How to Apply Discover It Student Chrome Credit Card

The Discover It Student Chrome Credit Card stands out as an attractive financial tool designed especially for students. Students can manage their finances with no annual fee and a generous cashback reward system while building a credit history. This comprehensive review guides potential cardholders through the key features, pros and cons, and the Discover It Student Chrome Credit Card application process.

Benefits

One of the primary advantages of the Discover It Student Chrome Card is the rewarding cash-back system it offers to its users. Below is a detailed exploration of its notable benefits:

2% Cash Back at Gas Stations and Restaurants: Cardholders can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.

This feature is especially beneficial for students who drive and dine out frequently, allowing them to save extra on their everyday expenses. After reaching the $1,000 cap, purchases in these categories will still earn unlimited 1% cash back.

Unlimited 1% Cash Back on All Other Purchases: In addition to the 2% cash back on specified categories, the Discover It Student Chrome Card offers unlimited 1% cash back on all other purchases.

This broad category encompasses all other expenditures, ensuring students earn rewards for virtually every dollar they spend.

Cash Back Match at the End of the First Year: An exciting benefit for new cardholders is the cash-back match offered by Discover at the end of the first year.

This means that all the Cash back earned in the first year of card membership will be matched by Discover, effectively doubling the rewards earned.

No Annual Fee: The absence of an annual fee is a significant boon for students, who often have to manage their finances on a tight budget.

This feature ensures that cardholders can enjoy the card’s benefits without any yearly charges eating into their earnings and savings.

0% APR on Purchases for the First Six Months: Cardholders will enjoy a 0% Annual Percentage Rate (APR) for the initial six months on their purchases.

This feature is valuable for students planning to make large purchases, allowing them to pay off the balance over six months without accruing interest.

Intro APR on Balance Transfers for the First Six Months: Additionally, the card offers an introductory APR on balance transfers for the first six months, allowing students to manage and consolidate their debts more effectively during this period.

The Discover It Student Chrome Card stands out with its diverse range of benefits tailored to meet the financial needs and preferences of students, offering substantial cash back rewards, a year-end cash back match, no annual fee, and introductory 0% APR on both purchases and balance transfers.

Prerequisites

Before diving into the application steps for the Discover It Student Chrome Card, hopeful cardholders should be familiar with and grasp the essential prerequisites to guarantee a seamless and straightforward application journey.

Primarily, applicants should have reached at least 18 years of age. This age condition is a usual requirement across many, if not all, credit card firms to ensure the financial maturity and independence of the cardholder.

Besides the age condition, applicants must possess U.S. citizenship or permanent resident status. This criterion confirms that the applicant maintains a steady and confirmable status in the United States, offering extra reassurance to the credit card company about the applicant’s background.

Additionally, having a legit Social Security number is another crucial necessity. This number is employed for confirming the identity of the applicant and stands as a regular mandate for every credit card application in the USA.

It grants the credit card institution the authority to execute a credit examination, a basic stride in evaluating the applicant’s eligibility for credit and figuring out the credit conditions to be offered.

About the Bank

Discover Financial Services, the esteemed Discover It Student Chrome Card issuer stands as a pillar in the U.S. financial landscape.

With a rich and extensive history, it commands a significant reputation for reliability and comprehensive financial solutions. Beyond just credit card services,Discover provides diverse offerings, including various types of loans and deposit accounts, catering to a broad spectrum of clients’ needs.

Their commitment to customer satisfaction and innovation has solidified their position as a trusted and go-to financial institution for countless individuals seeking robust and dependable financial services and products.

Discover other Discover services, like the Discover SoFi’s Personal Loans.

Who Is This Card For?

The Discover It Student Chrome Card is tailor-made for students eager to embark on their financial journey. It’s an excellent choice for those who accumulate rewards on everyday expenses while constructing a solid credit foundation.

The absence of annual fees makes it an economical option, allowing students to focus on their financial growth without the additional pressure of unwarranted charges, fostering a seamless transition into the world of credit.

Pros and Cons

Pros:

• No annual fee
• Cash back rewards
• 0% Intro APR

Cons:

• Lower rewards compared to other cards
• Foreign transaction fees
• Late payment fees

How to Unlock the Card

Upon receiving the card by mail, call the number provided or visit the Discover website to activate the card.

Fees and Tariffs

Late payment fee: $41

Foreign transaction fee: 2.5% of the transaction amount

How to Apply

Application is straightforward:

• Visit the Discover website
• Provide personal, employment, and income information
• Apply for review and approval

PRESS HERE TO APPLY THE DISCOVER IT STUDENT CHROME CREDIT CARD

Customer Service

For assistance, contact Discover through:

• Phone: 1-800-Discover (1-800-347-2683).
• Chat: Available on Discover website and app
• Secure message: Accessible on Discover website and app

Final Thoughts

The Discover It Student Chrome Credit Card is a valuable financial instrument for students, with substantial rewards and no annual fee.

The application is simple, and the card also assists in building a solid credit history. Nevertheless, hopeful cardholders must evaluate the fees and their expenditure patterns prior to moving forward with the application.

Your financial well-being is crucial, and the suitable credit card can bring about a significant difference in handling your finances efficiently.