Discover Student It Card Review and Comparison

If you're a student, you're likely looking for a credit card that offers rewards and benefits tailored to your needs. The Discover it Student Cash Back card is a popular option that offers 5% cash back on various categories throughout the year, such as gas stations, grocery stores, and restaurants.

This card also offers a cash back match at the end of your first year, which means you'll get double the cash back you earned in your first year. For example, if you earned $500 in cash back, you'll get an additional $500, for a total of $1,000.

The Discover it Student Cash Back card has no annual fee, which is a big perk for students on a budget. Additionally, it offers free FICO credit scores, which can be helpful for students who are building their credit history.

The Discover it Student Cash Back card has a few handy perks that can save you money and help you stay on top of your finances. There's no annual fee, which is a big plus for students on a budget.

You can earn rewards, including a sign-up bonus, and there's no foreign transaction fee, making it a great choice for students who travel abroad. Reporting to all three credit bureaus, Equifax, Experian, and TransUnion, helps build your credit score.

Here are some key features and benefits of the Discover it Student Cash Back card:

You can also access your FICO score for free, any time, through your online account, making it easy to keep an eye on your credit score and how it's changed over time. This feature is designed to allow students to monitor the impact of their spending patterns on credit scores.

At Capital One, you'll need a full-time income if you're under 21 to qualify for a credit card, which can be a challenge for some students.

Their student cards are marketed similarly to Discover's, but the requirements for eligibility can be quite different.

Capital One's requirements for student card eligibility may be stricter than you think, so it's essential to review the terms carefully before applying.

The Discover it Student Card has several benefits when it comes to fees. There's no annual fee, making it a great option for students who want to avoid added expenses.

One of the standout features of the Discover it Student Card is that it doesn't charge foreign transaction fees. This is especially useful for students who travel abroad or shop online from international retailers.

Discover also reports to all three credit bureaus, Equifax, Experian, and TransUnion, which can help you build your credit score.

Here's a breakdown of the fees you can expect:

The Discover it Student Card also offers a 0% introductory APR for the first six months, which can help you avoid interest charges on purchases and balance transfers.

You can access your FICO score for free through your online account with the Discover it Student Cash Back card.

Discover it Student Cash Back cardholders can view their FICO score at any time, making it easy to keep track of your credit score and how it's changed over time.

This service allows you to check your credit health without incurring any additional costs, and your score is updated regularly.

The score is based on the TransUnion credit statement, which helps you track your credit-building progress.

To view your FICO credit rating, simply log in to your Discover it Student Cash Back account and access the feature.

The Chase Freedom Student credit card is a great option for students looking for a reliable credit card. It earns 1% cashback on all purchases.

One of the best features of this card is its sign-up bonus - you get a $50 bonus for making your first purchase in the first three months.

You can also take advantage of the card's purchase protection, extended warranty protection, and trip cancellation/interruption insurance.

This card also offers identity theft monitoring, which is a great feature to have in today's digital age.

You can redeem your rewards from the Discover it Student Cash Back card in a few easy ways. You can use them to pay for purchases directly at Amazon or with PayPal.

Redeeming rewards is also a breeze, with no minimum redemption amount required. Your rewards won't expire as long as your account is open, so you can take your time deciding how to use them.

If you want to give back, you can donate to one of Discover's charity partners, which include well-known organizations like the American Cancer Society and the ASPCA.

You can also use your rewards to buy gift cards to popular merchants, but be aware that some merchants may have a minimum redemption amount.

Discover's 24/7 customer service is a game-changer. Most banks would charge you extra for this level of support, but Discover offers it for free.

You can reach out to them at any moment, day or night, and get real-time consultations. They're available by phone call, email, or live chat, making it easy to get the help you need.

This level of support is a huge plus, especially if you're not tech-savvy or have questions about your account.

The Discover student credit card limit is a crucial aspect to understand when managing your card. You're guaranteed a minimum credit limit of $500, but it can go up to $2,000 or $3,000, depending on your credit report, income, and debt.

To give you a better idea, here are some key facts about the Discover student credit card limit:

The 0% APR test period is a fantastic feature of the Discover it student card. You get a 0% introductory APR on purchases for six months, giving you time to pay off school expenses without interest charges.

This period also applies to balance transfers, with a 10.99% introductory APR for six months. After that, the ongoing APR of 17.24%-26.24% Variable APR kicks in.

Be sure to pay off your balance before the promotional APR period expires, or you could face hefty interest charges.

The Discover Student it card has some fantastic features that make it a great option for students. One of the best things about it is that there's no annual fee.

You can use your card abroad without worrying about extra fees, as there's no foreign transaction fee. This is a huge benefit for students who travel or study abroad.

The card also reports to all three major credit bureaus: Equifax, Experian, and TransUnion. This can help you build credit while you're in school.

As a student card, you can earn rewards and a sign-up bonus. The rewards rates and value of the sign-up bonus may vary, so be sure to check the details.

Here are the key similarities between the Discover Student it card and Capital One's student card:

The Discover it Student Cash Back card has a rewards structure that's worth understanding. It earns 5% cashback on all purchases in various categories, including grocery stores, restaurants, and gas stations, but you need to activate it quarterly to earn the highest rate.

You can also earn 1% cashback on any other purchases, up to the quarterly maximum. The card has a sign-up bonus that matches any cash earned during the first year, as long as you spend at least $1,000 within the first 90 days of your account opening.

Here's a breakdown of the rewards categories and rates:

The rewards offered by credit cards can be a great way to earn money back on your purchases, but it's essential to choose a card that aligns with your spending habits and effort level. The Capital One Quicksilver Student Cash Rewards Credit Card is a low-maintenance option that earns an unlimited flat 1.5% cash-back rate on every purchase.

The Capital One Savor Student Cash Rewards Credit Card doesn't require much work to earn rewards, but you need to remember more categories to maximize earnings. It earns 3% back on dining, entertainment, select streaming services, and grocery stores, and 5% back on hotels and rental cars booked through Capital One Travel.

Both Discover student cards require maintenance and a decent memory to maximize rewards. The Discover it Student Cash Back card has rotating rewards categories that change every 3 months, and you must opt-in to them every quarter to earn the card's desirable 5% rate.

The simplest way to use rewards from the Discover it Student Cash Back card is by redeeming for a statement credit or direct deposit to an eligible checking or savings account. There's no minimum redemption amount, and your rewards don't expire as long as your account is open.

Here's a comparison of the rewards offered by the Discover it Student Cash Back and the Capital One Savor Student Cash Rewards Credit Card:

The Capital One Savor Student Cash Rewards Credit Card offers a welcome bonus of $50 cash bonus once you spend $100 on purchases within three months of account opening.

With the Discover it Student Cash Back card, you can access your FICO score for free at any time through your online account.

This feature is a game-changer for students, as it allows you to keep an eye on your credit score and track how it's changed over time.

Your FICO score is updated regularly and can be viewed through your bank account, giving you a clear picture of your credit health.

The score is based on the TransUnion credit statement, which helps you understand the impact of your spending patterns on your credit score.

This feature is designed to help you monitor your credit-building progress and make informed decisions about your spending habits.