Credit Card Review & Application

Discover it for Students Credit Card


out of 5

- 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% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
- Free FICO® Credit Score online and on monthly statements*.
- Talk to a real person any time with 100% U.S.-based service.
- Looks out for you-since 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."

Introductory APR: See Terms*
Introductory Period: See terms
APR on Purchases: 12.99% - 21.99% (variable)*
Annual Fee: $0*
Card Issuer: Discover Bank
Card Network: Discover®
Card Category: Student (Regular)
Card Type: - Reward Card
Credit Needed: Fair*

The Discover It for Students card is easy to apply for. There's an online application that can be used day or night to find out if someone can be approved for the credit line. Basic personal information is requested and then a background and credit check is conducted. In many cases, it will be possible to get approval in minutes online - otherwise a response will be sent by mail.

Upon becoming a cardholder, users will be given a card that they can use for purchases. There is automatic, expedited delivery of the credit card to make it easier to begin making purchases on credit easier. This includes being able to make purchases online, over the phone, on a mobile device, and in person with millions of merchants.

The card can be taken internationally without any problems. Some cards charge foreign transaction fees. Discover eliminates these, making it more affordable to go anywhere and use a credit card. For students who choose to study abroad, this can give them the way to buy what they need without going into debt in the process.

For all purchases, it will be possible to earn cash back rewards. Rather than points, students are able to get cash back to use how they want - they can use it as a statement credit to pay for purchases they've already made or they can get it as a gift card to use at stores, restaurants or anywhere else. It will be possible to earn at least 1% on all purchases. There are also opportunities to earn as much as 5% cash back in certain categories. These categories change quarterly and can include restaurants, supermarkets, travel, gas stations and much more.

Making payments on the account is simplified. Discover allows students to choose the due date of their bill. They can make it at the beginning of the month, the middle of the month or the end based upon when they have the most money to make it easier to pay the bills on time. There is also the benefit of not having the APR increase if a payment is made late - unlike other cards that are on the market.

The card features no annual fee as well as a low APR that is based upon credit worthiness. This allows students to manage their money effectively without being weighted down with a lot of interest charges. Students can also choose to avoid an interest charge entirely by paying the entire bill in full each month when the statement arrives.

A credit line is provided for all cardholders. They will learn of this line when approval for the card is given. Should a cardholder spend more than their credit line in a given month, there is no fee for going over the limit. Further, there are ways to request a credit line increase throughout the year. As long as one�s credit is able to manage and the account has been properly maintained, an increase is usually granted, though not more than once every six months.

Students have multiple ways of accessing the financial information. They are able to download a mobile app to their phone, go online or call customer service. The customer service line for Discover is based in the U.S., ensuring that the operators can communicate efficiently with the callers. Online, it's possible to pay bills, download statements and conduct an array of business to make it easy to manage one's finances. With up to the minute information, it's easy to keep up on finances without going over the credit line or overspending, making it hard to meet the minimum payment.

There are over 8 million merchants that accept Discover, making it easy to use the card everywhere. Students are able to buy what they need without being burdened by high fees and the ability to get into debt quickly. It's simply an easy to use card that will allow them to focus on their studies and get perks when it's time to make necessary purchases.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Cash Back Rewards
- College Rewards
- Gas Rewards
- Other Rewards
- Universal Rewards
Reward Unit: Cash
Rewards: - 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*.
- Unlimited 1% cash back on all other purchases
- Cashback Concierge
Expiration: None
Yearly Limit: None*
Other Benefits: *See Terms and Conditions for Other Benefits
Comments: See Discover's application for complete Terms & Conditions.
Online Account Access: Yes
Introductory APR: See Terms*
Applied Towards: Purchases, Balance Transfer
Introductory Period: See terms*
APR on Purchases: 12.99% - 21.99% (variable)*
Annual Fee: $0*
Grace Period: 25 days*
Min Finance Charge: $0.50
Late Payment Fee: $0.00*
Over Limit Fee: $0.00
Balance Transfer: Yes
APR Cash Advances: 24.99%
Cash Advance Fee: 5.00%
Minimum Fee: $10.00
Additional Fees Returned Payment: Up to $35.00

We do not offer online application for this card at the moment.

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* The information provided for Discover it® for Students Credit Card is believed to be accurate at the time of evaluation (Oct 31, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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