Discover it Student Overview – Exclusive Benefits

Stepping into the realm of financial independence amid the hustle and bustle of student life can seem like a scary leap, the Discover it Student credit card is not only just to simplify your financial management, but also to applaud your smart spending habits.

Benefits that are enjoyable are what makes the Discover it Student card shine. The first year’s cash back gets doubled, rewarding you for being smart with your money in an intelligent way. Read on to see how the Discover it Student Credit Card can become your best companion on this exciting journey!

How to Apply for The Discover it Student Card

Are you a student eager to take control of your finances while building credit? Look no further than the Discover it Student Credit Card! Designed with students in mind, this card offers a wealth of benefits and rewards that will empower you on your financial journey. Keep going to find out more!!

Main Features:

• Emitting Bank: Discover
• Flag: Discover
• Coverage: Nationwide

You need to know:

Pros and Cons

The Discover it Student card boasts several enticing pros that make it a top choice for students:

• Pros:

Generous Rewards: With the Discover it Student card, you can earn cash back on every purchase you make. Plus, during your first year, Discover will match all the cash back you’ve earned, effectively doubling your rewards.

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No Annual Fee: Unlike many other credit cards, the Discover it Student card doesn’t charge an annual fee, making it budget-friendly for students.

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Student-Friendly Features: Discover understands the unique needs of students and offers perks such as a $20 statement credit each school year for a qualifying GPA and a rewards program that adapts to your changing lifestyle.

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However, like any credit card, the Discover it Student card also comes with its own set of considerations:

• Cons:

Limited Acceptance: While Discover is widely accepted in the United States, it may not be as universally recognized as some other card networks, especially internationally.

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Higher APR: If you carry a balance from month to month, the card’s APR (Annual Percentage Rate) could be relatively high, which might lead to substantial interest charges if not paid in full each billing cycle.

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Credit Limit: As a student card, the initial credit limit may be lower compared to other cards, which could impact your purchasing power, especially for larger expenses.

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Ultimately, whether the Discover it Student card is the right choice for you depends on your individual spending habits, financial goals, and comfort level with credit card management.

Be sure to weigh these pros and cons carefully before making a decision.

Is Discover It Student worth it?

Absolutely, the Discover it Student card is worth every penny for students looking to build their credit history while enjoying fantastic rewards and benefits.

This card offers a plethora of advantages tailored specifically for students, making it a smart financial tool for your college journey.

Firstly, the card comes with a generous rewards program that puts money back in your pocket with every purchase.

Imagine earning cash back on everyday essentials like groceries, gas, and dining out, it adds up quickly, especially with Discover’s unique Cashback Match feature.

At the end of your first year, Discover will match all the cash back you’ve earned, effectively doubling your rewards.

This means more money for textbooks, late-night study snacks, or even a well-deserved weekend getaway.

Furthermore, the card is designed with student-friendly features to help you succeed academically and financially.

From a $20 statement credit each school year for a qualifying GPA to a rewards program that adapts to your evolving lifestyle, Discover goes the extra mile to support your educational journey.

Plus, with no annual fee and access to intuitive online tools and mobile apps, managing your finances has never been easier or more rewarding.

So, if you’re ready to take control of your financial future while earning valuable rewards, is definitely worth considering.

Apply today and start reaping the benefits!

Details of advantages and disadvantages

• Advantages:

Cashback Rewards: Earn cash back on every purchase you make with the Discover it Student card. From groceries to gas and everything in between, your spending earns you money back, making every swipe rewarding.

Cashback Match: Discover’s Cashback Match feature is a game-changer. At the end of your first year, Discover matches all the cash back you’ve earned, effectively doubling your rewards. It’s like getting a bonus just for being a responsible cardholder!

No Annual Fee: Unlike many other credit cards, the Discover it Student card doesn’t charge an annual fee. That means more money in your pocket to spend on the things that matter most to you – without worrying about extra costs.

• Disadvantages:

Limited Acceptance: While Discover is widely accepted in the United States, it may not be as universally recognized as some other card networks, especially internationally. Be sure to check acceptance before traveling abroad.

Potentially Higher APR: If you carry a balance from month to month, the card’s APR could be relatively high, leading to substantial interest charges if not paid in full each billing cycle. Make sure to manage your balances responsibly to avoid extra costs.

Initial Credit Limit: As a student card, the initial credit limit may be lower compared to other cards. While this can help prevent overspending, it may also limit your purchasing power, especially for larger expenses. Keep track of your spending and credit utilization to make the most of your card.

How to order Discover it Student Card

You can easily order a Discover it Student card. Here’s how to start:

Research and Compare: Before you order your Discover it Student card, take some time to research and compare different credit cards available to students. Take into account things like rewards, perks, interest rates, and charges to pick the right card.

Visit the Discover Website: Once you decide on the Discover it Student card, go to the official Discover website and start the application process. The card’s features, benefits, and terms are easy to find on the website.

Click on “Apply Now”: Go to the Discover it Student card page and click the “Apply Now”. You’ll be taken to a safe website where you need to give your name, address, birthdate, and Social Security number.

Complete the Application: Fill in the application form carefully and accurately. You may have to answer questions about your income, job, and where you live.

Review Terms and Conditions: Before you apply, read the card’s rules, like the interest rate, costs, and rewards program.

Submit Your Application: After you finish the application and read the rules, click the “Submit” button to send your application to Discover for review. You will get a message saying that your application was received.

Wait for Approval: After you send in your application, wait for Discover to look over your information and decide. This process typically takes a few days. You’ll get your card in the mail in 7-10 business days.

Activate Your Card: You’ll need to activate your Discover it Student card after you get it. You can activate your card online or by calling the number on the sticker attached to it.

Follow these easy steps to get your Discover card and start enjoying its benefits and rewards.

How the Discover it Student compares to other rewards cards

Comparing the Discover it Student card to other rewards cards reveals unique features and benefits tailored specifically for students:

• Rewards Structure: The Discover it Student card offers cash back rewards on every purchase, with rotating quarterly categories that earn higher cash back rates. Additionally, Discover matches all the cash back earned in the first year with its Cashback Match feature. In contrast, the Capital One SavorOne Student Cash Rewards card offers a flat cash back rate on all purchases, with no rotating categories.

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• Bonus Rewards: Discover it Student cardholders can benefit from the Cashback Match feature, which effectively doubles their cash back earnings in the first year. On the other hand, the Capital One SavorOne Student Cash Rewards card doesn’t offer a similar introductory bonus.

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• Annual Fee: The Discover it Student card does not charge an annual fee, making it a cost-effective option for students. However, the Capital One SavorOne Student Cash Rewards card also boasts no annual fee, ensuring that neither card adds extra financial burden.

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• Redemption Options: Both cards offer flexible redemption options for cash back rewards, including statement credits, direct deposits, and gift cards. However, Discover provides additional redemption options, such as charitable donations and credit towards Amazon.com purchases.

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• Card Acceptance: Discover cards may not be as widely accepted globally as Visa or Mastercard, whereas Capital One issues Visa cards, which tend to have broader acceptance worldwide.

When comparing the Discover it Student card to the Capital One Quicksilver Rewards for Students card, there are several important factors to consider:

• Rewards Structure: The Discover it Student card offers cash back rewards on every purchase, with rotating quarterly categories that earn higher cash back rates. Additionally, Discover matches all the cash back earned in the first year with its Cashback Match feature. In contrast, the Capital One Quicksilver Rewards for Students card provides a flat cash back rate on all purchases, simplifying rewards earning without the need to track rotating categories.

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• Introductory Bonus: Discover it Student cardholders can benefit from the Cashback Match feature, which effectively doubles their cash back earnings in the first year. Capital One Quicksilver Rewards for Students cardholders, however, may not receive a similar introductory bonus.

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• Annual Fee: Neither the Discover it Student card nor the Capital One Quicksilver Rewards for Students card charges an annual fee, making them both budget-friendly options for students.

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• Redemption Options: Both cards offer flexible redemption options for cash back rewards, including statement credits, direct deposits, and gift cards. Discover also provides additional redemption options, such as charitable donations and credit towards Amazon.com purchases.

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• Card Acceptance: Discover cards may not be as widely accepted globally as Visa or Mastercard, whereas Capital One issues Visa cards, which tend to have broader acceptance worldwide. This could be a consideration for students who plan to travel internationally.