You are: The Big Spender

• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.^±
• 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.^±
• 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 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.

• Exclusive access to Gold Card Events - select concerts, shows, major sporting events, and more.
• Purchase Protection³⁷ can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. ³⁷Underwritten by AMEX Assurance Company.
• Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
• Introductory annual fee of $0 for the first year, then $125.
• Get a decision in as little as 60 seconds.