Miles by Discover Card

Book any travel, anytime with no blackout dates or restrictions
Double Miles on up to $3,000 in travel and restaurant purchases each year
1 Mile for every $1 on all your other purchases
Unlimited Miles that never expire as long as you use your card
Redeem for travel credits to your account, gift cards from any of our 80 brand-name Partners or cash starting at just 5,000 Miles
No Annual Fee
Online Account Access
Online Bill Payment
Complete Fraud Protection for Your Peace of Mind
$0 Fraud Liability Guarantee
Advanced fraud early warning alerts
Secure online account numbers
Fraud specialists dedicated to helping you 24/7
Customer Service That Puts You First
One call, 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-mails to help you avoid fees

Let your everyday purchases take you where you want to go with the Miles by Discover® Card and Travel with no Restrictions - book any travel through any airline, travel agent or online travel site with no blackout dates or advanced bookings.
Earn Miles Faster - Double Miles on up to $3,000 on travel and restaurant purchases and 1 Mile for every $1 on all your other purchases.
Redeem faster with more options - choose a travel credit to your account, gift cards from 80 brand-name Partners or cash.
Plus, receive 12,000 Bonus Miles* and enjoy 0% Intro APR*. APPLY NOW!
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DID YOU KNOW?

	In 1996, I divorced my wife and with that divorce came the normal dividing of property and assets. There also was the discussion regarding our credit card debt. We were married for 5 years and used the credit cards as a couple, but the credit cards were in my name only. Sadly, it became my responsibility to pay for the huge debt that we had created together. If you find yourself in a situation like this, you are not alone. Experts say there has been a 20 percent rise in bankruptcy filings, and it is estimated that a large part of this is due to divorce. But don't worry, if you find yourself in this situation, you will have several options. One thing you could do is file for bankruptcy. Statistics show that many people are doing just that. But you should know that if you choose this option, a bad mark will stay on your credit report for ten years. Another option would be to simply make the payments. But for many people, after going though a divorce, they find that living on one income is a difficult adjustment, and are forced to only make the minimum payments. That can take what seems like a lifetime, to pay off your debts. For example, if you have a debt of $25,000 and are paying an average interest rate of 18%, it would be thirty-two years before you paid off that debt! You could be paying for those purchases well up into your 60’s or 70's! Another option is to seek out professional help. There are several non-profit organizations that specialize in debt relief, and many people seek this type of help after a divorce. Here’s how it works. For a small fee of around $14.00 per month debt relief companies will analyze your credit card debt, living expenses and income in order to determine what type of repayment structure would best work for you. They will then contact your creditors and work with them regarding interest rates, late fees, and payment amounts. Because credit card companies understand that divorce is one of the leading causes for bankruptcy, they usually won't have a problem working with the credit repair company. After all, they do want their money! Non-profit agencies do not report credit counseling to credit bureaus, but most credit card companies do. You may see this as a negative thing, but many people don’t. Credit counseling can be explained a lot more easily than bankruptcy. And bankruptcy is often a deal stopper for someone trying to buy a home, or even purchase a car. While you are in credit counseling you will not be allowed to retain or apply for a credit card, but for most people who find themselves in this situation, that can be a relief. Think about that as you are cutting them up into little peices. I know I did. And with each chunk of plastic that fell in the trash, it was a chipping away of the old and a birth of the new. There’s a feeling of relief that comes over you when you know you don’t have to worry about those mounting credit card bills. And when you are going through a divorce, the more relief you can get, the better.

Wouldn’t it be great if you could get some of that money you spend on credit card purchases back every year? Well, you can. A cash back credit card is the way to go for people who want all the benefits of shopping with a credit card, plus the perks of belonging to a credit company that offers a credit card online. The Bank of America credit card that offers the most flexible form of the cash back reward program is the Financial Rewards Visa Platinum.

When shopping for a credit card online, you may be daunted by the enormous list of choices for a cash back credit card. Don’t worry. The right card is out there. Many people find that the Financial Rewards Visa Platinum is a great card for their needs because of the many ways they can receive their cash back each year.

Cash back:

The Bank of America credit card is secure, as Bank of America is a well established and highly respected institution. When searching through their options for personal use credit cards, be sure to notice the features of the Financial Rewards card. They include the following:

An interest free trial period. This means that you will be charged 0% annual percentage rate (apr) for the first six months that you have the card. If you purchase the credit card online, you can use the website to read all the fine print of this offer, but basically if you stick to making your payments on time and don’t go over your credit limit in the entire six months, you will not be charged interest. This trial period also applies to balances that you transfer from other credit cards. So if you are interested in debt consolidation, you might check out this card as an option. Paying no interest on all that money you owe would be a great help in lowering your balance.

With the Bank of America credit card, you are not charged an annual fee. This is great news for those people who don’t pay their full balance each month because the fee would normally be tagged on to the amount they owe, therefore accumulate interest. With no annual fee, you pay less over the long run. And if a cash back credit card is what you’re looking for, then shelling out the cash you get back just to pay an annual fee seems to defeat the purpose.

Your cash back amount is determined by how much you spend over the course of a year. The dollars you spend are translated into points. Judging by how many points you have at the end of the year helps Bank of America issue your cash back. You get five free points just for using your card the first time. Thereafter, you get one point for each one hundred dollars you spend.

You can get your cash back in a number of ways. Bank of America can issue you a check for the full amount. You can have the amount applied to your credit card online. Or you can use the money as an incentive with the company to lower your apr.