Home > > Discover More(SM) Card

Discover More(SM) Card

0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

More ways to enjoy more cash than anyone else.SM*
Enjoy a 0% Introductory APR* and get 5% Cashback Bonus® in popular categories like travel, home, gas, restaurants, movies and more and up to 1% Cashback Bonus on all other purchases.
For your peace of mind you'll have a $0 fraud liability guarantee. This card also offers the easy online Account options that put you in control and you'll pay no annual fee.
You also can Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners. *View Discover® Card Rates, Fees, Rewards and Other Important Information.
2

DID YOU KNOW?

	When somebody has done something good, it is right to provide him or her some rewards. For all the hardships and continuous service to the community, a worker is entitled to all the required benefits in exchange for all the services that he or she has done. It is for this reason that retirement benefits are extremely important. It is solely the best gratification one could ever have after so many years of working hard. In the military, people who work for the government and for their respective community should likewise be entitled to receive the benefits that are due for them. Basically, military retirement is available in three remuneration plans. These plans were authorized by the Congress, which are entitled for every military personnel who have rendered the needed services to the government and to the whole country as well. Military retirement plans are unique on its basic concept inclusive of the service dates, in which the amount of retirement benefits will be based from. These military retirement benefits involve the “primary service dates” that provides the DIEMS or the “Date of Initial Entry into Military Service” and the service date as stipulated in the Title 10, Section 1405 of the United States Code. For a complete understanding of the benefits in military retirement, here is a list of the three remuneration plans. 1. DIEMS before September 8, 1980 For military personnel whose DIEMS is before September 8, 1980, the military retirement benefit is based on the product of the military personnel’s monthly income and the 2 ½% of the concerned personnel’s years of service. This plan is known as the present military retirement plan. 2. DIEMS between September 8, 1980 and July 31, 1986 Any military personnel whose service dates falls between September 8, 1980 and July 31, 1986, the expected retirement pay is the product of the 2 ½ % of the personnel’s years of service and the average of a personnel’s “highest 36 months” of the basic take-home pay based on the days of active duty. This military retirement plan is known as the “High 36/50 Percent Plan.” 3. DIEMS on or after August 1, 1986 Any military personnel whose DIEMS is on or after August 1, 1986, the amount of the expected retirement benefit is the product of 2 ½% of the personnel’s years of service, but less than 1% for every year of service that is below 30 years, and the average of the personnel’s maximum income on a 36-month remuneration. This plan is called “High 36/40 Percent Plan.” Indeed, any of these three plans will definitely give the military people enough financial aid by the time they retired from service.

Do you want to start your own business? Do you have a great business idea? If so, now all you need is business credit. That way you’ll be able to borrow money against your business without having to dip into your personal savings or use your personal credit. This means less risk for you, the owner. Some credit reporting agencies sell a business FICO score based on both the risk of the business and the personal credit of the owner. In some instances, the owner’s personal credit is linked to the business credit, but it’s best to keep them separate if you can. Building your business credit will be completely different from how you buildt your personal credit rate. You also won't have the same credit protection with business credit, that you do with personal credit.

There are certain steps that you can follow to help make sure your business credit gets off to a great start.

First, you must set up the proper business structure and take the proper steps to ensure your business appears stable to the business credit bureaus. That means getting the right occupational licenses, establish a corporate structure and build a business credit profile. A business credit profile will help you to build business credit without using your personal credit. There are many benefits of having a business credit profile. For one, you will have more cash for the business, convenience in purchasing, protection of your personal assets, limiting of personal liability from the business, and the ability to prepare your business for future lending needs.

Secondly, you need to borrow or buy products and services from companies that will report your credit history to the major business credit reporting agencies such as Dunn and Bradstreet and Experian. Unlike personal credit ratings or FICO scores; your income or income potential, will play a huge roll in your business credit scores. The top FICO scores are reserved for the largest most stable businesses. But don’t be discouraged, with a little time, your business FICO score will skyrocket!

Next, in order to enter the business credit market, you’ll need to do a business credit assessment to determine if you comply with the lender and credit bureau’s requirements. A great place to start is to look for businesses that issue credit without the need for established business or personal credit checks or guarantees. Once you have transacted business with these vendors on credit, you'll be able to use those credit references to build your credit profile with the credit reporting agencies.

In many states, you can find non-profit organizations and/or government organizations that will help you with setting up business credit. There are often loans available for start-up businesses and sometimes even government grants. Check your state government web sites for such organizations. Many retired owners and businessmen will volunteer to help start-up businesses. By researching your options prior to a business start-up; you will not be struggling later with questions. With any luck building your business credit will be a smooth transaction with a huge net profit for you in the end!