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Best Discover Credit Cards

Discover it Student Cash Back Credit Card Review

Discover it? Student Cash Back

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:14.99% – 23.99% (Variable)
Intro APR (Purchases):10.99% for 6 months
Intro APR (Balance transfers):10.99% for 6 months
Rewards Rate:5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to $1,500 per quarter each time you activate

1% unlimited cash back on all other purchases. Discover has cash back match at end of first year
Credit Needed:(300-669) Bad/Fair
Annual Fee:$0
Card Brand:Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO?
  • Credit Score, number of recent inquiries and more.
  • Freeze It? on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% ? 23.99%.

Is Discover it Student Cash Back Credit Card worth it?

Discover it Student Cash Back is a great card for students who want to build credit and take advantage of rotating cash back categories. For students who are more interested in ongoing rewards, this card provides 5% cash back in rotating categories and 1% unlimited cash back and Discover will match all cash back at the end of the year.

Pros

  • Build your credit
  • Higher than average cash back rewards for a student card

Cons

  • 5% cash back categories must be activated, online or by phone, to take effect

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee5% on transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Get Started with Discover it Student Cash Back

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Cash Back Credit Cards, Best Credit Cards, Best Credit Cards For Bad Credit, Best Credit Cards For Groceries, Best Credit Cards For Online Shopping, Best Credit Cards For Restaurants, Best Credit Cards To Use At Costco, Best Discover Credit Cards, Best First Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Student Credit Cards, Other

Discover it Miles Credit Card Review

Discover It Miles Credit Card

Rating: 5 Stars

Bottom Line:
Double Miles In The First Year And Use Miles As Cash Back

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.24% – 25.24% (Variable)
Intro APR (Purchases):0% for 14 months
Intro APR (Balance transfers):10.99% for 14 months
Rewards Rate:Unlimited 1.5 miles per dollar spent on all purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Is Discover it Miles Credit Card worth it?

Discover it Miles is a great travel card with 1.5x miles per dollar and the benefit of getting your miles matched at the end of your first year, essentially giving you 3x miles per dollar for your first year. You can also use your miles as cash back.

Pros

  • Discover matches your miles at the end of your first year
  • Higher than average travel rewards rate
  • No annual fee

Cons

  • Not the best rewards rate when compared to best cash back cards’ rewards rate of 2%

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee5% of the transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Get Started with Discover it Miles

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Cash Back Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Good Credit, Best Credit Cards To Book Flights, Best Discover Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best No Interest Credit Cards, Best Travel Credit Cards, Best Travel Credit Cards With No Annual Fee

Discover it Cash Back Credit Card Review

Discover It Cash Back

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Finance Purchases

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:13.99% – 24.99% (Variable)
Intro APR (Purchases):0% for 14 months
Intro APR (Balance transfers):0% for 14 months
Rewards Rate:5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • No annual fee.

Is Discover it Cash Back Credit Card worth it?

Discover it Cash Back is a solid cash back card with the option to pay off purchases or debt at 0% for 14 months. This card has 5% cash back in popular, rotating categories up to the quarterly max. The ongoing unlimited cash back is 1%, which is an average cash back rate.

Here?s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020Grocery Stores, Walgreens, and CVS
Apr – Jun 2020Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020Restaurants and PayPal
Oct – Dec 2020Amazon.com, Walmart.com and Target.com

Pros

  • Discover doubles all earned cash back at end of first year
  • 0% Intro APR for 14 months on purchases and balance transfers
  • No annual fee

Cons

  • Quarterly cap for 5% cash back is $1,500
  • No intro bonus

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee5% on transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Get Started with Discover it Cash Back

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Cash Back Credit Cards, Best Credit Cards, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Online Shopping, Best Credit Cards For Restaurants, Best Credit Cards To Use At Costco, Best Discover Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards

Discover it Balance Transfer Review

Discover It Balance Transfer Credit Card

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Pay Off Debt

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.24% – 25.24% (Variable)
Intro APR (Purchases):0% for 6 months
Intro APR (Balance transfers):0% for 18 months
Rewards Rate:5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate

1% unlimited cash back on all other purchases automatically
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:$0
Card Brand:Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There?s no signing up. And no limit to how much is matched.
  • arn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.

Is Discover it Balance Transfer worth it?

Discover it Balance Transfer is a strong balance transfer card with a 0% balance transfer intro APR offer for 18 months. With the cash back match, 5% cash back in activated categories, and ongoing 1% cash back, this is a strong rewards card too.

Discover it? Balance Transfer has a shorter 0% Intro APR period on purchases, 6 months, and a longer 0% period on balance transfers, 18 months, versus Discover It Cash Back, which has 14 months of no interest on both purchases and balance transfers. The cards are otherwise the same, so the only decision to make is whether financing or paying off debt is more important to you. You can’t go wrong with either one when it comes to cash back as they earn the same amount and have the same calendar of cash back categories.

Here’s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020Grocery Stores, Walgreens, and CVS
Apr – Jun 2020Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020Restaurants and PayPal
Oct – Dec 2020Amazon.com, Walmart.com and Target.com

Pros

  • 0% Intro APR on balance transfers for 18 months
  • No annual fee
  • Cash back match – Discover will match the cash back you earn the first year

Cons

  • 3% balance transfer fee
  • 5% cash back requires activating categories

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


4 Stars

Overall


5 Stars. ?????

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee5% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability

Get Started with Discover it Balance Transfer

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Balance Transfer Credit Cards, Best Cash Back Credit Cards, Best Credit Cards, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Online Shopping, Best Credit Cards For Restaurants, Best Credit Cards To Use At Costco, Best Discover Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards

NHL Discover it Review

NHL-Discover-it

Rating: 5 Stars

Bottom Line:
For NHL Fans Who Want Cash Back

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:13.74 – 24.74 (Variable)
Intro APR (Purchases):0% for 14 months
Intro APR (Balance transfers):Transfers after January 20, 2020 no longer get 0% for 14 months
Rewards Rate:Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate

earn unlimited 1% cash back on all other purchases ? automatically
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Real Fans Carry it: When you love your team, you want the world to know. Show everyone which NHL team you like best by getting your team’s Discover it Card today
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically
  • We?ll automatically match all the cash back you’ve earned at the end of your first year. There?s no signing up. And no limit to how much we’ll match
  • Free Social Security number alerts: we’ll monitor thousands of Dark Web sites when you sign up
  • 0% Intro APR for 14 months on purchases and balance transfers. After January 10, 2020 you no longer get 3% Intro Balance Transfer Fee
  • Card art for any team: Pick your favorite

Is NHL Discover it worth it?

NHL Discover it is a great card for NHL fans who like rotating cash back. The 5% cash back categories change each quarter and may include one or more of the following: gas stations, grocery stores, restaurants, Amazon.com and more. Unfortunately, the 5% cash back stops at a maximum of $1,500 each quarter. Cardholders who spend more than $500/month will want to make sure they have another card to get rewards on everyday expenses once they hit the maximum.

The cashback match is a great feature: Discover will automatically match all the cash back you?ve earned at the end of your first year. This card is basically the same as the Discover it? Cash Back, and like that card it is highly recommended.

Pros

  • Cashback Match: Discover will automatically match all the cash back you?ve earned at the end of your first year
  • Card art for any team: Pick your favorite
  • No annual fee
  • No foreign transaction fee

Cons

  • 5% cash back stops at a maximum of $1,500 each quarter

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeStarting January 10, 2020, you no longer get 3% of the amount of each transfer. It then becomes 5% of the amount of each transfer
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability

Get Started with NHL Discover it

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Best Credit Cards for 2021
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Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Credit Cards For Big Purchases, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Online Shopping, Best Credit Cards For Restaurants, Best Discover Credit Cards, Best Gas Credit Cards, Best No Interest Credit Cards, Best Sports Credit Cards, Best Store Credit Cards

Discover it Secured Review

Discover-it-Secured

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards on Gas and Restaurants

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:24.74% (Variable)
Intro APR (Purchases):0% for 6 months
Intro APR (Balance transfers):After January 10, 2020 you no longer get: 10.99% intro APR for 6 months from the date of your first balance transfer
Rewards Rate:Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter

Earn unlimited 1% cash back on all other purchases

Discover will match all the cash back you?ve earned at the end of your first year, so your cash back gets doubled
Credit Needed:(0 – 300) Bad/Limited/No
Annual Fee:None
Card Brand:Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • It’s a Real Credit Card: unlike a prepaid or debit card, this is a real credit card that lets you build your credit history with the three major credit bureaus.
  • Refundable Deposit: your secured credit card requires a refundable security deposit. You choose the deposit amount up to the credit line approved
  • Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
  • We?ll match all of the cash back you’ve earned at the end of your first year, automatically
  • Easily view your FICO Credit Score on monthly statements, mobile and online for free

Is Discover it Secured worth it?

Discover it Secured is a great card for people looking to build credit and earn cash back on gas and restaurants purchases. Cardholders earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled.

Pros

  • Build your credit
  • Monthly reporting to 3 major credit bureaus
  • No annual fee
  • Option to upgrade to an unsecured Discover card, where you don’t make a deposit – it’s recommended you make on-time payments for Discover it Secured for 8 months first
  • Minimum security deposit of $200 is on the low end for secured cards

Cons

  • High regular APR for a secured card: you would be paying interest at 24.74% APR on a loan you gave yourself

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeStarting January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability

Get Started with Discover it Secured

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Credit Cards, Best Credit Cards For College Graduates, Best Credit Cards For No Credit, Best Credit Cards For Restaurants, Best Discover Credit Cards, Best Gas Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Secured Credit Cards, Easiest Credit Cards To Get Approved For

Discover It Chrome Review

Discover-it-chrome

Rating: 5 Stars

Bottom Line:
Cash Back at Gas and Restaurants

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:13.74% – 24.74% (Variable)
Intro APR (Purchases):0% for 14 months
Intro APR (Balance transfers):Starting January 10, 2020 you no longer get 0% intro APR for 14 months from the date of your first balance transfer
Rewards Rate:Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter

Earn unlimited 1% cash back on all other purchases – automatically

Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
  • Cashback Match: We’ll automatically match all the cash back you’ve earned at the end of your first year. There’s no signing up. And no limit to how much we’ll match
  • Your cash back never expires. Redeem your rewards in any amount, at any time
  • Free Social Security number alerts: we’ll monitor thousands of Dark Web sites when you sign up
  • If you misplace your card, you can freeze your account in seconds on the mobile app or website to prevent new purchases, cash advances, and balance transfers
  • Easily view your FICO Credit Score on monthly statements, mobile and online for free

Is Discover It Chrome worth it?

Discover It Chrome is a solid card for people who spend a lot on gas and restaurants purchases. Cardholders earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled.

The rewards rate is underwhelming compared to Discover It Cash Back, which by the way offers its own 0% for 14 months on purchases and balance transfers on top of 5% cash back in rotating categories. If keeping it simple is important to you though, and if you spend a lot on gas and restaurants, Discover It Chrome is still a good choice.

Pros

  • Build your credit
  • Report to all three major credit bureaus
  • Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
  • Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
  • No annual fee

Cons

  • Other cards give 1.5% or 2% unlimited cash back on all purchases without a quarterly spending cap – this allows you to earn a lot more cash back

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeStarting January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability

Get Started with Discover It Chrome

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Discover It Student Chrome Review

Discover It Student Chrome

Rating: 5 Stars

Bottom Line:
Student Cash Back at Gas and Restaurants

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.74% – 23.74% (Variable)
Intro APR (Purchases):0% for 6 months
Intro APR (Balance transfers):10.99% for 6 months on qualifying balance transfers
Rewards Rate:Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter

Earn unlimited 1% cash back on all other purchases – automatically

Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
Credit Needed:(580-669) Average/Fair
Annual Fee:None
Card Brand:Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
  • Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
  • Cashback Match: We’ll automatically match all the cash back you’ve earned at the end of your first year. There’s no signing up. And no limit to how much we’ll match
  • Your cash back never expires. Redeem your rewards in any amount, at any time
  • Free Social Security number alerts: we’ll monitor thousands of Dark Web sites when you sign up
  • If you misplace your card, you can freeze your account in seconds on the mobile app or website to prevent new purchases, cash advances, and balance transfers
  • Easily view your FICO Credit Score on monthly statements, mobile and online for free

Is Discover It Student Chrome worth it?

Discover It Student Chrome is a great card for students looking to build credit and earn cash back on gas and restaurants purchases. Students earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled. The $20 statement credit each school year you earn a 3.0 GPA or higher is a nice perk.

Pros

  • Build your credit
  • Report to all three major credit bureaus
  • Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
  • Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
  • No annual fee

Cons

  • No 0% Intro APR for balance transfers

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeAfter January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer.
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability

Get Started with Discover It Student Chrome

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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