Miles by Discover Card

 

Important information about your Miles by Discover Card

Know what to expect before you apply for a card by browsing the specific terms that may be offered to you based on your credit history.

You are considered to have Excellent Credit if you pay all your bills on time and never miss payments.
Print Print

  For the terms you see here.

Annual Percentage Rate (APR) For Purchases

N/A% until the last day of the billing period ending during N/A,*
then the standard APR,

Other APRs

Balance Transfers: N/A% until the last day of the billing period
ending during N/A,* then the standard APR for purchases.

Cash Advances: N/A%

Default Rate: N/A%*

Variable Rate Information

N/A†

Grace Period for Repayment of the Balance of Purchases

N/A

Method of Computing the Balance for Purchases

N/A

Annual Fee

N/A

Minimum Finance Charge

$N/A

Balance Transfer Transaction Fee

N/A

Cash Advance Transaction Fee

N/A

Late Fee

N/A

Overlimit Fee

N/A
Small Medium Large
Change Text Size:  

*If you are late making a payment or your account is overlimit twice, we may increase your APRs to a 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. See Cardmember Agreement for details.

†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 added will be based on our evaluation of your credit and will be disclosed with your Card.

INTRODUCTORY/SPECIAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until April 1, 2009. 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 rewards. If you request multiple balance transfers, we will process them from lowest to highest dollar amount. You understand that if your application is approved, your credit limit may be less than the total amount of balance transfers requested, and you authorize us to process any balance transfer for less than the amount requested, up to your available credit. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. If you are late making a payment or your account is overlimit twice, any introductory/special rates will terminate and the Default Rate will apply. If more than 90% of your new balance consists of special rate balance transfers, we may increase your minimum payment due to a maximum of 4% of the new balance if it would otherwise be less than that. Each balance transfer made under this offer is subject to a balance transfer transaction fee as described above.

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 and for review, renewal, change in credit limit, collection or other legitimate purposes associated with your Account. 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 US 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 calculations of variable rates, are accurate as of November 2008 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. Please allow 30 days for us to process your application.

Offer valid for new cardmembers only.

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. The terms and conditions 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 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. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.

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: 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 their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.

REWARDS: Earn unlimited Miles on all purchases. Earn 2 Miles for each dollar you spend on your first $3,000 in annual travel and restaurant purchases. In addition, earn 1 Mile for each dollar you spend on all other purchases, including combined annual travel and restaurant purchases in excess of $3,000. Travel purchases are those made on airline tickets, hotel rooms, car rentals, cruises, tour operators and vacation packages purchased through travel agents, including online purchases. Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Miles have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Miles will be forfeited. Full terms and conditions, including redemption information, will be sent with your card.

TERMS OF 12,000 BONUS MILES OFFER: Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your account is opened, with a cap of 12,000 Bonus Miles. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Offer valid from 12/01/2008-06/01/2009. Promotional Miles will be applied within 8 weeks.

INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.

  For the terms you see here.

You are considered to have Average Credit if you pay most of your bills on time, and have made one or two late payments (more than 30 days past due) in the last year.
Print Print

  For the terms you see here.

Annual Percentage Rate (APR) For Purchases

N/A% until the last day of the billing period ending during N/A,*
then the standard APR,

Other APRs

Balance Transfers: nN/A% until the last day of the billing period
ending during N/A,* then the standard APR for purchases.

Cash Advances: N/A%

Default Rate: N/A%*

Variable Rate Information

N/A†

Grace Period for Repayment of the Balance of Purchases

N/A

Method of Computing the Balance for Purchases

N/A

Annual Fee

N/A

Minimum Finance Charge

$N/A

Balance Transfer Transaction Fee

N/A

Cash Advance Transaction Fee

N/A

Late Fee

N/A

Overlimit Fee

N/A
Small Medium Large
Change Text Size:  

*If you are late making a payment or your account is overlimit twice, we may increase your APRs to a 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. See Cardmember Agreement for details.

†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 added will be based on our evaluation of your credit and will be disclosed with your Card.

INTRODUCTORY/SPECIAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until April 1, 2009. 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 rewards. If you request multiple balance transfers, we will process them from lowest to highest dollar amount. You understand that if your application is approved, your credit limit may be less than the total amount of balance transfers requested, and you authorize us to process any balance transfer for less than the amount requested, up to your available credit. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. If you are late making a payment or your account is overlimit twice, any introductory/special rates will terminate and the Default Rate will apply. If more than 90% of your new balance consists of special rate balance transfers, we may increase your minimum payment due to a maximum of 4% of the new balance if it would otherwise be less than that. Each balance transfer made under this offer is subject to a balance transfer transaction fee as described above.

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 and for review, renewal, change in credit limit, collection or other legitimate purposes associated with your Account. 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 US 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 calculations of variable rates, are accurate as of November 2008 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. Please allow 30 days for us to process your application.

Offer valid for new cardmembers only.

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. The terms and conditions 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 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. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.

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: 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 their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.

REWARDS: Earn unlimited Miles on all purchases. Earn 2 Miles for each dollar you spend on your first $3,000 in annual travel and restaurant purchases. In addition, earn 1 Mile for each dollar you spend on all other purchases, including combined annual travel and restaurant purchases in excess of $3,000. Travel purchases are those made on airline tickets, hotel rooms, car rentals, cruises, tour operators and vacation packages purchased through travel agents, including online purchases. Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Miles have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Miles will be forfeited. Full terms and conditions, including redemption information, will be sent with your card.

TERMS OF 12,000 BONUS MILES OFFER: Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your account is opened, with a cap of 12,000 Bonus Miles. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Offer valid from 12/01/2008-06/01/2009. Promotional Miles will be applied within 8 weeks.

INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.

  For the terms you see here.

Your credit Needs Improvement if you pay your bills, but have made three or more late payments (more than 30 days past due) within the past two years.
Print Print

  For the terms you see here.

Annual Percentage Rate (APR) For Purchases

N/A% until the last day of the billing period ending during N/A,*
then the standard APR,

Other APRs

Balance Transfers: N/A% until the last day of the billing period
ending during N/A,* then the standard APR for purchases.

Cash Advances: N/A%

Default Rate: N/A%*

Variable Rate Information

N/A†

Grace Period for Repayment of the Balance of Purchases

N/A

Method of Computing the Balance for Purchases

N/A

Annual Fee

N/A

Minimum Finance Charge

$N/A

Balance Transfer Transaction Fee

N/A

Cash Advance Transaction Fee

N/A

Late Fee

N/A

Overlimit Fee

N/A
Small Medium Large
Change Text Size:  

*If you are late making a payment or your account is overlimit twice, we may increase your APRs to a 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. See Cardmember Agreement for details.

†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 added will be based on our evaluation of your credit and will be disclosed with your Card.

INTRODUCTORY/SPECIAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until April 1, 2009. 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 rewards. If you request multiple balance transfers, we will process them from lowest to highest dollar amount. You understand that if your application is approved, your credit limit may be less than the total amount of balance transfers requested, and you authorize us to process any balance transfer for less than the amount requested, up to your available credit. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. If you are late making a payment or your account is overlimit twice, any introductory/special rates will terminate and the Default Rate will apply. If more than 90% of your new balance consists of special rate balance transfers, we may increase your minimum payment due to a maximum of 4% of the new balance if it would otherwise be less than that. Each balance transfer made under this offer is subject to a balance transfer transaction fee as described above.

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 and for review, renewal, change in credit limit, collection or other legitimate purposes associated with your Account. 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 US 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 calculations of variable rates, are accurate as of November 2008 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. Please allow 30 days for us to process your application.

Offer valid for new cardmembers only.

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. The terms and conditions 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 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. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.

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: 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 their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.

REWARDS: Earn unlimited Miles on all purchases. Earn 2 Miles for each dollar you spend on your first $3,000 in annual travel and restaurant purchases. In addition, earn 1 Mile for each dollar you spend on all other purchases, including combined annual travel and restaurant purchases in excess of $3,000. Travel purchases are those made on airline tickets, hotel rooms, car rentals, cruises, tour operators and vacation packages purchased through travel agents, including online purchases. Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Miles have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Miles will be forfeited. Full terms and conditions, including redemption information, will be sent with your card.

TERMS OF 12,000 BONUS MILES OFFER: Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your account is opened, with a cap of 12,000 Bonus Miles. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Offer valid from 12/01/2008-06/01/2009. Promotional Miles will be applied within 8 weeks.

INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.

  For the terms you see here.

Selecting I Don't Know means that after reviewing the other credit designations you are still unsure of your credit history.
Print Print

  For the terms you see here.

Annual Percentage Rate (APR) For Purchases

N/A% until the last day of the billing period ending during N/A,*
then the standard APR,

Other APRs

Balance Transfers: nN/A% until the last day of the billing period
ending during N/A,* then the standard APR for purchases.

Cash Advances: N/A%

Default Rate: N/A%*

Variable Rate Information

N/A†

Grace Period for Repayment of the Balance of Purchases

N/A

Method of Computing the Balance for Purchases

N/A

Annual Fee

N/A

Minimum Finance Charge

$N/A

Balance Transfer Transaction Fee

N/A

Cash Advance Transaction Fee

N/A

Late Fee

N/A

Overlimit Fee

N/A
Small Medium Large
Change Text Size:  

*If you are late making a payment or your account is overlimit twice, we may increase your APRs to a 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. See Cardmember Agreement for details.

†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 added will be based on our evaluation of your credit and will be disclosed with your Card.

INTRODUCTORY/SPECIAL APR OFFERS: If you are approved for an account, you will be able to make balance transfers under this offer until April 1, 2009. 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. If you request multiple balance transfers, we will process them from lowest to highest dollar amount. You understand that if your application is approved, your credit limit may be less than the total amount of balance transfers requested, and you authorize us to process any balance transfer for less than the amount requested, up to your available credit. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. If you are late making a payment or your account is overlimit twice, any introductory/special rates will terminate and the Default Rate will apply. If more than 90% of your new balance consists of special rate balance transfers, we may increase your minimum payment due to a maximum of 4% of the new balance if it would otherwise be less than that. Each balance transfer made under this offer is subject to a balance transfer transaction fee as described above.

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 and for review, renewal, change in credit limit, collection or other legitimate purposes associated with your Account. 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 US 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 calculations of variable rates, are accurate as of November 2008 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. Please allow 30 days for us to process your application.

Offer valid for new cardmembers only.

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. The terms and conditions 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 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. For restrictions and details, write to us at PO Box 15192, Wilmington, DE 19886-1020.

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: 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 their spouse's name and address to us at PO Box 15410, Wilmington, DE 19886-0820.

REWARDS: Earn unlimited Miles on all purchases. Earn 2 Miles for each dollar you spend on your first $3,000 in annual travel and restaurant purchases. In addition, earn 1 Mile for each dollar you spend on all other purchases, including combined annual travel and restaurant purchases in excess of $3,000. Travel purchases are those made on airline tickets, hotel rooms, car rentals, cruises, tour operators and vacation packages purchased through travel agents, including online purchases. Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Miles have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Miles will be forfeited. Full terms and conditions, including redemption information, will be sent with your card.

TERMS OF 12,000 BONUS MILES OFFER: Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your account is opened, with a cap of 12,000 Bonus Miles. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Offer valid from 12/01/2008-06/01/2009. Promotional Miles will be applied within 8 weeks.

INSURANCE: Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance are underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies of Warren, NJ. Certain restrictions and limitations apply. Refer to the Descriptions of Coverage for more complete information.

  For the terms you see here.