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Credit Card Reviews » Discover® Student Card - Tropical Beach |
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You don't have to have a credit history a mile long in order to get a credit card that gives you great rewards. If you're a student who has an average credit history, or one that's a little limited, the Discover® Student Card ® Tropical Beach can get you the benefits you want and help you on your way to a great credit history in the process.
Every time you use your Discover® Student Card ® Tropical Beach to spend some money, you'll be getting a little back. This card's cash rewards program allows you to earn a 5% rebate on all of your spending in different categories that rotate four times a year. From travel and gas to restaurants and entertainment, this rotating schedule of rewards categories lets you get cash back, across the board, all year long.
But as a Discover® Student Card ® Tropical Beach holder, you will also be eligible for additional savings. When you use your card on all of your other general purchases, you can still be earning up to a 1% rebate. If your annual spending on general purchases totals to up to $1,500, you will automatically receive a .25% rebate, while if you spend between $1,500 and $3,000, you will receive a .5% rebate. If you spend over $3,000 on general purchases annually, you will receive a full 1% rebate on all of the purchases that you make after you achieve that level of spending.
There is absolutely no limit on the rebates that you can earn with this credit card, and you don't have to worry that they will expire before you can use them. As long as your account stays active within a 36-month period, your rebates will stay good. This card gives you the access you need for your busy lifestyle, offering online account management so you can always get to your financial information when you need to. You will never be held liable for unauthorized transactions, and as a cardholder, you will be eligible for discounts on various products and services at a variety of merchants and retailers.
The APR for this credit card is above the average, and finance charges are applied using the "Two Cycles Average Daily Balance" method, which can make it pricy if you plan on carrying a balance. If you don't plan on carrying a balance, though, this card, issued by Discover, is the perfect way to earn yourself a great credit score and some great rebates at the same time.
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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 5% Cashback Bonus® in popular categories that change four times a year like travel, gas, restaurants, movies, and more. Earn up to 1% Cashback Bonus on all other purchases automatically. Earn a 0.25% rebate at select warehouse clubs and discount |
| Bonus Rebates First Purchase: n/a |
| Bonus Rebates Other: n/a |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Discover® Student Card - Tropical Beach: |
Various card designs to select from.
Various Internet account related services.
No liability for unauthorized transactions.
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 - Tropical Beach: |
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 - Tropical Beach 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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