Discover It Student Card – Benefits

The transition to university life brings with it a series of challenges, and one of them involves financial management. In this context, the Discover It Student Card emerges as an interesting option for students. Especially those students who want to build a solid credit history while enjoying exclusive benefits.

Today we will present the Discover It Student Card, exploring details about the issuing bank, the brand, the associated fees, the coverage offered, the requirements to obtain this card, its benefits and disadvantages, how to apply for it and whether it is worth acquiring.

Discover the Discover It Student Card

There are some particular details about this card that you need to be aware of, see below:

Issuing Bank – The Discover It Student Card is issued by Discover bank, a financial institution that has gained recognition for its innovative approach and commitment to its customers.
Flag – The Discover It Student Card bears the Discover flag, a credit brand widely accepted in the United States.
Annual fee – One of the notable features of the Discover It Student Card is the absence of an annual fee.
Coverage – The card offers global coverage, allowing cardholders to use it in a variety of locations around the world. Additionally, the Discover brand offers fraud protection, ensuring transactions are secure.

Benefits and Advantages of the Discover It Student Card

The Discover It Student Card offers a variety of benefits and advantages that make it attractive to students:

Cash Back Rewards: One of the most notable features is the cash back rewards program. Cardholders can earn cash back rewards on their everyday purchases, with higher percentages in rotating categories such as restaurants, grocery stores and gas stations.

Low Fees: The card charges no annual fee and offers low introductory interest rates. Additionally, there is no foreign transaction fee, which is ideal for students traveling internationally.

Free Credit Monitoring: Discover It Student Card holders have free access to Discover’s credit monitoring service, which provides information about your credit history and FICO score.

What do you need to get the Discover It Student Card?

The Discover It Student Card is designed specifically for college students, which means approval requirements are generally more flexible than those for traditional credit cards.

However, the interested party must meet certain criteria, such as:

Age: You must be a college student at least 18 years of age to apply for the card on your own. Otherwise, a co-signer or guarantor, such as a parent or guardian, may be required.
Income: It is important to have a stable source of income or access to financial resources to ensure you can meet your payment obligations. This may include part-time income, internship, scholarship, or financial aid.
Credit History: Although the Discover It Student Card is accessible to those with no prior credit history, having a positive credit history can increase your chances of approval.

Negative Points of the Card

Although the Discover It Student Card has several advantages, it is important to be aware of its negative points:

Limited Acceptance Internationally: Although the Discover flag is widely accepted in the United States, there may be limitations on its use in some countries outside the US. It is always advisable to check acceptance before traveling.
Rotating Rewards: Although the rewards program offers attractive benefits, rotating categories may require cardholders to constantly follow up to maximize their rewards.

Ways to Apply for the Discover It Student Card

Applying for the Card is a relatively simple process. You can do it online by visiting the official Discover website or contacting the financial institution directly.

Generally, you will need to fill out an application form, provide basic personal and financial information, and wait for approval.

Is it Worth Ordering the Discover It Student Card?

The decision to apply for the Discover It Student Card depends on your financial needs and goals.

For college students who want to build a credit history, enjoy cash back rewards, and not worry about annual fees, this card could be a smart choice.

However, it is essential to use it responsibly, paying your bills on time and avoiding accumulating excessive debt.

With proper financial management, the Card can be a valuable tool to support your college years and beyond.