*Offer for new cardmembers: APR for purchases and balance transfers: 10.99% - 19.99% variable based on availability and creditworthiness. Cash APR: 24.99% variable. Min. int. charge: $0.50. Cash fee: 5%, min. $10. Balance transfer fee: 3%. Rates as of 12/31/12.About Discover Discover Financial Services (NYSE: DFS) is a direct banking and payment services company with one of the most recognized brands in U.S. financial services. Since its inception in 1986, the company has become one of the largest card issuers in the United States. The company operates the Discover card, America's cash rewards pioneer, and offers home loans, private student loans, personal loans, online savings accounts, certificates of deposit and money market accounts through its direct banking business. Its payment businesses consist of Discover Network, with millions of merchant and cash access locations; PULSE, one of the nation's leading ATM/debit networks; and Diners Club International, a global payments network with acceptance in more than 185 countries and territories. For more information, visit www.discoverfinancial.com.