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As a student, you know that spending is easier when you have a line of credit. The Discover It for Students card provides you with a credit line, no annual fee and a lot of benefits. From cash back to the ability to name your due date, there are lots of features to consider.
Perks Of The Discover Card
There are many perks with having a Discover card. As a student, you will be given a generous credit line that you can use almost anywhere – online and locally with over 8 million merchants. If you choose to travel overseas, whether it's on vacation or studying abroad, the card will work there, too. You also won't get charged foreign transaction fees, which can save you a lot of money.
One of the other perks of having the card is that you will have expedited delivery of your card once you complete the online application. The application is available online and takes just a few minutes to complete. If you are approved, the card will arrive quickly, giving you the opportunity to start buying all that you need.
When you have the credit card, there are also a lot of reduced fees. There is no annual fee, no over limit fee and you will have a low APR, which is variable depending upon your credit score. If you are ever late on a payment, your APR won't be affected, which is unlike many other cards out on the market.
What CashBack Is All About
You will earn cash back with all of your purchases. Each purchase you make on the card earns you 1% in cashback rewards. There are also various categories that change quarterly where you can earn 5% cash back. This entitles you to even more rewards. All of the cashback rewards can be viewed in your account. You determine when you want to redeem them. You can choose the cash back as a statement credit or in the form of a check or even a Discover gift card.
You will also be able to use your cashback rewards at Amazon.com. This gives you the ability to pay for millions of things that you want without actually paying for them. All of your previous purchases will have paid for the items for you.
There is also a cashback concierge that you can tap into. This is an expert that you can reach with a toll free number to have a one on one conversation with. They will go through the spending on your account to provide you with advice on how to earn the most cash back on your card throughout the year.
There is no limit to the amount of cash back that you can earn. It will continue to accrue and never expire until you are ready to redeem it.
Manage Your Account Easily
You will be able to manage your account easily. From making payments to finding out what your balance is to talking about issues with your account, Discover has made it easy for you. You can take advantage of these tools as often as you need to without spending any money:
- Flexible payment date
- Mobile app
- Online account access
- Customer service
You have the ability to change the date of your payment. If it is due at the first of the month and you have a lot of other bills due around the same time, which may not be very convenient for you. The option, then, is to change the date to a date that will work for you. In order to do this, you can call customer service or change it online. From then on, your due date will be when it's more convenient, allowing you to pay all of your bills throughout the month without struggling financially.
There is a mobile app that you can download to your phone. There is a version from iTunes as well as from the Google PlayStore depending on the platform that you have. Once downloaded, you can access your account anywhere that your smartphone is. You can check your balance, available credit and even schedule a payment. This ensures you are always in control of your money no matter where you go.
You will also have online account access. A username and password will be created so you can create a secure connection each time you go on. From there, you can find out about your balance and available credit, look up past purchases, view your statements, download your statements and much more. You can find out what categories will earn you 5% for the quarter and schedule your monthly bill to be paid. You also have the convenience of enrolling in automatic bill payments so it will pay a fixed amount or the minimum amount due on the account each month.
Finally, you have access to customer service. The representatives are based in the United States, which enables you to have open communication without language being a barrier. They operate 24 hours a day, 7 days a week so you always have someone to talk to. You can talk online or over the phone – whichever is the most convenient for you. The representatives can help you lower your APR, increase your credit line, describe various benefits or help you dispute a charge. You will always get an answer right away so there is no waiting for questions to be answered about your account.
The Discover It for Students credit card is easy to apply for and gives you the credit line you need without all of the fees. As you use the card, you earn cash back and can manage your funds easily. It's a stress free card because you have enough stress as a student.