Discover It Student Chrome Review With Pro And Cons – 20 Points

1. Discover it student chrome is good choice if you spend lot of money on gas and restaurants.

Pros

Cons

2% cash back on gas and at restaurants up to $1000 purchase each quarter.

Not Accepted Everywhere

Intro apr on purchase and balance transfer

Your spending does not fit with bonus categories.

No annual fee

Few purchase protection benefits

No foreign transaction fee

Few travel protection.

Discover will match the cash back you earn during your first year.

Even fico history is not required, you still have to show independent income if you are under 21.

No FICO history required.

 

2. Reward Rate:

Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
Earn unlimited 1% cash back on all other purchases.
Matches all the cash you’ve earned for the first year.
$20 statement credit every year for good grades (5 year limit).

3. Intro Apr for Purchase:

0% intro apr for purchase for 6 months.

4. Intro Apr for Balance Transfer:

10.99 % intro apr for balance transfer for 6 months.

5. Regular Apr:

15.24% – 24.24% Variable

6. Annual Fee:

$0

7. Credit Needed:

630- 689 average

8. Other Benefits:

100 % us based customer service.
No late fee on first late payment.
free social security number alerts
free Credit Scorecard with your FICO® Credit Score
Freeze it on/off switch for your account that prevent purchase, cash advance and balance transfer within seconds.

9. Do not go for discover it student chrome:

If you have poor credit.
If you want to use abroad.
If you want maximizing rewards with varied spending.

10. Balance Transfer Fee:

3% intro balance transfer fee, up to 5% fee on future balance transfers

11. Max Late Fee:

$39

12. Foreign Transaction Fee:

None

13. Cash Advance Fee:

5% (min $10)

14. Max Penalty Apr:

None

15. Grace Period:

23 days

16. Cash Advance Apr:

27.24% (V)

17. Go For Discover It Student Chrome Card:

If you want high rewards on gas and restaurants.
If you want good customer service.
If you want to build credit history.
If you want card with no late fee on first late payment.

18. Customer Experience:

24/7 customer service:
Yes
Online chat available:
Yes
Google Play Store mobile app rating:
4.6/5
Apple Store mobile app rating:
4.8/5

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