Designed for students who want a credit card with benefits!
Practical, economical and advantageous, this card offers unique features specially designed to meet your daily needs.
You can enjoy up to 5% back on rotating categories like grocery stores, restaurants, gas stations, and video streaming, and 1% on everything else.
The most significant feature is its unlimited cashback program, so your money will double automatically without limits or complications.
The service has no annual fee and a credit score is not required when applying for a card, meaning you can start your credit history quickly.
Along with these benefits, Discover Student Cash Back® offers features such as text email alerts, merchant acceptance in 99% of the US, and free-choice designs.
Check below all the advantages that the Discover Student Cash Back card offers, as well as its benefits, improvement points and how to request it.
Discover Student Cash Back
5% cashback on rotating categories. Rotating categories require activation.How does Discover Student Cash Back work?
Student Cash Back® is a credit card for students who want to build credit while earning attractive rewards.
The main benefit is the cashback program, which guarantees 5% cash back on purchases from rotating categories every quarter, such as supermarkets, restaurants, gas stations and streaming services when activated and 1% on otherwise immediate purchases.
There are no limits to doubling your rewards.
Discover Student Cash Back® makes life easier for students by eliminating annual credit transaction fees and not requiring a credit score for your application.
Additionally, you will receive payment reminders, due dates and there are important SMS and emails via your credit card.
Key Benefits of Discover Student Cash Back
One of the main advantages of the program is its cashback program. This implies a 5% cash return per turnover across several categories such as supermarkets, restaurants, gas stations and streaming services.
Given that specifications change every quarter and require activation, average student day-to-day tickets become much cheaper.
For all other purchases, 1% cashback will be automatically awarded.
Additionally, there is no cashback limit for matching for a year.
Until the end of the first year, all money accumulated will receive an automatic surplus from Discover itself, with no limit on the amount.
Students thus maximize their advantages right at the beginning of their financial journey. With the lowest university interest rates available.
Other specifications include: customizable designs, email and SMS alerts, as well as acceptance in 99% of common credit card usage locations in the US.
Additionally, the card also offers support to increase the card limit according to salary and usage updates, students also have the possibility of financial progression.
Discover Student Cash Back® is the best way for students to get more rewards.
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Disadvantages of Discover Student Cash Back
Discover Student Cash Back® has its cons, despite several pros.
These include: Rotating categories. Since the 5% cashback discount is limited to rotating categories each quarter, students must activate the updated categories to get a discount.
In addition to the reward percentage, there is a limit on the amount of eligible purchases each quarter.
Naturally, this may conflict with expensive purchases in eligible categories.
Rewards for the first year only.
Although the cashback is doubled in the first year, it is not doubled for future years. This may mean that the long-term rewards are not worth it considering that there is no possibility of accumulating points in the long term.
These aspects can be significant for students who want a more predictable credit card.
APR and Fees
In terms of financial structure, Discover Student Cash Back® facilitates the student’s journey. The fact that it requires no annual fee means it’s easy to use.
However, there are fees to understand when using the card, such as the APR rate, which is between 17.24% and 26.24%, varying depending on the customer’s credit.
Other charges are Late Payment Fees that range from $19 to $40, and transaction fees that range from 5% to $10.
How to claim Discover Student Cash Back
To apply for your Discover Student Cash Back® Card, you need to visit the official Discover business website or click on the link below.
Shortly after filling out the form details, you will receive a confirmation email. As the card is intended for students who do not yet have credit, approval is simple and practical.
After that, your card will arrive at the address informed on the form and you will be able to enjoy all its benefits.
In addition to low rates and easy approval, your card also allows you to build credit, an excellent opportunity for those who want to build a good financial reputation!
An excellent option for those looking for a card that allows them to build or rebuild credit while offering an interesting scoring program.
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