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Credit Card Reviews » Discover® Student Card - Monogram Collection |
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Your student credit card should do more than give you access to credit. It should make a statement about who you are. With the Discover® Student Card ® Monogram Collection, your credit card will be personalized for you as an individual. Not only will you get great cash rewards on your spending, but you'll do it with class.
When you choose to become a Discover® Student Card ® Monogram Collection cardholder, you will get credit card that has your monogram on the card. While everyone else has a card with the same old design on it, yours will be uniquely suited to you.
The Discover® Student Card ® Monogram Collection lets you get cash back every time you treat yourself. You'll get a 5% rebate for all of your purchases within a category that will change four times a year, so you can earn rebates for every season. The categories vary from things like travel and gas to restaurants and entertainment, making it certain that you'll always be getting money back when you step out, no matter what you're doing.
As a Discover® Student Card ® Monogram Collection user, you can also earn up to a 1% rebate on all of your other purchases, no matter what they are. By spending up to $1,500 on general purchases annually, you will make yourself eligible for a .25% rebate on all of your following purchases, and if you spend between $1,500 and $3,000, you will get a .5% rebate. If your total annual spending on general purchases exceeds $3,000, you will automatically start earning a full 1% rebate on all of your subsequent purchases.
You will also earn a .25% rebate at select warehouse clubs and discount stores, you even while you�re saving money you can be getting a little extra back. To double your rebate's value, you can earn a double Cashback Bonus® by redeeming your rebates for gift certificates from participating Discover Card Partners. There is no limit at all on the amount of rebates that you can earn with this card, so the sky is the limit. And your rebates won't expire right out from underneath you&as long as your account stays active over a 36-month period, your rebates will stay good.
This card has an APR above the average, but you will be charged no annual fee for its use, and enjoy a six month introductory APR of 0%. It comes with standard benefits like online account management and various discounts, so it you're planning on doing a lot of spending but not carrying a balance, this card offers incredible rewards.
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0% Intro APR on Purchases for 6 months
16.99% Regular Variable APR for Purchases
23.99% Regular Fixed APR for Cash Advances |
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25 days Grace Period |
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| (* There is a 0% introductory APR* on purchases for 6 months) |
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| Finance Configuration: Two-cycle Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $19 on balances up to $250 and $39 on balances over $250. |
| Over-The-Limit Fee: $15 on balances up to $500, and $39 on balances over $500. |
| Cash Advance Fee: 3% for each cash advance, with a minimum of $5 and no maximum. |
| Balance Transfer Fee: n/a |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 0.25% |
| Rebate Maximum: 5% |
| Additional Rebates: Earn a 5% Cashback Bonus in categories like gas stations, restaurants, clothing stores, travel and more. Earn up to a 1% Cashback Bonus on all other purchases automatically. Earn a 0.25% rebate for up to $1,500 in general spending; 0.5% for over $1,500 up |
| Bonus Rebates First Purchase: n/a |
| Bonus Rebates Other: n/a |
| Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.) |
| Yearly Limit: None |
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| Additional Features for Discover® Student Card - Monogram Collection: |
Various Internet account related services.
Cardholders choose their personalized card design.
No liability for unauthorized transactions.
Fraud and security protection services.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits. |
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| Important Notes for Discover® Student Card - Monogram Collection: |
See website for complete terms and conditions of card usage and application disclosure.
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| Home » Apply for a Credit Card » Credit Card Issuers » Discover for Student |
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| Notes: The review on Discover® Student Card - Monogram Collection was updated on January 14, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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