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Discover Student Card - Tropical Beach

Discover® Student Card - Tropical Beach

- 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

(2.5 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:

Instant Decision Card
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

Other Fees

Additional Fees

There are no additional fees for this card

Review

The Discover Student Card - Tropical Beach credit card is issued to students and young adults having limited or bad credit. It's an ideal starter card for those individuals who need to improve credit and build more solid histories over a period of time. Interest rates charged are highly competitive and one of the best amongst student cards.

Online account management ensures card members can keep track of spending, cash bonuses and other transactions with ease. Online secure account numbers make online purchasing more secure.

Card members who spend frequently can take advantage of a cash back program awarding cash bonuses up to 20% on purchases from participating retailers. Every eligible purchase awards 1%. Cash bonuses are redeemable for cash, merchandise and gift cards.

Applicants have a variety of card designs to choose from.

Features

Most attractive:

- 0% Introductory APR for 6 months
- Double cash rebates at participating retailers and merchants (through the Get More Cashback Bonus® program)

Least attractive:

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

Rewards & Benefits

Reward Type:

Cash Back 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
- 1% unlimited Cashback Bonus on everything else you buy

Expiration:

None

Yearly Limit:

None

Other Benefits:

- Several card designs to select from
- Various Internet account related services
- $0 liability for unauthorized transactions
- Discounts on products and services at participating merchants and retailers

Online Access: