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Discover Student Monogram Collection Credit Card

Discover® Student Card - Monogram Collection

- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 1% unlimited Cashback Bonus on everything else you buy
$0 Fraud Liability- you will not be responsible for unauthorized charges
- No Annual Fee
- Text and Email Alerts
*Click apply to view rates, fees, rewards, limitations and other important information

(3.0 out of 5.0)

Information - Rates - Fees

Intro APR:

0%*

Applied Towards:

Purchases

Intro Period:

9 months*

APR:

12.99% - 18.99%*

APR Type:

variable

Annual Fee:

$0.00*

Issuer:

Discover Bank

Card Network:

Discover®

Card Category:

Student (Regular)

Card Type:

Low Interest Credit Card
Reward Card

Credit Needed:

Fair*

Grace Period:

25 days*

Min Finance Charge:

$0.50

Late Payment Fee:

$39.00*

Over Limit Fee:

$39.00

Balance Transfers

Balance Transfer:

Yes!

Transfer Fee (%):

3.00%

Cash Advances

APR on Cash Advances (%):

23.99%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$5.00

Comments

* See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on Discover's website.

Review

The Discover Student Card - Flamingo Monogram credit card is designed for students and young adults who have the need to improve their credit rating over time. It's a card charging highly competitive APRs and offering various benefits for card members to enjoy. Card members are allowed to transfer balance and conduct cash advance transactions.

Cash back bonuses are awarded as card members make eligible purchase transactions. Annual purchases below $1,500 receive a .25% cash back bonus, it's .50% afterwards and 1% with more than $3,000 in annual purchases. Rewards are redeemable in $20 increments. There is no yearly limit and cash earned does not expire.

There is no annual fee.

Additional card features are online account management, secure account numbers, email reminders, and zero fraud liability guarantees.

Features

Most attractive:

- Personalized card
- 0% Intro APR
- No annual fee

Least attractive:

- "Two Cycles Average Daily Balance" method is used to determine finance charges

Rewards & Benefits

Reward Types:

Cash Back Reward Cards
Gas Reward Cards

Reward Unit:

Cash

Rewards:

- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Shop Discover site
- Up to 1% unlimited Cashback Bonus on everything else you buy

Expiration:

None

Yearly Limit:

None

Other Benefits:

- Internet related services
- Email reminders to help you avoid fees
- $0 fraud liability guarantee
- Advanced fraud early warnings alerts

See Terms and Conditions for additional benefits

Online Access: