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Sunday, March 1st 2015

Discover it for Students

Discover® it for Students

Apply for the Discover® it for Students by filling out a secure online application.


Discover® it for Students Discover it for Students

At Discover's
secure site

Discover it for Students Application
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • 100% U.S.- based customer service— day or night.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 months 10.99% 6 months 12.99%-21.99% Variable* $0 Fair Credit

 

Discover it® for Students

Purchases   Annual Fee : $0
Intro APR : 0% Credit Needed : Fair
Intro APR Period : 6 months
 
   
Balance Transfer  
Intro APR : 10.99% (Variable)
Intro APR Period : 6 months
   
Regular APR : 12.99% - 21.99% (Variable)

Discover it® for Students Review

By: Sr. Product Analyst

Last update: February 18, 2015

 

If you are a student searching for a credit card, you've come to the right place. Discover offers some of the most competitive student products on the market. With four solid student offerings, the hardest part is going to be choosing which card is right for you. Here are the basics for the Discover it® for Students:

Sign up bonus None
Rewards
  • 5% cash back on up to $1,500 in combined purchases at categories that change throughout the year. You must sign-up each quarter.
  • 1% cash back on all other purchases.
  • Free monthly FICO score which can be viewed online, or on your monthly statement! (only a few banks are offering this to their customers—click here for details).
  • No expiration date on rewards.
APR
  • 0% intro APR for 6 months on purchases.
  • 10.99% (Variable) intro APR for 6 months on balance transfers.
  • 12.99% - 21.99% (Variable) applied to purchases and balances transfers thereafter.
  • 24.99% (Variable) for cash advances.
  • Late payments do not raise your APR.
Annual Fee None
Credit needed Fair
Foreign transaction fee None
Balance transfer fee 3% of amount, with minimum of $5

Additional Details:

  • It's easy to redeem your cash back! Here's a list of your options:
    • Direct deposit your rewards directly into your savings or checking account
    • Receive a statement credit on your Discover account
    • Link your Discover It card to an Amazon account, and redeem cash back for Amazon purchases
    • Donate your earned rewards to your favorite charity through the Discover.com portal
    • Redeem points for gift cards offered on Discover.com, which can often be purchased at a discount
  • Shop through Discover's exclusive ShopDiscover.com to earn up to 25% cash back bonuses on dozens of popular retailers.
  • There are no fees for going over your credit limit, and no fees for your first late payment. Discover is only one of two major credit card companies that have eliminated over-limit fees.
  • Discover offers a referral program which allows you to receive $50 for each friend you refer that becomes a new card member. As an added bonus, your friend will receive a $50 Cashback bonus as well! Referrals can be made online, and are limited to 10 per year.
  • If you find a lower price on an item you ’ ve purchased in the last 90 days with your Discover card, Discover will reimburse you the difference between the two prices, up to $500.
  • While not often touted as a travel card, Discover offers many travel perks such as car rental insurance, roadside assistance and baggage delay insurance (up to $500 per claim) when you purchase travel with your card.

Special Notes:

  • Student cards that earn 5% cash back aren't easy to find. Discover is leading the pack with this unique offering.
  • In a 2014 U.S. Credit Card Satisfaction study by J.D. Power, a global market research company, Discover tied for the top position with only 11% of customers reporting a problem or complaint with their cards. Discover received 5 stars for every single category listed in the survey.
  • Discover's customer service centers are based in Utah and Delaware, and representatives are available 24/7.


Areas of Limitation:

  • Discover may not be as widely accepted as Visa or MasterCard, however, the online shopping portal's increased cash back possibilities may make finding a retailer that accepts Discover worthwhile. Moreover, when traveling, Discover is widely accepted and works as a domestic card in China thanks to its partnership with Union Pay. This is applicable in East Asia and Japan as well.

The Final Word:

Discover it® for Students is a solid cash back card for students looking for consistent cash back earning opportunities and great customer service. Cash rewards are simple to redeem, and are available whether you want to save, shop, or pay down your balances. If you love the cash back earning opportunities, low fees, and customer service that come with the Discover it® for Students card, but you don't have the discipline to sign up for quarterly rewards categories, check out the Discover it® chrome for Students, where you'll be able to earn 2% cash back on gas and restaurant purchases on up to $1,000 in purchases each quarter, with 1% cash back on all other purchases.

 

BankAmericard Travel Rewards Credit Card

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Helpful Links:
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All reviews are prepared by CreditCards.com staff. Opinions expressed there in are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

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* See the online Discover it® for Students application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.

Still undecided or looking for a second credit card to apply for?
CLICK HERE TO SEARCH, COMPARE, & APPLY FOR CREDIT CARDS ONLINE

Ratings and reviews provided by issuer as of 1/9/2015.
See the latest reviews on the card issuer's site.

Customer Reviews


Rating Snapshots (Total 942)
5
781
4
142
3
12
2
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4
  1. Username: Jedi
    Age: 18-30
    Great Rewards!
    2014-05-13
    I stopped using my other Credit Card because the Cash Rewards that Discovers offers are OUTSTANDING! Pays for my Gas!!! THANK YOU DISCOVER CARD! =)
  2. Username: Annex
    Age: 18-30
    Member Since: 2013
    Good Card
    2014-05-13
    The card is good for someone who wants their first credit card such as a college student. The benefits are great but the only thing is that the 5% cash back program which switches every 3 months or so is limited. There are a lot of other things you can get cash back on don't get me wrong but its not as much.
  3. Username: CollegeKid1
    Age: 18-30
    Member Since: 2013
    Discover for College
    2014-05-13
    As a college student, the It Card is the only card I could get. I don't have credit being so young, Discover gave me a chance to start building. However, I still had to have my parents co-sign for it. I love my card, the online account allows me to track everything I buy. I haven't used any other services yet, but so far so good.
  4. Username: CollegeKid1
    Age: 18-30
    Member Since: 2013
    Discover for College
    2014-05-13
    As a college student, the It Card is the only card I could get. I don't have credit being so young, Discover gave me a chance to start building. However, I still had to have my parents co-sign for it. I love my card, the online account allows me to track everything I buy. I haven't used any other services yet, but so far so good.
  5. Username: Kelly92
    Age: 18-30
    Great Starter
    2014-05-12
    This is a good card for young people just starting off and learning about credit. The free credit score at every statement is super convenient.
  6. Username: shank
    Age: 18-30
    Member Since: 2013
    Great starter card
    2014-05-12
    This Discover card is great for students who want to build their credit history. It has a lot of tools to track expenditure, your FICO credit score and more and also has 5% cashback on various stuff depending on the time of the year.
  7. Username: DiscoverBob
    Age: 18-30
    Member Since: 2013
    Great Credit Card Company
    2014-05-12
    I have had no problems with Discover except the FICO credit score, I received my score the when I applied for the card but I have not seen it on my statements since. This is not a big deal except that it is in the commercials as one of their big perks for monthly FICO scores.
  8. Username: rrc28
    Age: 18-30
    excellent card
    2014-05-12
    great card!! no annual fee and low APR, I have the one for students and I love it
  9. Username: DiscoverItFan
    Age: 18-30
    Member Since: 2013
    Wow, What a Card!
    2014-05-12
    Honestly speaking, I can say without a doubt the Discover It card has been the best card I have ever used (I have had it a full year). The customer service is phenomenal, with real people picking up the phone! The online features are incredible with Spend Tracker being one of my favorite ones! And I have recommended this card to several of my friends over other cards because I feel Discover really did me well with this card. I gave this card 5 stars for a reason, because I feel it truly is deserving of such a score. I don't believe anyone could go wrong with the Discover It card, and I would recommend it to anyone!
  10. Username: Balwanth
    Age: 18-30
    Member Since: 2013
    Cask Back Bonus
    2014-05-11
    Its very poor to redeem cash back bonus we have to wait till 50$ to redeem. this is the main drawback, and rest of all its very good.
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