full by the first payment due date. See your
Cardmember Agreement for details.

PAYMENT ALLOCATION:
We apply payments and credits at our discretion, including in a manner most favorable or
convenient for us. Each billing period, we will generally apply amounts you pay that exceed the
minimum payment due to balances with higher APRs before balances with lower APRs as of the date
we credit your payment.

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 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. You are eligible to apply for a
second Discover credit card account after your first Discover credit card account is opened more
than twelve months. You may have a maximum of two Discover credit card accounts. You agree
Discover Bank, its affiliates, and agents ("Discover") may call you, including texts, about any current
or future accounts or applications, with respect to all products you have with Discover at any phone
number you provide. In addition, you agree Discover may contact you using an automatic dialer or
pre-recorded voice message. Message and Data rates may apply. Click here for text terms and
conditions and our privacy policy. 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. 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 April 29, 2022, 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: For more information call us at 1-800-347-3085. You may contact the New
York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free
information on comparative 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 their spouse's
name and address to us at PO Box 15410, Wilmington, DE 19850-5410.

REWARDS:
We will send you full terms and conditions with your card. Earn 5% Cashback Bonus® at different
places each quarter up to the quarterly maximum each time you activate. The amount of the cap
may change. Click here to see the current 5% program details. 5% category purchases over the
quarterly maximum, and all other purchases, earn 1% cash back. You will not earn Cashback Bonus
on cash advances, portion of purchases paid with rewards, balance transfers, transfers from
Discover checking or other deposit accounts, illegal transactions or any cash you receive in
connection with a purchase at the point of sale through our Cash Over feature. For full details about
your rewards, call 1-800-347-3085.

You can redeem rewards in any amount at any time. Rewards never expire. We will credit your
account or send you a check with your rewards balance if your account is closed or if you have not
used your account within 18 months. You may redeem your Cashback Bonus in any amount starting
with 1 cent for a credit to your account, an electronic deposit to your bank account, a donation to
select charities, or pay with Cashback Bonus at select merchant(s). Visit
Discover.com/paywithcashbackbonus for a list of current merchant(s). Starting with $5 Cashback
Bonus, you may redeem for gift cards or instant eCertificates from our Partners. Redemption may
not be available for approximately 24-48 hours if your card is lost or stolen.

Cashback Match:
We’ll match all the cash back rewards 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’ve earned cash back
rewards 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; rewards transfers from
Discover checking or other deposit accounts; or rewards for accounts that are closed. This
promotional offer may not be available in the future and is exclusively for new cardmembers. No
purchase minimums.

Rewards at Amazon.com:
Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are
trademarks of Amazon or its affiliates.
PayPal:
PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way
sponsoring or affiliated with this program.

FICO® Credit Score Terms:

Your FICO® Credit Score, key factors and other credit information are based on data from
TransUnion® and may be different from other credit scores and other credit information provided by
different bureaus. This information is intended for and only provided to Primary account holders
who have an available score. See Discover.com/FICO about the availability of your score. Your
score, key factors and other credit information are available on Discover.com and cardmembers are
also provided a score on statements. Customers will see up to a year of recent scores online.
Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit
scores and more information in credit decisions. This benefit may change or end in the future. FICO
is a registered trademark of Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-
2683). Please give us two billing cycles to process your request. To learn more, visit
Discover.com/FICO.

Freeze it®:
When you freeze your account, Discover will not authorize new purchases, cash advances or
balance transfers. However, some activity will continue, including bills that merchants mark as
recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some
transit purchases), payments, Discover protection product fees, other account fees, interest,
rewards redemptions and certain other exempted transactions.

Discover® Identity Alerts:

Offered by Discover Bank at no cost, only available online, and currently include the following
services: (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 thousands of Dark Web sites known for
revealing personal information and an alert if your Social Security Number is found on such a
website. This information is intended for, and only provided to, Primary credit cardmembers whose
accounts are open, in good standing and have an email address on file. The Primary cardmember
must agree online to receive identity alerts. Identity alert services are based on Experian
information and data which may differ from information and data at other credit bureaus.
Monitoring your credit report does not impact your credit score. This benefit may change or end in
the future. Discover Bank is not a credit repair organization as defined under federal or state law,
including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit
discover.com/freealerts.

FREE OVERNIGHT CARD REPLACEMENT:

Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight
shipping limitations apply that may impact the exact delivery date.
©2022 Discover Bank, Member FDIC