BUILD YOUR CREDIT RATING With the Discover®Card you will begin to establish your own personal credit history every time you make a purchase. NO ANNUAL FEE With your Discover Card there's no annual fee. NATIONWIDE ACCEPTANCE Over two million locations, including The Gap, Musicland and TGI Friday's. COMPETITIVE RATES New Discover Cardmembers receive our Best Rate*(Prime Rate + 8.9%) on purchases. We call it the SmartRate®Program and it's not just an introductory offer. The more you purchase the lower your rate can go* THE CASHBACK BONUS®AWARD You'll receive real money back just for using your Discover Card, up to 1% paid yearly based on your annual level of purchases. *For additional details, please refer to the Important Information section on reverse side of the application.