Credit Card Review & Application
Discover® Student Card - Tropical Beach
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Shop Discover site
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
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| Intro APR: | 0%* |
| Intro Period: | 9 months |
| APR: | 13.99% - 20.99% (variable) * |
| Annual Fee: | $0.00* |
| Issuer: | Discover Bank |
| Card Network: | Discover® |
| Card Category: | Student (Regular) |
| Card Type: | - Instant Decision Card - Reward Card |
| Credit Needed: | Fair* |
Discover Student Card - Tropical Beach is a credit card designed for students and young adults. It's card charging highly competitive interest that's low amongst competing cards. Better qualified card members avail a short-term 0% introductory APR period on purchases.
Even members who already own other cards charging higher APRs are taken care of through a stress free balance transfer process. Cash advances like ATM withdrawal is another feature set to make cash easily available provided a Discover accepting ATM is nearby.
This card charges no annual fee meaning card members do not have to pay a lump sum every 12 months - such monies are rather used to offset monthly statements.
On the card reward program, card members earn a full 1% on virtually all purchase transactions once having exceeded $3,000 in annual purchasing. Members who don't spend as much earn .25% from scratch and .50% above $1,500 in annual purchasing.
As cash bonuses accumulate, members get the opportunity to redeem more rewards from a check, to gift cards, and merchandise. Another reward option is to pad up the card balance. There is no yearly limit and card members can keep accumulating cash till the card becomes inactive or delinquent.
As a young adult who's still new to credit cards, forgetting to pay up is a huge possibility. To help avert unnecessary fees, an email reminder feature sends notifications to card members with upcoming payments.
Internet related services are built to serve card members who want to shop online and keep track of purchases. Online secure account numbers helps secure online transactions by concealing the true credit card numbers with a computer generated number that expires after a pre-set period.
With over 8 million Identity Theft victims, Discover protects its card members who fall victim through a zero fraud liability guarantee. An advanced fraud early warning alert may also protect cards from unauthorized usage.
Discover Student Card - Tropical Beach is a standard credit card designed to suit students who plan to take advantage of numerous benefits made available. There's no annual fee to worry about and interest rates are highly encouraging.
See applicable terms and conditions before applying.
| Reward Type: | - Cash Back Reward Cards |
| Reward Unit: | Cash |
| Rewards: | - 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* - Up to 20% Cashback Bonus at popular retailers when you shop online through Shop Discover site - 1% unlimited Cashback Bonus on everything else you buy |
| Expiration: | None |
| Yearly Limit: | None |
| Other Benefits: | - Several card designs to select from - Various Internet account related services - $0 liability for unauthorized transactions - Discounts on products and services at participating merchants and retailers |
| Online Account Access: | Yes |
| Introductory APR: | 0%* |
| Applied Towards: | Purchases |
| Introductory Period: | 9 months* |
| APR on Purchases: | 13.99% - 20.99% (variable)* |
| Annual Fee: | $0.00* |
| Grace Period: | 25 days* |
| Min Finance Charge: | $0.50 |
| Late Payment Fee: | $39.00* |
| Over Limit Fee: | $39.00 |
| Balance Transfer: | Yes |
| Transfer Fee (%): | 3.00% |
| APR Cash Advances: | 23.99% |
| Cash Advance Fee: | 3.00% |
| Minimum Fee: | $5.00 |
| Additional Fees | There are no additional fees for this card |
| Apply Now |
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† The information provided for Discover Student Card - Tropical Beach is believed to be accurate at the time of evaluation (Feb 1, 2012). We strongly advise visitors to review the terms and conditions provided to verify accuracy of the information posted prior to applying for the product.
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