Discover® Student Credit Cards: Fast Online Approval

Discover Student credit card provides students easy access to credit. The applicant/student is not required to have excellent or even average credit to qualify. Discover will carefully review applications from all applicants including those students who have yet to establish their credit score. Even with bad credit, an application still maintains a reasonable chance of receiving a positive response. Credit lines, purchase APR, and a few card features are dependent on credit worthiness.

Consumers are encouraged to choose from over 150 special card designs. Successful applicants receive a copy of this card with a card agreement included. Card members should always go through the card agreement before using this card on a first purchase.

An introductory APR period applies towards purchases, and balance transfers. The intro period lasts throughout a mid term period. On expiry, purchase interest remains fixed and reasonably low. Card members do not incur an annual fee.

Complete fraud protection guarantees zero liability in event of unauthorized transactions. Online shopping is made more secure with special credit card account numbers generated on request.

Reminder emails are sent to help ensure card members avoid late payments. Access to the card account online puts the card member in control with budgeting and expenses tracking made easier.

Card members can participate in a cash back program. Purchases in an applicable category earn up to 5% cash back. Travel, gas, groceries and restaurants are amongst the categories rotated from optimum rewards. For items not included in the bonus offer, 1% cash back is awarded. Unlike some other student cards, this applies to virtually every purchase. Cash earned is good for rebate checks redeemable in $20 increments made payable to the card member, travel credit redeemable on a preferred destination with an airline of choice, and gift cards for free merchandise at reputable stores. Rebates earned do not expire and there’s no yearly limit applicable.

Purchasing from Shop Discover guarantees between 5% and 20% cash back bonus on select items.

Discover Student credit card is one of those few student cards designed to make life easier while teaching card members to incur less debt through timely payment.

Our top choices for Discover Student credit cards are shown below.  To find out more on the Discover Student credit card, click on a one of the cards below.

You can search, compare and apply for the best student credit card offers available at ApplyForCreditInstantly.com

Student Credit Cards: Money Management Lessons

Student credit cards can be useful. As trite as that sounds, it’s the best way I can describe them, from very personal experiences. Allow me to tell you about a few things that happened to me in my freshman year, and shed some light on the foggy misconceptions of student credit.

I was not a privileged student as far as finances went. I was constantly searching for ways to acquire funds just to cover my tuition and book expenses. Other kids got to blow their parents money on liquor or ultra trendy/preppy frat apparel (pastel colored polo shirts and chino khakis galore, don’t forget your $80 sandals), while I scratched and clawed to just get to class. At one time I attempted to sustain myself by playing poker, but that proved to be a futile idea.

It got to the point that I had been kicked out of the university multiple times in both semesters of my first year. Ironically, each time I was only coming up about $300 short of payment, though that was enough for me to have to scramble for some new plan to save my credit hours. Of course, once I made payment and was re-admitted into school, I’d be hit with a $200 late registration fee, and the cycle would begin all over again.

While I was suffering, there was an easy solution directly in front of my face each time I passed my bank. A student credit card typically has a spending limit of about $500 - $1,000. It’s deliberately set low so students learn to spend sparingly, and banks are protected against witless college kids spending half of their cash reserve and then failing to make payment. However, my periodic bills of $200 and $300 would fit snugly under that limit, and even leave enough on top for me to have enjoyed a few small luxuries.

I walked past all the signs for student credit cards without even looking because I was raised with the stigma that many college kids have, that of the parentally-installed thinking that credit cards are bad news if you’re young. Potentially because so many parents have found themselves on the wrong side of the credit and interest equation, thereby believing their offspring will fall into the same trap.

I wish I hadn’t thought that. I could have been spared so much trouble - and so many late fees - if I’d just applied for a card.

Some student credit cards also require a co-signer. Banks do this as a safety net for themselves and the student, in the event the student can not make payment, and you can’t blame them for wanting to cover the symbolic rear-ends of all parties involved.

Students facing my former plight may fear the high interest rates student credit cards have compared to other cards. That’s entirely understandable, and credit cards shouldn’t be taken lightly. However if you’re responsible enough to handle the payments, you can build good credit early, which will give you endless advantages later in life.

You can search, compare and apply for the best student credit card offers available at ApplyForCreditInstantly.com