Apply for a Credit Card

When you're ready to fill out a credit card application, you first need to decide which card you want. One of the best ways to weight one against the other is to research them online. Most, if not all, will allow you fill out an application online. But even if you only want to research the subject, you can look at the language and terms of the application on the Internet before committing.

Discover® More(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Discover® Open Road(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Double Cashback Bonus on grocery store purchases in November and December* 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers Save at the pump and everywhere else.* 5% Cashback Bonus® on gas and auto maintenance purchases 5% to 20% Cashback Bonus at top online retailers* Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

Miles by Discover® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 11.99 - 18.99%* None* 12,000 Bonus Miles* – 1,000 Miles each month you make a purchase for the first 12 months Double Miles on up to $3,000 in travel and restaurant purchases each year Book any travel, anytime with no blackout dates or restrictions 1 Mile for every $1 on all your other purchases Unlimited Miles that never expire* No Annual Fee Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

Discover® Motiva(SM) Card

Intro APR Intro Period Regular APR Annual Fee 3.99%* 6 Months* 11.99 - 18.99%* None* Double Cashback Bonus on grocery store purchases in November and December* Cash Rewards for your good credit management!* Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - Clear

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Discover® More(SM) Card - American Flag

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Discover® More(SM) Card - Sealife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus  Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Discover® More(SM) Card - Wildlife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

New Millennium Bank Platinum Visa® or MasterCard®

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* 19.5%* $59* Reports to ALL 3 Bureaus No Credit Check Be Approved Regardless of Credit History Special High Introductory Savings Rate Bonus $3,000 credit line with My Computer Club * Terms and conditions apply

Horizon Gold Credit Card

Intro APR Intro Period Regular APR Annual Fee ** N/A* N/A%* $14.95 Monthly* Guaranteed Approval! Bad Credit Accepted! No Employment Check! Reports to Major Bureau!

Credit cards are becoming more of a necessity in the high-tech 21st century. More often we are seeing things limited to credit card payments. This can be frustrating if you do not have one, and somewhat empowering when you do. Having one not only makes paying for things easier, but it gives people a sense of security, as it is a good back-up plan if you have an emergency to take care of.

Before you do commit to one, be sure you read all the fine print. And make sure you know what all the language means. You're likely to run into a bunch of terms that you might not understand. Here's an explanation of some of them:

1. "Annual Fee" - Refers to a yearly flat charge somewhat like a membership fee. A lot of cards today are offering "no annual fee" credit cards to get your business.
    
2. "Grace Period" - Signifies a period of time (most often around 25 days) in which you can pay your card bill without being penalized with a finance charge.
    
3. "Annual Percentage Rate, or APR" - Refers to a yearly percentage of your finance charge.
    
4. "Fixed Rate" - Indicates the fixed annual percent of the finance charge.
    
5. "Variable Rate" - Refers to the prime rate plus an additional percentage (Example: A rate could be the prime rate plus 4.9 percent).
    
6. "Introductory Rate" - Refers to an APR that is lower than a typical rate, but which lasts for only about the first six months after the person has received credit. After that, it converts to the normal fixed rate.