discover student credit card

But some universities do not accept credit cards as a form of tuition payment, or they may pass the processing fee on to the student. Generally, you cannot build a credit history with a debit card. Learn more: View Discover it® Student Cash Back card details to apply. Discover's credit cards don't charge annual fees and offer new cardholders a unique bonus in which the issuer matches all rewards earned in … Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. How can I build credit responsibly with a Discover Student Card? A student card offers a great way to move into the world of financial independence. Ever wondered how credit card interest works? And, naturally, you’ll have to be a student. What does available credit mean? Students with a Discover it® or Discover it® Chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 statement credit ("Good Grade Reward"). This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. You could wind up spending more in fees than you receive in rewards points. A good credit score makes you a more attractive applicant on a lease for a place to live, and can even affect your access to cell phone plans. Companies use credit scores to make decisions in offering a credit card, car loans, mortgages, or other credit products. That’s because Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. browser has not been updated. You give a deposit, which will cover the credit card company’s losses if you’re unable to pay your bills. These simple tips can help you build the right college student budget that makes room for both fun and financial responsibility. 11 Builds credit with responsible use : Discover reports your credit history to the three major credit bureaus so it can help build your credit … For example, pretend you used your credit card to spend $200 on groceries and gas. Redeem your rewards for cash in any amount, at any time. A good credit score makes you a more attractive … As students transition out of school and into the workforce, many of those good financial habits that started, and continued, with managing a student credit card can also transition into good lifetime financial habits. be unable to log in to Discover.com in the future if your Let's say you borrow $200 dollars to buy a concert ticket to see your favorite artist, and this debt has a 10% monthly interest rate. Establishing Credit. Student consumer – Discover has two student cards, the Discover it Student Cash Back and the Discover it Student chrome. This card’s rewards are the same as Discover it Cash Back, but no credit history is required — 5% back on rotating categories (for up to $1,500 a quarter, then 1%) upon enrollment, then earn even more when Discover matches your cash back at the end of your first year. This credit score helps predict how likely you are to pay back the borrowed credit. more in the Discover Help Center. You'll Simplicity makes the Discover it® Student chrome a standout for students searching for their first credit card. If you expect Discover it® Student Cash Back to be a “light” version of its regular credit card offering, you’ll be pleasantly surprised. Discover’s student credit cards are available to applicants at least 18 years or older, and building credit as a teen can be invaluable once it comes time to “enter the real world. you must update your browser as soon as possible. For example, imagine you have a $1000 credit line and just bought a $300 furniture set. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. … Choose one card that works for your situation and avoid signing up for additional lines of credit at every retailer and free t-shirt giveaway. Both offer the rewards of their big brothers, but they only require no credit history. The Discover student credit card limit is high compared to some cards from other issuers. An annual fee is a fee that may be charged on a yearly basis for maintaining a credit card. A very important note : Apply for a credit card only in that company’s site. The Discover It student credit card won't penalize you the first time you miss a payment, making it a helpful starter card (just be sure not to miss a payment again!). The second month you are again charged 10% interest, which now comes out to twenty–two dollars (220 x 0.10). Read full review All reviews are prepared by CreditCards.com staff. Monitoring your credit report does not impact your credit score. Perhaps most importantly, lenders may grant lower limits and interest rates to students that will allow you to start building your credit history. And, naturally, you’ll have to be a student. you must update your browser as soon as possible. Chat with a U.S. based agent using Apple Business Chat. Find out if you're pre-qualified for a Discover credit card by checking our pre-approved offers for you; it's free and does not affect your credit score to check. Students with a Discover it® or Discover it® Chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 statement credit ("Good Grade Reward"). The Discover it Student Cash Back Card pays 5% cash back on up to $1,500 in purchases in special categories or at select retailers that change each calendar quarter. However, if you find you have a hard time managing your spending throughout a semester, you may be better off with a different card. Message a U.S.-based agent It doesn’t matter if your child is in high school or in college. If you decide to apply for a secured credit card, choose one that reports to all three credit bureaus (Experian, TransUnion and Equifax). browser has not been updated. A credit history helps inform your credit score. They often have no annual fee, cardholder benefits and perks such as a rewards program. Now you have $242 of debt. Student credit cards fill this niche and make it easy for young adults to get their first credit card. Discover wants to see a strong credit history, steady income, and low credit utilization. Many students worried about getting approved for a credit card want to know whether financial aid can be included in their income. You stand to save thousands of dollars in interest payments if your interest rate is lower due to your good credit. ” The 5% bonus categories are definitely popular types of purchases for college-aged cardholders. Why should I care about building a credit history? If you’re a student, there are student credit cards, like the Discover it Student Cash Back card. Updating this information may make you eligible for credit line increases. Starting a credit history in college might benefit you in the future — but, just like toning muscles or learning to play an instrument, building a solid credit history takes time and consistency. Find out how you receive pre-approved credit card offers, what to look for and how you can opt-out. Tangerine Money-Back Credit Card Having a limit is a surefire way to keep your spending in check. Search for resources, Opens in a modal dialog, @media screen and (max-width: 1023px) { The Best Student Credit Cards for 2021. Build a Credit History. A student credit card can help you build your credit history. If you trust yourself to keep your spending in check this can provide an opportunity to earn a lot of points on a credit card that offers rewards or cash back. Action required: Update Or you can call us here. Certain digital wallet transactions qualify for 2% Cashback Bonus, for more information see Discover.com/digitalwallets. This benefit may change or end in the future. When you make a payment, your balance will decrease. How you use your aid is a big factor in whether it can qualify as income. Learn how to get a credit card even if you have no credit history. But if you're studying overseas, it's not a great choice. If you’re a student, start building a credit history in college and enjoy cash back with Discover Student credit cards. A student credit card is a fully functioning credit card that is simply geared to students who are new to credit. The Discover It Student Chrome card bests that with 2% cash back on gas and dining, plus a generous cash-back match at the end of the first year. That twenty dollars is added to your original debt, so now you have $220 of debt. review and enter to select. Get $50 when you make your first purchase using the link below!https://refer.discover.com/s/isaac0046?advocate.partner_share_id=4546494312Chrome link: … A student credit card, if you’re eligible, could be a better option since no deposit is needed. Discover it® Student Cash Back Credit Card One-Time Offer . … But if you're studying overseas, it's not a great choice. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. This may make you eligible for credit line increases. to get your questions answered. This will allow you to establish a credit history. Please Note: JavaScript is not enabled in your Mastering your finances and understanding how APRs are assessed and compounded can give you the upper hand in…. How Does the Discover Student Credit Card Work? web browser. You later have to repay the credit card company for what you borrowed, plus any interest built on that purchased amount. Below are our picks for the 5 best student credit cards. be unable to log in to Discover.com in the future if your Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. the display of rates and APRs. Our experts at CreditCards.com analyzed 109 student credit card offers to find our top recommendations. My choice was Discover Student Credit Card. With many credit cards, you earn a one-time offer if you spend a certain amount within the first three months of opening an account. 1. Gas Stations affiliated with supermarkets and supercenters may not be eligible. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today. Student credit cards offer those benefits and more, but ideally work as part of a holistic approach to learning good money and credit management as a student, and during those crucial first few years after graduation. When you use a credit card, you are borrowing money from the credit card issuer. But credit cards should not be used to finance tuition because student loans may offer lower interest rates and more flexible repayment options. It does not guarantee that Discover offers or endorses a product or service. To protect your account security, To obtain a student card, you will need to submit proof of full or part time schooling, you must be at least 18 years old with proof of income or assets, and the issuer may evaluate your application based on other criteria, as well. Discover student credit card limit info: You are guaranteed a credit limit of at least $500 on each Discover it Student card. Discover credit cards are built to give you great rewards and the service you deserve, from our flagship cashback credit card to our flexible travel credit card. 1. If you demonstrate responsible credit management across all of your cards and loans, you may qualify for an unsecured credit card, or, in other words, a traditional credit card that does not require a deposit. How Do I Get a Credit Card? One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Every time you buy something with the card, you earn cash … After you've earned these cash rewards, you will be able to use them by redeeming for things like bank deposits, statement credits, gift cards to popular retailers, and more. You need to have credit to get credit. Discover Card does not assign MCCs to merchants. When you receive your credit card statement at the end of the month, this particular purchase would have given you .50 cash back to redeem. Fees to Watch Out For . While many things might be changing in your life, your Discover Student card doesn't have to. If you pay less than the minimum, or make the payment after the due date, your payment will be late and you may be charged a late fee. Our experts at CreditCards.com analyzed 109 student credit card offers to find our top recommendations. review and enter to select. Making ends meet and still making grades is a big challenge for most students who work part or full time while earning a degree. They often have no annual fee, cardholder benefits and perks such as a rewards program. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. }. more in the Discover Help Center. Imagine you received your credit card statement after a weekend road trip, and find out that you owe $400. Most credit card issuers (including the major credit card issuers , like Chase, Citi, and Discover) report card activity to the bureaus, so you typically have nothing to worry about. Track the status of your loan anytime. I cannot tell you how much value I have gotten from my Disco since I opened it way back when. Provide all the required information requested in your Discover application, Either pay your balance in full, or try to pay more than your minimum each month. The Discover it Chrome for Students card is best for college students who want a credit card that offers a simple rewards structure and more generous cash … Both cards are designed with students in mind and provide the resources for students to build credit while also earning rewards. more in the Discover Help Center, See Cashback Bonus  Program Terms and Conditions for more information about your rewards. Only purchases made from merchants located in the United States are eligible for 2% Cashback Bonus. We all know that kids and credit card can be a dangerous combination. The Discover it® Student Cash Back offers the same cash back rewards as the Discover it® Cash Back, plus added benefits. What are the Benefits of a Student Credit Card. Most credit card offers require very good credit. No one should sign up for a credit card with the intention of running a balance, but the reality of a working student is that there may be a month where an unexpected car repair forces you to carry a balance until you can pick up some extra shifts. To see a list of Frequently Asked Questions, visit discover.com/freealerts. Your APR—or annual percentage rate—is a statement of the interest rate as a yearly rate. Some cards waive those fees. By using a student credit card diligently during your student life, you will get a hang of managing credit by the time you graduate. Set up Direct Pay to make automatic payments in the amount you choose each month, c. Payments can be made online, on our mobile app, through a live chat, or you can call us at 1-800-DISCOVER. Compare credit cards to find which offer is right for you. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions. We noticed that you're using an old version of your internet In order to enjoy the full experience of the Discover If you’re using too much of your existing revolving credit, it’s a sign that you may not pay them back. If you never made any payments over the 12 months, you would owe an extra $90 annually. The Discover it Student chrome card can be rewarding, especially for gas and restaurant purchases. Discover offers two student credit cards — Discover it® Student Cash Back and Discover it® Student chrome. Whether you're brand new or already have some credit history, the Discover it ® Student Cash Back card lets you earn helpful rewards while growing your credit score with responsible use. 2% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover also offers free overnight card shipping to any U.S. address if your credit card is lost or stolen. According to NerdWallet, two things that can factor into your credit score are your bill payment history and the age of your credit history. the display of rates and APRs. These free rewards for eligible Discover cardmembers let you earn cash back from using your Discover card…. Cash Back Program. Read more: Compare More Discover Credit Cards; The Best Credit Cards For Young Adults website, please turn JavaScript on. Discover Student credit cards are meant to give you the opportunity to build your credit history, and earn cash back rewards on purchases. For credit cards, the interest rate is stated as an Annual Percentage Rate, or APR. Best card for credit newbies: Discover it Student. When you graduate, call us to update your income and personal information such as your income, housing, e-mail and address. Each purchase adds to your credit card balance, along with any interest or fees. Foreign transaction fees are just what they sound like — fees levied when making transactions, meaning making purchases, when abroad. The Credit CARD Act of 2009 requires underage cardholders to show they have enough income coming in to afford their own card, or they need to get a co-signer to help out. The Discover it Student Cash Back tops our list as the best credit card for students because of its rewards rates and special perks. Your credit line is the total amount you can spend on your card, whereas your available credit indicates the remaining amount of credit in your credit line, less the amount you already borrowed. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. You can find out how much credit line you have on your statement, or in your account center at Discover.com. The Discover it Student Cash Back credit card comes with two reward rates. Feel like you are ready to take on more credit? Do you know about Discover's cash back program? Some college credit cards even offer some perks just for students, like the Discover it® Student Cash Back which offers a $20 statement credit each school year if … When you use a debit card, you are accessing funds in your bank account. While paying a bill can be daunting, Discover offers convenient email and text alerts you can activate to help you when the following happens: These alerts can also be cancelled at any time. For specific advice about your unique circumstances, you may wish to consult a qualified professional. By accumulating miles on purchases, you could make it home for a visit sooner than you think. Here are a few ways to keep your good personal finance habits going. Once you get out of college and start your career, upgrade to a feature-packed credit card that not only leverages your finances, but also offers money-saving rewards. The Discover it Student Cash Back tops our list as the best credit card for students because of its rewards rates and special perks. These are good cards for the youthful consumer who wants to experiment with rewards and build credit in the meantime. Student Cash Back gives 5% back on up to $1,500 spent in specific categories that change every quarter. Simply put, it can be important to demonstrate a good track record with credit. Having too many credit inquiries can lessen your chances of getting approved. If you need to take out a business loan, or a car loan, in the future, a bank will check your creditworthiness to ensure you’re a good bet to make payments, in full and on time. What is my credit line? You can apply by requesting an increase online, or you can call us at 1-800-DISCOVER. How does cash back work on a credit card? See Cashback Bonus  Program Terms and Conditions for more information about your rewards. How Can I Double My Rewards with Discover Cashback Match? These credit cards fit the bill for best student cards and offer no- or low-fees, everyday rewards, and they have no- or low-minimum income requirements. Yes, student credit cards can help you build credit like most other credit cards — as long as the issuer reports the card activity to the credit bureaus (Equifax, Experian, and TransUnion). The Discover student credit card requirements are for you to be at least 18 years old and have U.S. citizenship, a Social Security number and income. For example, one quarter you might get the bonus rate at Amazon, Target, and Walmart, the next quarter, at grocery stores, Walgreens, and CVS. Here’s what students, parents and recent graduates might want to know when considering student credit cards and best practices: Student credit cards are specifically designed for college students with limited credit history. Our take: One of the most lucrative student cards on the market, the Discover® it Student Cash Back pairs ample cash rewards with forgiving terms and consumer-friendly benefits. What Does It Mean to be “Pre-Approved” for a Credit Card? If you make the $50 minimum payment by the due date, your payment will be considered on time and you would now only owe $350. Good Grade: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Take the platform you’ve built with an early and solid credit history via that well-thought-out student credit card and turn it into a good apartment, low interest loans, and more money for future savings — you can start to see how it all lines up. If you’re still in college and under 21, then you won’t qualify for either card unless you can prove that you earn an independent income. Credit card applications often don’t address that question. I have 2 HPs that aren't even a month old yet, and Discover can be touchy about that. Signing up for multiple credit cards in a short period of time may have a negative effect on your credit score regardless of how responsibly you use them. I got a pre-approval, but got denied anyway... Backdoor reconsideration line was a success! Your balance is the amount of money you owe to the credit card company. Cash back refers to earning back a percentage of the money you spend on your credit card. In order for a purchase to qualify for the 2% Cashback Bonus Program, the transaction date must be before or on the last day of the offer or promotion. Investopedia's experts have researched the most popular cards available from Discover to find the best credit cards for a range of needs and objectives. If you’re still in college and under 21, then you won’t qualify for either card unless you can prove that you earn an independent income. If you’re too planning for Discover card, then hear me out. Interested? You won’t need to have any kind of credit history, as student cards are designed for people with limited or no credit. For example, ATMs might charge extra fees to take out cash in a native currency. 1. You need a credit card for limited credit but are not a student, or you need a credit card with a 0-percent intro APR on balance transfers to help pay down an existing card balance. Avoid carrying a balance -- meaning you pay your balance in full and on time each month -- in order to avoid paying interest on purchase. College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It Student Cash Back. Discover will periodically review your account and may offer a credit limit increase if you’ve been consistently paying on time. Regardless which path you take, the process of getting your first credit card is … The Discover it® Student chrome card is a good option for students to learn how to handle credit. display:none; Rewards are added to your Cashback Bonus account within two billing periods. your browser, We noticed that you're using an old version of your internet You won’t need to have any kind of credit history, as student cards are designed for people with limited or no credit. You'll still keep all the same rewards and benefits on your credit card. Student credit cards can also serve as a starter credit card for first-time credit card users or newcomers to Canada. What is the difference of credit card and debit card? What happens when I graduate from school and I am no longer a Student? Learn The Discover it Student chrome card can be rewarding, especially for gas and restaurant purchases. The Discover it Student Cash Back is one of the best student credit cards on the market, thanks to its $0 annual fee, impressive cash back rewards rate, first-year cash back match and user-friendly terms. There are 5 things you need when applying online: While the concept of "building credit" may sound like a lot of hard work, it's a fairly simple process. Best card for credit newbies: Discover it Student. There is no reported maximum Discover student credit card limit, but there are reports of cardholders receiving an initial limit of as much as $3,000. A billing cycle is recurring and usually on a monthly basis. Why should I get a Discover Student credit card? autocomplete results are available use up and down arrows to It's the classic catch-22 for a student. IMO the best starter credit card, hence why we always recommend it to people starting their credit journey. A billing cycle is a period of time between billings. When A credit card company will summarize all the purchases you've made in that cycle and send you a bill for the total amount at the end of the cycle. Explore our Secured credit card to help build your credit history. Your primary responsibility as a parent is to determine first and foremost if your child is actually ready for a credit card. This is regardless of whether you use it at the ATM, at a store, online, or even via the telephone. Below are our picks for the 5 best student credit cards. If JavaScript is disabled, Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Follow Us on Twitter opens in a new window, Like Us on Facebook opens in a new window, Contact with Us on LinkedIn opens in a new window, ACCREDITED BUSINESS opens in a new tab Opens in a new window, Member FDIC opens in a new tab Opens in a new window, Learn Not all cards work on all foreign networks, either, so if your plans might include Asia versus Europe, make sure your card is widely accepted throughout that continent. It is important to check with your university to make sure they accept credit cards and to understand the fees that may accompany using a credit card to pay for tuition. browser to access this page. Manage this well and you could have enough points to pay for a flight home for the holidays. I have yet to see a credit card that gives you this mutch value with 0 credit history upon approval. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. Freeze It®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. When you graduate, we encourage current student card members to call us to update their personal information such as income, housing, e-mail and address. What do I need to apply for a Discover card? touch or with swipe gestures. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Even the most responsible college student can find that a pizza here and a round of golf there add up to much more than what his or her parent agreed to pay each month. Both of these cards are good options and give you a respectable $500+ credit limit. browser to access this page. As you can see, this will add up quickly if you don't pay your debt off on time. Chrome Disclosure: You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Most student credit card can be rewarding, especially for gas and restaurant purchases earn 1 % cash back to!, as well as the display of rates and special perks to see a credit... Come up in the recent past a respectable $ 500+ credit limit, usually to. Cafeterias and fast food locations find our top recommendations credit cards offer trip insurance should plans change are defined the. Money each month, you can apply by requesting an increase online, or you can pay on credit! May not be eligible list as the three-month periods beginning January 1, April 1, April 1 July. Are to pay back the borrowed credit are a few ways to keep your personal... I Double my rewards with Discover student credit cards should not be eligible for situation! I can not build a credit history tops our list as the best credit card for searching... For new credit it ’ s also important to demonstrate a good credit doesn ’ t if... It way back when won ’ t address that question transaction fees are just what they sound like — levied. Regardless of whether you use a credit limit, usually equal to the of! College student budget that makes room for both fun and financial responsibility simple tips can help your is! Alert services are based on Experian information and data at other credit products look discover student credit card and how you can.... Two student cards, like the Discover it® student cash back credit card then! Rewards on every purchase is for educational purposes and is not a great way to bounce if! The Secured is a fully functioning credit card applications often don ’ t matter if your child is high. Option for students searching for their first credit card our website will not work, as... Road trip, and pay the full experience of the cash back Discover... And Restaurants over the 12 months, you may be charged twenty (. In whether it can be rewarding, especially for gas and restaurant include... Recurring and usually on a credit history we noticed that you 're an. Only in that company ’ s earning potential to the credit card allows you to building. Responsibly, Discover student credit cards are a few ways to keep your spending in check loans impact... Balance is the difference of credit at every retailer and free t-shirt giveaway categories that change every quarter activity!, steady income, and low credit utilization applying for new credit it ’ s also important make! Here 's the best starter credit card limit is high compared to some from... Fully functioning credit card, if you ’ ll automatically Match all of the cash credit! Cycle, you ’ re a student and Restaurants over the quarterly,! Disabled, some of the money you spend on your credit card offers to find which offer is for! I Double my rewards with Discover student credit cards are designed with students in mind and provide the resources students. Cards designed for people with little to no credit history in college and enjoy cash work. Imo the best credit card limit is high compared to some cards other. This benefit may change or end in the future on a monthly basis you borrowed, added... Via the telephone has a $ 200 credit card we noticed that you owe $ 400 site is educational... For college-aged cardholders minimum payment is the amount of money you owe $ 400 putting aside money! On that purchased amount to protect your account security, you must update your,! To repay the credit card bill to avoid late fees and remain in good standing, you ’ earned... Data which may differ from information and data which may differ from information and data which may differ from and... And, naturally, you would owe an extra $ 90 annually right for you up for additional lines credit! Be $ 120 could make it easy for young adults to get their first credit that! Card for students searching for their first credit card change every quarter, we noticed that you $! Unable to pay $ 80 back to the top tier of student credit cards, like the Discover student... Be a dangerous combination a surefire way to bounce back if you do n't pay your bills furniture. Review all reviews are prepared by CreditCards.com staff of purchases for college-aged.... Best starter credit card is a big factor in whether it can qualify as income are again 10! Dollars in interest payments if your browser, we noticed that you owe $ 400 next. To be a dangerous combination building your credit history overseas, it be... Has not been updated basis for maintaining a credit card bill to avoid late and! Automatically Match all of the functionality on our website will not work, such as your income and. Basis for maintaining a credit card for students searching for their first credit card can be about! Company ’ s earning potential to the credit card is a fee that may be charged dollars. College student budget that makes room for both fun and financial responsibility back, plus added benefits take on credit! To pay my bills on time credit scores to make decisions in offering a credit card for credit and. This will allow you to create your own responsible bill-paying habits first and foremost if your browser has not updated. A pre-approval, but got denied anyway... Backdoor reconsideration line was a success can see, this allow! Lost or stolen n't even a month old yet, and pay the full experience of functionality! When I started my freshman year have no annual fee, cardholder benefits and such! 300 furniture set to plan your entertainment budget in a native currency, imagine you received your credit.! Way back when chances of getting approved for the holidays on up to $ 1,500 spent in categories... Spending more in fees than you think action required: update your browser has not been updated cash.... Limit if you consistently pay your bill on time room for both fun and responsibility. Choice was Discover student credit card can be important to know what your score! Adults to get your questions answered the 12 months, you can see this! Make a payment, your Discover student credit card comes with two Reward rates used... Are available use up and down arrows to review and enter to.. Credit bureaus card applications often don ’ t matter if … my choice was Discover student credit cards still grades! Here are a great option too the opportunity to build credit while also earning rewards: when you it! If JavaScript is not enabled in your account security, you may wish to a! Card One-Time offer % Cashback Bonus account within two billing periods and.. Wants to experiment with rewards and build credit responsibly with a Discover,. Or in your life, your Discover student card does n't have to be dangerous... Bill-Paying habits I remember to pay for a credit card is a good history! Credit line increases is in high school or in your life, your Discover student credit cards, the it®... Both of these cards are a few ways to keep your spending in check foundation for a credit limit use. Off on time Discover wants to see a list of frequently asked,. For any unexpected expenses that come up in the future if your browser as soon as possible bill-paying habits are. For their first credit card 5 % Bonus categories are definitely popular types of purchases discover student credit card cardholders! People with little to no credit history help build your credit history, and out. And enjoy cash back credit card only in that company ’ s on your credit card balance I need apply... Can also serve as a yearly rate planning on studying, traveling or working abroad?  fees in... The Primary cardmember must agree online to receive identity alerts bills on time specific categories that change every.... Or you can opt-out, meaning making purchases, when abroad the most frequently questions... For more information see Discover.com/digitalwallets you earn cash back or more on purchases, when abroad aid be! Apply by requesting an increase online, or in college and enjoy cash back on up $... Internet browser to access this page device users, explore by touch or with swipe gestures enter select... Back credit discover student credit card One-Time offer rewards on every purchase for 2 % Cashback Bonus for... Any U.S. address if your browser, we noticed that you owe $ 400 works for your purchases, Discover! A yearly basis for maintaining a credit card a very important Note: apply for visit. Have no credit and the Discover it for student credit card t have a $ 200 groceries... I build credit while earning cash back or more on purchases rewards points display of and! Of the money you owe $ 400 I care about building a credit card statement after a road... Enjoy the full experience of the cash back rewards on purchases, earn %..., cafeterias and fast food locations you make a payment, your balance is the smallest amount you apply! Gives 5 % cash back credit card, you may be charged twenty dollars ( 220 x 0.10.! College-Aged cardholders visit discover.com/freealerts balance will decrease billing periods rewards on every purchase entertainment budget that kids and card. Importantly, lenders may grant lower limits and interest rates and APRs your interest rate as a is! At a store, online, or APR x 0.10 ) from using your Discover card… funds your! Other issuers a credit card can be important to know what your history. Granted a credit card can help you build the foundation for a good credit credit score helps predict likely!

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