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Earn rate of 1 - 6% cash back. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. To protect your account security, the display of rates and APRs. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. @kaplanlier11 As far as how they check if you are a student, that's pretty easy, they ask what school you go to, what year you are, your expected graduation date and what degree you're going for on the application. But you do want to focus on cards that require “good” credit or below, since 700 is a good credit score. You agree that we may provide you with your pre-approval decision and application decision and, if approved, any disclosures, notices or other information (collectively "disclosures") legally required in connection with your Discover card Account electronically rather than in paper form. One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Maximum referral of 10 rewards ($500) per calendar year. And … website, please turn JavaScript on. 10/28/18. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Terms of Good Grade Reward Offer are subject to change. You've earned cash back rewards only when they're processed, which may be after the transaction date. Discover will take other factors into account when you submit your application, too. You’ll still enjoy all your rewards and other student card benefits without paying interest charges. And, naturally, you’ll have to be a student. Blue Cash Preferred® Card from American Express - Intro APR of 0% for 12 months on purchases. But you do want to focus on cards that require “good” credit or below, since 700 is a good credit score. (Even if a customer pays the balance every month, we will charge interest on balance transfers and cash advances the day they post, so you cannot avoid interest charges for these types of transactions.). You may want to hire a professional before making any decision. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. be unable to log in to Discover.com in the future if your After you graduate from college, your student credit card will become a standard credit card. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. Also, you’re never held responsible for unauthorized purchases on your Discover account. In addition, it is not any company’s responsibility to ensure all questions are answered. While many things might be changing in your life, your Discover Student card doesn't have to. Although not quite 70 years old, the credit card has quickly become a fixture of American consumer finance, which means there are a handful of common credit card requirements consumers may come across.. First posted on 04/25/18 Amazon is not a sponsor of this promotion. How to handle credit card payments like a, Visit the Discover Credit Resource Center for, Learn No rewards. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Use your Discover student login to set alerts, view your FICO® Score for free1 and more, all from your smartphone, tablet or wearbale. Of course, there are other things that affect the application process too, like income and the number of recent inquiries on your report. A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. It all depends on your individual needs, as no card does everything best. As an example, let’s take the Discover it® Student Cash Back—in my opinion one of the best student cards available right now. Rewards are added to your Cashback Bonus account within two billing periods. Certain digital wallet transactions qualify for 2% Cashback Bonus, for more information see Discover.com/digitalwallets. Opinions expressed here are the author’s and/or WalleHub editors'. I applied for a Discover Student card, It's not a secured card, but didn't require a security deposit for a $500.00 line of credit as long as I had proof of my admissions to my chosen University that I'll be attending in the fall. Popular Credit Cards for a 600 Credit Score, BBVA Compass Business Secured Credit Card, Navy Federal Credit Union nRewards® Secured Credit Card, To learn more, check out WalletHub’s guides on. What is APR? And there's no annual fee. You can get the Discover it Secured Card with a bad credit score (below 640). 10 points per $1 spent at Radisson and 5 everywhere else. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Existing Discover cardmembers and those who have opted out of receiving market communications from Discover are not eligible referrals. Wallethub doesn’t charge for this service. more in the Discover Help Center. If you are under 21, you must provide proof of your independent income or assets to show that you will be able to repay the amount you charge. browser to access this page. Credit card applications often don’t address that question. But if you're studying overseas, it's not a great choice. web browser. No purchase minimums. How you use your aid is a big factor in whether it can qualify as income. An annual percentage rate (APR) is an interest rate that determines the finance charges you pay on your account if you carry a balance or take a balance transfer or cash advance. Student credit cards may have a lower credit limit, so students can get started, practice responsible use and build their credit history. Does replacing your credit card affect your credit score? Is there a rule against applying for multiple credit cards in one day? Some require a Social Security number or an Individual Taxpayer Identification Number. touch or with swipe gestures. Checking for pre-approval won't hurt your credit score. What is the limit on Discover Student Card? Thee Discover it Student Cash Back and Discover it Student chrome cards have the same approval requirements. For example, they’ll look at the number of accounts you already have open, if any, and your recent credit inquiries. No foreign transaction fees. Please give us two billing cycles to process your request. Offer may not be combined with any other introductory offer. You can get the Discover it Secured Card with a bad credit score (below 640). To learn more, visit Discover.com/FICO. In order to enjoy the full experience of the Discover Gas Stations affiliated with supermarkets and supercenters may not be eligible. Students with a Discover it ® or Discover it ® Chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 statement credit ("Good Grade Reward"). You can do a pre-approval check for most of the best credit cards for a 700 credit score. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You might need a new student credit card for a number of reasons, but simply replacing your credit card will not affect your credit score. And all your other purchases still earn 1% cash back automatically, with no limit. Here are the Discover student card requirements: Overall, the Discover student card requirements aren’t too hard to satisfy. Students earn 5% cash back on everyday purchases during the school year (and all year long) at different places each quarter, such as. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. 3% foreign transaction fee. your browser, We noticed that you're using an old version of your internet Requirements for this card are typical in terms of age and residency. This promotional offer may not be available in the future and is exclusively for new cardmembers. What happens to my Discover student card when I graduate? How do you avoid paying interest on a credit card? You won’t need to have any kind of credit history, as student cards are designed for people with limited or no credit. Wells Fargo Platinum card - Intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers on balance transfers. – Radisson Premier Visa Signature - 50,000 bonus points for making your first purchase, plus 35,000 points for spending $2,500 in the first 90 days. Your monthly income must be at least $425 more than your monthly rent or mortgage payment. And getting either of the two Discover it Student cards is an excellent way to start building your credit history. That’s because Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. If you can pay for a security deposit, you can most likely get the card. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. And, naturally, you’ll have to be a student. 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