Browse online applications and apply for a Discover card such as the gold Discover® card or other available offers.
Discover® Gold Card -
The Discover® Gold Card is ideal if you have good credit and are looking for a cash back reward card. Through the reward program, you'll earn up to a rebate
percentage on all your purchases. You can sign up for Get More promotions throughout the year to earn
a higher Cashback Bonus on purchases made at select merchants or in certain merchant categories. Plus, you can earn a
rebate at select warehouse clubs and discount stores, and other special Cashback Bonus® at participating Discover Card Partners. This card has a reasonably low interest rate on purchases and balance transfers, but it uses a more costly method of computing balances, so it is not ideal if you plan to carry a balance. However, there is no annual fee, and it offers an
introductory 0% interest rate on purchases and balance transfers. Common benefits and services are also provided.
Other Gold Card Offers...
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Discover® Gold Card: No other card rewards you like the Discover® Gold Card. Sign up for a Discover® Gold Card today and enjoy a 0% Intro APR*, pay no annual fee and be a part of America’s #1 Credit Card Rewards program. Apply Now! *View Discover® Card Rates, Fees, Rewards and Other Important Information.
Visa credit card offers: Visa Classic, Visa Secured, Visa Gold Credit Card, Visa Platinum Credit Card, Smart Visa Cards, Visa Signature Card and Reward Cards
MasterCard credit card offers: The MasterCard, Gold MasterCard, Platinum MasterCard and World MasterCard
American Express credit card offers: Personal Card, Rewards Green Card,Senior Member Card, American Express Student Card, Gold Card, Platinum Card, Blue from American Express, Blue Cash Card, Blue for Students
Discover Card offers: Discover Miles Card, Discover Gold Card, Discover Student Card, and the Discover Gas Card
Prestige Gold Card (no longer available): Designed for those with poor to limited credit who would like to establish credit by participating in the optional credit-building program. Those who become active members of the optional New Horizons Gold program will be glad to know that transactions will be reported to credit bureau(s) as an unsecured credit card.
Get the latest news about Discover Card, or browse for more Discover credit card offers.
Credit Card Tips: Credit cards are a great way to get credit, and you get to decide how much credit to use and how much you want to repay each month. Searching for new card offers can be hard with the various terminology and procedures, yet taking the time to do so can be well worth it. Getting rewards or cash back is like earning money while spending money. Sometimes credit card users are just looking for a better card that has lower rates. They may do this to get their finances in order and to save more money. Young adults may be searching for a card offer to start establishing a credit history, and many companies may offer more incentives to new applicants who apply and get approved.
When credit is less than perfect, a secured card may be the only option to get credit back on target. Getting one without any fees may be more difficult that you expect, as fees are a common facet of secured cards. Charges can vary among companies, but there are some who charge reasonable rates. Review the terms and conditions for all the details of any card before applying. Even unsecured cards for good credit can have fees. The important thing is to rebuild or maintain a positive credit history. Secured cards are usually not totally free of fees and it is best to compare them side by side to get all the information.
Types of fees to compare on secured card offers:
*Yearly fee
*Interest fees
*Application fees
*Monthly maintenance fees
Some fees may occur when the cardholder does something contrary to an agreement, like making a late payment or making purchases that go over the available credit limit. Perpetually paying late or exceeding a credit limit can cause big fees or even an account being closed. It may be possible to avoid some fees that may be charged for balance transfers, cash advances, or when making purchases overseas, but these fees can vary among issuers. Looking for the lowest charges can save hundreds of dollars a year. Another option to try to avoid fees, is to pay balances in full.
Credit history and scores will have an affect on what fees are charged, the lower scores are, the more credit can cost. Higher scores can equal better credit terms and lower interest rates. There are issuers who advertise to consumers who have bad credit, and offer cards to rebuild credit. Guaranteed cards may be the only choice for those who can't get approved for regular cards.
Discover Financial Services Announces First Internationally-Issued Discover Cards
Diners Club del Ecuador Sociedad Financiera to Issue Discover Cards; Leverages Strong Diners Club Market Share in Ecuador
Discover Financial Services announced it has expanded its franchise agreement with Diners Club Ecuador (DCE) to include issuance of Discover cards in Ecuador. This is the first time in company history that Discover cards will be issued beyond U.S. borders.
As part of the agreement, DCE has been given the exclusive rights to issue Discover cards in Ecuador and will sub-license the issuing rights to Banco Pichincha, the largest bank in the country. Currently, DCE owns a market share of more than 40% by sales volume in Ecuador through their Diners Club products, and the complementary Discover card product was designed to further grow market share in the country. Discover cards will be processed on the Diners Club network in Ecuador, which boasts 100% merchant acceptance.
The new Discover card will initially offer a basic version of Discover’s award-winning cash rewards program, Cashback Bonus, which includes up to 1 percent cash back on all purchases. New card products and features will be rolled out over time, as “cashback” is still a new concept in Ecuador. Cash rewards can be redeemed for a gift card once cardmembers earn $20 (USD) or a statement credit once they earn $40 (USD).
“Discover clearly will benefit from the success of the Diners Club Ecuador franchise, which is a dominant force throughout the country,” said Diane Offereins, EVP and President of Discover Payment Services. “By leveraging DCE’s strength and expertise in-market, Discover has a tremendous opportunity to build its brand globally and share its most compelling attributes – including best cash rewards, service and value – with the people of Ecuador.”
“This agreement gives us the opportunity to expand our financial services product portfolio and introduce consumers in Ecuador to the Discover brand, which has a proven track record of success in the U.S.,” said Pablo Salazar, president of Diners Club Ecuador.
Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.
Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.
Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.
Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
Credit Card Balance Tip: Some people, even those with good credit histories, have recently seen their credit limits cut back. Reductions in credit lines can be harmful because your borrowing power will be diminished. Also remember that your credit score is based, in part, on what percentage of your credit limit you are using and how much you owe. Borrowers who carry large balances in proportion to their credit limit may see their credit scores fall. And a lower credit score can make it difficult or more expensive to get new credit in the future. How can you reduce the risk that your credit limit will be cut or your credit card account will be canceled? One factor that credit card companies consider is how you pay your bills. "It's important to show a steady, timely payment history," reported Evelyn Manley, a Senior Consumer Affairs Specialist at the FDIC. Paying all your credit-related bills by the due date - that includes your credit card bills as well as your car loan, mortgage and other debts - shows that you're a responsible borrower. Also, pay as much of your credit card bill as you can each month. If possible, pay in full, but definitely try to pay more than the minimum balance due. What should you do if you’ve already had your credit limit cut? Put a renewed focus on lowering the amount of money you owe on your credit cards. Also, consumers who have difficulty making their minimum payments on time may benefit from speaking with a reputable credit counselor to get help or guidance at little or no cost.
