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. I cannot tell you how much value I have gotten from my Disco since I opened it way back when. Your rewards never expire. 1. 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. Look at what money may be left over each month to plan your entertainment budget. Many students worried about getting approved for a credit card want to know whether financial aid can be included in their income. Similarly, If you are heading off to an out-of-state college or university, that’s another reason to look into cards that offer airline miles and travel rewards. That twenty dollars is added to your original debt, so now you have $220 of debt. Only purchases made from merchants located in the United States are eligible for 2% Cashback Bonus. But if you're studying overseas, it's not a great choice. 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. Making ends meet and still making grades is a big challenge for most students who work part or full time while earning a degree. You need to have credit to get credit. 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. I have yet to see a credit card that gives you this mutch value with 0 credit history upon approval. You need to have credit to get credit. I have 2 HPs that aren't even a month old yet, and Discover can be touchy about that. some of the functionality on our website will not work, such as College is a time for learning and personal growth, and gaining control of finances is one of the tools students will need to learn as they start living more independently. 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"). Learn 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. The Best Student Credit Cards for 2021. 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. The Discover student credit card has an interesting cash back program that allows you to earn 5% cash back on specific categories after you sign … When used responsibly, Discover student credit cards are a great way to build credit while earning cash back rewards on every purchase. 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. By using a student credit card diligently during your student life, you will get a hang of managing credit by the time you graduate. Why should I care about building a credit history? You could wind up spending more in fees than you receive in rewards points. To protect your account security, web browser. Learn how to get a credit card even if you have no credit history. The Discover student credit card limit is $500 or more for both the Discover it Student chrome Card and the Discover it Student Cash Back Card. The benefits of a student credit card can include financial education and resources that are available online, via app or by phone; support in developing good payment habits, in the form of alerts and reminders from your credit card issuer; and cash back and other rewards that are specifically geared toward students. When Your available credit would then become $700. These are ways to build your credit responsibly: Discover offers many easy ways to let you make a payment on your account: a. Log into your account center and click "Make a Payment", b. Our experts at CreditCards.com analyzed 109 student credit card offers to find our top recommendations. some of the functionality on our website will not work, such as To see a list of Frequently Asked Questions, visit discover.com/freealerts. How does cash back work on a credit card? Track the status of your loan anytime. For example, ATMs might charge extra fees to take out cash in a native currency. And, naturally, you’ll have to be a student. In order to enjoy the full experience of the Discover 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. 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. This benefit may change or end in the future. website, please turn JavaScript on. Here are a few ways to keep your good personal finance habits going. 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. You'll still keep all the same rewards and benefits on your credit card. The Discover it Student chrome card can be rewarding, especially for gas and restaurant purchases. Interested? 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. Discover the most frequently asked questions about student credit cards, as well as the answers. 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. more in the Discover Help Center. 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. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. the display of rates and APRs. 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. You won’t need to have any kind of credit history, as student cards are designed for people with limited or no credit. 1. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Discover it Student - Best Starter Credit Card This was the first credit card I ever got when I started my freshman year. Learning how to create a budget is essential for keeping track of the myriad expenses and sources of income that one can have during school. 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. Mastering your finances and understanding how APRs are assessed and compounded can give you the upper hand in…. Manage your payments online. And if youre rebuilding credit, or cant get approved for the regular It student, then the secured is a great option too! Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may impact your ability to build credit. Discover Card does not assign MCCs to merchants. You can find out how much credit line you have on your statement, or in your account center at Discover.com. Do you know about Discover's cash back program? When you graduate, call us to update your income and personal information such as your income, housing, e-mail and address. 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. 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 cash back rewards are generous, especially for cards designed for people with little to no credit. It doesn’t matter if your child is in high school or in college. However, if you’re no longer in school, taking a pause in lessons, or you have damaged credit, a secured credit card could be the way to go. You later have to repay the credit card company for what you borrowed, plus any interest built on that purchased amount. Student credit cards can also serve as a starter credit card for first-time credit card users or newcomers to Canada. Imagine you received your credit card statement after a weekend road trip, and find out that you owe $400. 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. Student Cash Back gives 5% back on up to $1,500 spent in specific categories that change every quarter. What Does It Mean to be “Pre-Approved” for a Credit Card? A good credit score makes you a more attractive … 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. Certain digital wallet transactions qualify for 2% Cashback Bonus, for more information see Discover.com/digitalwallets. Cash back refers to earning back a percentage of the money you spend on your credit card. We’ll automatically match all of the cash back or Miles you’ve earned at the end of your first year. Now you have $242 of debt. This is regardless of whether you use it at the ATM, at a store, online, or even via the telephone. Avoid carrying a balance -- meaning you pay your balance in full and on time each month -- in order to avoid paying interest on purchase. Build a Credit History. Both offer the rewards of their big brothers, but they only require no credit history. 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. Rewards are added to your Cashback Bonus account within two billing periods. Discover may also increase your credit limit if you consistently pay your bill on time. We noticed that you're using an old version of your internet 11 Builds credit with responsible use : Discover reports your credit history to the three major credit bureaus so it can help build your credit … Learn 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. Your APR—or annual percentage rate—is a statement of the interest rate as a yearly rate. If you’re a student, start building a credit history in college and enjoy cash back with Discover Student credit cards. This credit score helps predict how likely you are to pay back the borrowed credit. 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. Terms of Good Grade Reward Offer are subject to change. autocomplete results are available use up and down arrows to But credit cards should not be used to finance tuition because student loans may offer lower interest rates and more flexible repayment options. touch or with swipe gestures. What does available credit mean? Discover wants to see a strong credit history, steady income, and low credit utilization. Companies use credit scores to make decisions in offering a credit card, car loans, mortgages, or other credit products. 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. For specific advice about your unique circumstances, you may wish to consult a qualified professional. If you never made any payments over the 12 months, you would owe an extra $90 annually. 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. 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. Message a U.S.-based agent If you are applying through some other sites because of some added discount/reward, you might land in trouble as they may not be authenticated. browser to access this page. Touch device users, explore by However, if you find you have a hard time managing your spending throughout a semester, you may be better off with a different card. … Foreign transaction fees are just what they sound like — fees levied when making transactions, meaning making purchases, when abroad. 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. By putting aside extra money each month, you can prepare for any unexpected expenses that come up in the future. It also can be a way to bounce back if you are looking to rebuild your credit. Establishing Credit. 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. Discover student credit card limit info: You are guaranteed a credit limit of at least $500 on each Discover it Student card. Updating this information may make you eligible for credit line increases. 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. College students. 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. The best Discover student credit card is the Discover it® Student Cash Back credit card because it gives 5% cash back on different types of purchases each quarter (up to $1,500 spent quarterly, and $6,000 annually). you must update your browser as soon as possible. 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. Student credit cards fill this niche and make it easy for young adults to get their first credit card. 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. If JavaScript is disabled, Our experts at CreditCards.com analyzed 109 student credit card offers to find our top recommendations. Search for resources, Opens in a modal dialog, @media screen and (max-width: 1023px) { 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. 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. display:none; you must update your browser as soon as possible. A credit bureau is a company that collects information about your credit history, and makes it available to lenders (including credit card companies), employers, landlords, banks and others. more in the Discover Help Center. .article .main .columns .column.right .hide-inline-story { It does not guarantee that Discover offers or endorses a product or service. A credit card is a card that allows you to borrow money (or credit) to pay for your purchases. Perhaps most importantly, lenders may grant lower limits and interest rates to students that will allow you to start building your credit history. Read more: Compare More Discover Credit Cards; The Best Credit Cards For Young Adults The Discover it Student Cash Back tops our list as the best credit card for students because of its rewards rates and special perks. How Can I Double My Rewards with Discover Cashback Match? When 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. See Cashback Bonus  Program Terms and Conditions for more information about your rewards. In both instances, know that you won’t have a very high credit limit and use these cards carefully. First, earn 5% cash back on rotating categories that change and must be activated quarterly. College students will begin to understand the concept of a credit limit and how much available credit they have at a given time, as well as not going over the credit limit. Having too many credit inquiries can lessen your chances of getting approved. When you use a credit card, you are borrowing money from the credit card issuer. 2. You can view and manage your student loan(s) in just a few easy steps. You'll Most credit card offers require very good credit. Here's the best part of the Discover It for Student credit card. Discover it® Student Cash Back Credit Card One-Time Offer . more in the Discover Help Center, See Cashback Bonus  Program Terms and Conditions for more information about your rewards. 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. You can apply by requesting an increase online, or you can call us at 1-800-DISCOVER. Or you can call us here. Most student credit cards offer 1% cash back. Your balance is the amount of money you owe to the credit card company. We all know that kids and credit card can be a dangerous combination. When you use a debit card, you are accessing funds in your bank account. Many cards offer 1% cash back or more on purchases. 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. Discover wants to see a strong credit history, steady income, and low credit utilization. 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.” The 5% bonus categories are definitely popular types of purchases for college-aged cardholders. The Primary cardmember must agree online to receive identity alerts. web browser. A minimum payment is the smallest amount you can pay on your credit card bill to avoid late fees and remain in good standing. The Discover student credit card has an interesting cash back program that allows you to earn 5% cash back on specific categories after you sign up, which change every quarter during the year. To protect your account security, Ever wondered how credit card interest works? 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. A credit history helps inform your credit score. 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!). It's the classic catch-22 for a student. Explore our Secured credit card to help build your credit history. review and enter to select. By using a student credit card diligently during your student life, you will get a hang of managing credit by the time you graduate. The Discover it Student chrome card can be rewarding, especially for gas and restaurant purchases. 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 … Create your budget by deducting your essential costs first—housing, food, tuition, etc. Simply put, it can be important to demonstrate a good track record with credit. Q: Are you planning on studying, traveling or working abroad? Fees kick in when overseas and handling money. 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. A student credit card, if you’re eligible, could be a better option since no deposit is needed. You’re granted a credit limit, usually equal to the amount of your deposit. You give a deposit, which will cover the credit card company’s losses if you’re unable to pay your bills. 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. Learn How you use your aid is a big factor in whether it can qualify as income. You would then have a $200 credit card balance. 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. The Discover it Student Cash Back tops our list as the best credit card for students because of its rewards rates and special perks. Discover it for Students is a student credit card that can help your child build the foundation for a good credit history. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. While many things might be changing in your life, your Discover Student card doesn't have to. 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. If you decide to apply for a secured credit card, choose one that reports to all three credit bureaus (Experian, TransUnion and Equifax). Compare credit cards to find which offer is right for you. 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. Be warned that any irresponsibility on your part may be reflected in your credit score. Both cards are designed with students in mind and provide the resources for students to build credit while also earning rewards. 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. } Access important notifications and letters online. Both of these cards are good options and give you a respectable $500+ credit limit. browser has not been updated. Redeem with Ease. Regardless, you will likely start owing interest on that amount, and will have to pay back, in addition to that $350, down the road. autocomplete results are available use up and down arrows to ” The 5% bonus categories are definitely popular types of purchases for college-aged cardholders. be unable to log in to Discover.com in the future if your Discover it® Student Cash Back Credit Card One-Time Offer . website, please turn JavaScript on. You won’t need to have any kind of credit history, as student cards are designed for people with limited or no credit. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Gas Stations affiliated with supermarkets and supercenters may not be eligible. Q: Are your parents helping out? If you are receiving help from your parents for living expenses it may be in your best interest to choose a card without a sky-high spending cap. Redeem your rewards for cash in any amount, at any time. A billing cycle is a period of time between billings. Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The Discover student credit card limit is high compared to some cards from other issuers. Best card for credit newbies: Discover it Student. IMO the best starter credit card, hence why we always recommend it to people starting their credit journey. In order to enjoy the full experience of the Discover Having a limit is a surefire way to keep your spending in check. Others offer miles on hotels and airlines internationally, and some cards offer trip insurance should plans change. Let's say you started a new term and charged $500 for books, with an 18% APR. Action required: Update 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. And, naturally, you’ll have to be a student. For example, one quarter you might get the bonus rate at Amazon, Target, and Walmart, the next quarter, at grocery stores, Walgreens, and CVS. What is the difference of credit card and debit card? While it’s important to include some funds to enjoy evenings out with friends, don’t forget to incorporate monthly savings into your budget, if you can. Find out how you receive pre-approved credit card offers, what to look for and how you can opt-out. Feel like you are ready to take on more credit? 1. For students looking for a cashback rewards card and extra perks, the Discover it® Student Cash Back credit card could be an excellent addition to your wallet. Why should I get a Discover Student credit card? Cash Back Program. How can I build credit responsibly with a Discover Student Card? Student credit cards are specifically designed for college students with limited credit history. 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. 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 push beyond the benefits of basic student credit cards with generous cash back on every purchase, recognition for your good grades* as well as the security and service Discover customers expect.**. They often have no annual fee, cardholder benefits and perks such as a rewards program. Each purchase adds to your credit card balance, along with any interest or fees. The Discover it® Student chrome card is a good option for students to learn how to handle credit. Freeze It®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. That’s because Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Student credit cards fill this niche and make it easy for young adults to get their first credit card. For example, say you spent $50 buying coffee for your study group, and your card gives you 1% cash back on this purchase. 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. … Touch device users, explore by I got a pre-approval, but got denied anyway... Backdoor reconsideration line was a success! If you’re just new to credit, you might consider the Discover it Secured card, or become an authorized user on a parent’s credit card. The first month you will be charged twenty dollars (200 x 0.10). 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. A student card offers a great way to move into the world of financial independence. Terms of Good Grade Reward Offer are subject to change. 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. If you’re a student, there are student credit cards, like the Discover it Student Cash Back card. Against everyone's recommendations, I applied for the Discover It Student Cash Back card. 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