Discover It Student: A credit card for college students

The Discover IT Student credit card is tailor made for students aiming to establish their credit history and earn rewards. This cashback card offers 5% cashback on purchases, at locations as well as 1% cashback on all other purchases. The best part is that there are no limits to the cashback rewards and they can be redeemed whenever desired.

One of the standout features of the Discover IT Student credit card is that it doesn’t require a credit score for application. This makes it an ideal choice for students who are just starting to build their credit history. Moreover there are no fees allowing students to benefit from the perks of this card without any charges.

In summary the Discover IT Student credit card is an option for students who want to establish their credit history while earning rewards. With its cashback program, absence of fees and no requirement for a credit score during application it serves as a fantastic tool to lay down a solid financial foundation.

In this article you will find:

Overview of Discover IT Student

This article provides an overview of the Discover IT Student credit card – specifically designed with students, in mind – offering them opportunities to build their credit history while enjoying the advantages of a cashback rewards program. This particular card is quite appealing, to students due to its features, such as no fee the opportunity to earn cashback rewards and the availability of tools that assist students in building their credit.

Eligibility Requirements

To qualify for the Discover IT Student credit card students must be currently enrolled in a college or university. Be least 18 years old. They are also required to possess a Social Security number and have a source of income. International students can also apply for this card if they have a Social Security number or an Individual Taxpayer Identification Number (ITIN).

Credit Building Features

One of the standout aspects of the Discover IT Student credit card is its assortment of tools designed specifically for building credit. Cardholders receive access to their FICO credit score from Discover, which allows them to monitor their credit history and work towards improving their score over time. Additionally there’s a feature called “Good Grades Rewards” that offers a $20 statement credit each school year if the cardholder maintains a GPA of 3.0 or higher.

Alongside these features for building credit the Discover IT Student card includes a cashback rewards program. Users can earn 5% cashback on up to $1,500 spent per quarter in rotating categories as 1% cashback, on all other purchases.

The Discover IT Student credit card offers a feature called “Cashback Match.” This feature automatically matches all the cashback earned by the cardholder at the end of their year.

In general the Discover IT Student credit card is a choice, for students who wish to establish their credit history while earning cashback rewards. With no fee helpful credit building tools and a generous rewards program this card is an option for students looking to develop good credit habits and earn rewards simultaneously.

Step by step guide to applying for the Discover IT Student card

1. Begin by visiting the application page for Discover Card.
2. Fill out the application form with your details, including your name, address, phone number, email address and Social Security number.
3. Provide your information such as employment status, annual income and monthly housing payment.
4. Select the type of card you want to apply for—, in this case—the Discover It Student card.
5. Carefully review all terms and conditions associated with the card before proceeding. This includes understanding interest rates, fees involved and details regarding the rewards program.
6. Finally submit your completed application.

 

Please note that these steps should help guide you through a process when applying for the Discover It Student credit card in order to maximize chances of success.

To be eligible, for the Discover It Student card applicants must be 18 years old possess a valid Social Security number and be enrolled in a college or university. Discover also takes factors into consideration such as credit history, when evaluating applications.

It’s important to keep in mind that submission of an application does not guarantee card approval. Discover will carefully review the application. Notify the applicant of their decision within a weeks. If approved the card will be sent by mail to the address provided.

Card Benefits

The Discover IT Student credit card offers benefits designed specifically for students. Here are some of the advantages:

Cashback Rewards

One of the enticing perks of the Discover IT Student credit card is its cashback rewards program. Cardholders can earn 5% cashback on purchases at locations they shop at each quarter (such as grocery stores, restaurants, gas stations, etc.) up to a maximum when they activate it. Additionally they can earn 1% cashback on all purchases made. It’s important to note that the specific schedule for earning 5% cashback may change from quarter, to quarter so cardholders should remember to check it to see where they can earn rewards.

The cashback rewards can really pile up for students who use their credit card frequently. When it comes to redeeming those rewards cardholders have the options of getting statement credits, direct deposits or gift cards. On top of that Discover goes above and, beyond by matching all the cashback rewards earned by cardholders at the end of their year effectively doubling their rewards.

Good Grade Reward

A nice perk that comes with the Discover IT Student credit card is the Good Grade Reward program. Basically if a student maintains a GPA of 3.0 or higher during a school year they can earn a $20 statement credit for up to five years. This reward not motivates students to excel academically. Also allows them to enjoy the perks of having a credit card.

To qualify for this Good Grade Reward program students need to provide proof of their GPA by submitting either their report card or transcript to Discover. Once verified the reward will be applied to their account within seven business days.

In summary the Discover IT Student credit card offers benefits that can assist students in building their credit history while earning cashback rewards along the way. With no fee and no requirement for a credit score when applying it’s an excellent choice, for any student looking to kickstart their credit journey.

Managing Your Account

Online Banking

Discover IT Student provides banking services for all its cardholders.

This service enables cardholders to conveniently manage their accounts anytime and anywhere. To access the banking platform cardholders must sign up for an account, on the Discover website. Once they have registered they can easily view their account balance, transaction history and payment due date. Additionally they can make bill payments set up payments and request an increase in their credit line.

The online banking platform is designed to be user friendly and easy to navigate. Cardholders can get an overview of their account summary on the dashboard and access detailed information by clicking on relevant tabs. They also have the option to download transaction history and account statements for record keeping purposes.

Mobile App Usage

For those who prefer managing their accounts on devices Discover IT Student offers an app that is available for download from both the App Store and Google Play. The app provides all the features offered on the banking platform including viewing account balance, transaction history and payment due date.

Through the app cardholders can conveniently make payments set up payments and even request an increase in their credit line. Additionally there is a feature, within the app that allows users to freeze their account in case of an stolen card.

The mobile application is designed to be user friendly and easy to navigate. Users of the app can easily access their account summary on the screen. Find more detailed information by tapping on the relevant tabs. Additionally they have the option to set up account alerts to receive notifications, about any activity on their account.

In summary Discover IT Student offers banking services and a mobile app for its cardholders. These features provide cardholders with the flexibility to manage their accounts from anywhere and at any time.

Security and Fraud Protection

When it comes to security and fraud protection Discover IT Student takes measures to ensure the safety of its cardholders accounts. They offer a $0 Fraud Liability Guarantee meaning that cardholders are not held responsible for any purchases made on their Discover Card account. Furthermore they provide 24/7 fraud monitoring constantly keeping an eye on cardholders accounts for any activity and promptly notifying them if anything, out of the ordinary is detected.

Moreover Discover IT Student offers a service called “Freeze it ” which allows users to temporarily disable their cards in case they suspect any activity. This feature can be activated through either the Discover mobile app or the online account center.

To further enhance security and prevent identity theft Discover IT Student has implemented chip enabled technology that encrypts cardholders information. This added safeguard makes it more challenging for fraudsters to steal data.

Moreover Discover IT Student offers a virtual account number, which serves as a card number, for online purchases. This feature plays a role in safeguarding cardholders actual account numbers from any compromise or unauthorized access.

In general Discover IT Students comprehensive security measures and fraud protection features ensure that cardholders can use their cards with peace of mind. With the clock fraud monitoring a $0 Fraud Liability Guarantee and additional security functionalities like “Freeze it” and chip enabled technology Discover IT Student takes steps to protect cardholders accounts from fraudulent activities.

Customer Support and Resources

Discover IT Student provides customer support options to assist students with their queries or concerns. Students can refer to the companys website where they will find a FAQ section covering topics such as account management, payments, rewards programs and security measures. Additionally students can reach out to customer support via phone. Messaging through the user Discover app.

For assistance to online account access issues, mobile app usage problems or other related technical glitches students can contact Discovers dedicated online technical support team at 1 800 DISCOVER. The team is adept, at resolving any hurdles faced by students promptly. Furthermore students also have the option to message an agent based in the United States who will provide answers to their questionsDiscover IT Student also offers a range of resources to assist students in handling their finances and maximizing the advantages of their credit cards. The companys website comprises a variety of articles and guides that address topics, like establishing credit debt management and responsible use of credit cards.

Whats more Discover provides cardholders with a service to monitor their credit scores. This service ensures that students receive updates on their credit scores and alerts them about any changes or suspicious activities. It proves to be a tool for students who’re new to managing credit and wish to stay informed about their financial situation.

All Discover IT Student goes above and beyond in providing exceptional customer support and resources for students looking to effectively manage their finances while leveraging the benefits offered by their credit cards. Whether its inquiries regarding account details or assistance, with matters Discover is committed to assisting students every step of the way.