Apply for the Discover® Student Card

Discover® Student Card - Tropical Beach

INTRO APR 0% Interest* for 6 Months
APR 14.99%
ANNUAL FEE $0
BENEFIT RATING

OVERALL RATING

MAXIUM CREDIT LIMIT $5,000

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Overview

The Discover® Student Card - Tropical Beach, issued by Discover, is designed for those with an average or limited credit history who are looking for a cash reward credit card.

Through the reward program, cardholders earn a 5% rebate for purchases made in popular categories that change four times a year like travel, gas, restaurants, movies, and more. Plus, cardholders earn up to 1% for general purchases.

Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a full 1% rebate.*

Cardholders also earn a 0.25% rebate at select warehouse clubs and discount stores, and they can earn a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.

Aside from the reward program, the card also provides standard benefits, including online account management, no liability for unauthorized transactions, and discounts on products and services at participating merchants and retailers.

The APR for this card is reasonable and but there is no annual fee and 0% interest that applies to purchases for six months.

Therefore, students who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn a full 5% rebate and double cash rebates), and plan to pay in full each month (to avoid costly finance charges) will benefit most from what the Discover® Student Card - Tropical Beach has to offer.

*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

Most Attractive Feature
Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); no annual fee.

Least Attractive Feature
Low rate not available to all applicants.

Additional Benefits
Various card designs to select from.
Various Internet account related services.
No liability for unauthorized transactions.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.

Rates & Fees

Card Category: Student

Introductory Rate: 0% Interest* for 6 Months

Applied Towards: Purchases

Introductory Rate Details: There is a 0% introductory APR* on purchases for 6 months. See terms and conditions for complete details.

APR (Purchases): 14.99%

APR (Cash Advances): 23.99%

Finance Configuration: Average Daily Balance (including new purchases)

Annual Fee: $0

Additional Cardholders: $0

Grace Period: 25 Days (Min.)

Minimum Credit Limit: $500

Maximum Credit Limit: $5,000

Late Payment Fee: $19 on balances up to $250; $39 on balances over $250

Over-The-Limit Fee: $15 on balances up to $500; $39 on balances over $500

Cash Advance Fee: 3%, $5 minimum

Balance Transfer Fee: None

Important Notations: See website for complete terms and conditions of card usage and application disclosure.

Rewards

Points per Dollar:

Additional Points:

Applied Towards:

Point Details:

Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus®.)

Yearly Limit: None

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