About Discover it® Student chrome
Discover it® Student chrome is a credit card designed for students who want to build their credit history and earn rewards while making purchases. The card is issued by Discover Bank and it comes with a range of benefits and features that make it an attractive option for students.
Some of the key features of the Discover it® Student chrome credit card include:
- Cashback rewards: With the Discover it® Student chrome, you can earn 2% cashback on up to $1,000 in combined purchases at gas stations and restaurants every quarter, and 1% cashback on all other purchases.
- Good Grades Rewards: Students who maintain a GPA of 3.0 or higher will be eligible to receive a $20 statement credit each school year for up to five consecutive years.
- No annual fee: The Discover it® Student chrome credit card does not charge an annual fee, making it a cost-effective option for students.
- Free FICO credit score: You can access your FICO credit score for free each month, helping you to track your credit history and identify areas for improvement.
- Introductory APR: The card offers an introductory 0% APR on purchases for the first 6 months, after which a variable APR of 12.99% – 21.99% applies.
- Cashback Match: Discover will automatically match all the cashback you’ve earned at the end of your first year, with no limit to how much you can earn.
The Discover it® Student chrome credit card is a good option for students who want to start building their credit history while earning rewards. With no annual fee, cashback rewards, and other perks, this card offers value for students who are looking to make purchases and build their credit profile.
Why choose Discover it® Student chrome
Discover it® Student chrome is an excellent choice for college students who want to start building their credit history. Here are some reasons why you might want to choose this card:
- Cash back rewards: With this card, you can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, you can earn 1% cash back on all other purchases.
- No annual fee: This card has no annual fee, so you won’t have to worry about paying extra just to use it.
- Good grades rewards: If you get a GPA of 3.0 or higher each year, you can earn a $20 statement credit each school year for up to five years.
- Free FICO credit score: Discover provides you with a free FICO credit score so you can monitor your credit and make improvements over time.
- Student-friendly benefits: Discover it® Student chrome provides benefits that are designed specifically for students, such as a $0 fraud liability guarantee and a six-month introductory 0% APR on purchases.
By choosing Discover it® Student chrome, you can start building your credit history while earning cash back rewards on your everyday purchases.
How to apply for Discover it® Student chrome
You can apply for the Discover it® Student chrome card online by visiting the Discover website. Here’s how:
- Go to the Discover it® Student chrome page on the Discover website.
- Click on the “Apply Now” button.
- Enter your personal information, including your name, address, date of birth, and Social Security number.
- Fill out your school information, including your enrollment status and your major.
- Provide your employment information, including your income and employer’s name and address.
- Choose the card design you prefer.
- Review the terms and conditions, and then click “Submit” to complete your application.
You’ll typically receive a decision on your application within minutes. If approved, you’ll receive your new card in the mail within 7-10 business days.
What are my approval odds for Discover it® Student chrome
The approval odds for the Discover it® Student chrome card depend on several factors, including your credit history, income, and other financial information. As a student card, the Discover it® Student chrome is designed for individuals who are new to credit or have limited credit histories, which may increase the likelihood of approval.
In general, if you have a good credit score and a steady income, you may have a higher chance of being approved for the card. Discover may also consider your credit utilization ratio, which is the amount of credit you are currently using compared to your available credit. If your credit utilization is low, it may improve your chances of being approved.
However, it’s important to note that every individual’s financial situation is unique, and approval odds can vary widely depending on many factors. The best way to determine your specific approval odds for the Discover it® Student chrome card is to apply and go through the application process.
FAQs about Discover it® Student chrome
- What is the Discover it® Student chrome card?
The Discover it® Student chrome is a credit card designed for college students who want to build their credit history while earning rewards on their purchases. It offers cash back rewards on purchases, as well as perks and benefits tailored to students.
- What are the rewards offered by the Discover it® Student chrome card?
The card offers 2% cash back on gas and restaurant purchases, up to $1,000 in combined purchases each quarter. It also offers 1% cash back on all other purchases. Plus, Discover will match all of the cash back you’ve earned at the end of your first year.
- Are there any fees associated with the Discover it® Student chrome card?
The card has no annual fee and no foreign transaction fees. However, it does have fees for balance transfers, cash advances, and late payments.
- What credit score do I need to be approved for the Discover it® Student chrome card?
The Discover it® Student chrome card is designed for individuals who are new to credit or have limited credit histories. While having a good credit score can increase your chances of being approved, Discover may still approve applicants with lower credit scores.
- What benefits are offered by the Discover it® Student chrome card?
The card offers benefits such as free access to your FICO credit score, a $20 statement credit each school year if your GPA is 3.0 or higher, and the ability to freeze your account if your card is lost or stolen. It also offers fraud protection and 24/7 customer service.
- How do I apply for the Discover it® Student chrome card?
You can apply for the card online by visiting the Discover website and filling out an application. You will need to provide personal and financial information, as well as information about your school and enrollment status.
