Credit Card Articles

Is Discover It For Students A Good Choice?

May 15, 2013 by CreditCardsCo™

It's time you get a credit card that understands you're a student. The Discover It for Students is ideal for students because it is affordable and knows how to reward you. You can earn cash back and enjoy easy account management.

The Cash Back Feature

Some cards earn you points, others, like Discover, earns you cash back. You don't have to do anything special in order to earn cash back on the card. You simply use the card anywhere that you want to make purchases. 1% of your net purchase will go into a cash back account that you can view online at any time. If you purchase within specific categories, you will also earn 5% cash back. These categories will change quarterly throughout the year. These categories can include groceries, gas, department stores, and much more.

There is no limit to the amount of cash that you can get back from your purchases. Additionally, the cash back in your account doesn't expire. You choose when you want to redeem the rewards. You can use the cash back to pay for millions of items on Amazon.com, get a statement credit or simply get a check or Discover gift card in the mail for you to use as you wish.

To help you maximize on your cash back throughout the year, there is a cashback concierge. You can call this number to talk to a live expert one on one. From there, the expert will review your account and see what categories you are purchasing in. You will be able to learn how you can maximize on your rewards to earn even more cash back in a year – which allows you to buy more stuff without actually spending any more money.

Easy Account Management

There are many tools provided to you that allow you to manage your account easily. For example, you will have tools for your smartphone and for the computer. As a student, you want to avoid debt whenever possible, so the more you manage your account, the more you can avoid debt because of knowing what you can and can't afford.

Some of the tools you will have access to include:

  • Customer service
  • Online account access
  • Mobile app

Customer service can be contacted with a toll free number. They are based in the U.S. in order to provide you with friendly representatives who can speak to you in your native tongue. Additionally, there is an automated message that you can listen to in order to get up to the minute account details, like account balance, available credit and minimum payment due on the account.

With online account access, you will create a secure account where you can get up to the minute details as well. This includes balance and available credit as well as most recent purchases. You can also view and download statements to your computer and schedule your bill to be paid out of your checking account. You can also schedule your bills to be paid online ahead of time and recurring so you’re never late and never have to give it another moment's thought.

You also have the ability to download a mobile app to your phone. There is a version for Android and iPhone. Once you have the mobile app, you can use the same username and password that you use for the internet to get up to the minute details on your account. This includes such things as your balance and available credit. You can also make a payment on your card in the spur of the moment.

Other Features Of Discover

There are some other features of the Discover card that you will be able to take advantage of. With no annual fee to contend with, it's an affordable card for you to have as a student. There's no fee to take advantage of any features – they are yours to use as you need.

  • No foreign transaction fee
  • No overlimit fee
  • Flexible payment date
  • Online application

Whether you study abroad or you go overseas for pleasure, you can take your Discover card with you. You will never be charged foreign transaction fees when you use the card. This allows you to use your card as often as needed without worrying about paying anything extra.

There is no overlimit fee on the card as well. This means that if you exceed your credit line in a month, you won't spend a fortune in fees because of a simple mistake. If you find you need a larger credit line, you can apply for it with customer service at any time throughout the year.

You will have the flexibility to change your payment date. If you don't like the date your bill falls on each month, you can change it to another date in the year. This will allow you to pay for everything else that you have to more comfortably. You can choose to change the payment date over the phone with customer service or logged onto your account online.

When you are ready to apply for the card, the application is available online. Day or night, you fill out the application when it's right for you. After a basic information and credit check, a decision will be provided to you. You will learn your credit line and your APR. Discover will also expedite the delivery of your card automatically to make it easier for you to start spending. You can activate your card and all the benefits will begin – including the ability to earn cash back.

Conclusion

You will be able to benefit significantly from the Discover card designed for students. You need to focus more on your academics than your debt, which is why this card is beneficial. It is not only affordable, but rewards you with your purchases, too.

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