Discover offers a wide range of credit cards. Most of their cards offer rewards, including cash back and miles for airline travel. They also offer a secured card. A Discover it® Chrome for Students credit card is designed for those with good credit, which typically means a credit score of 651 or higher. It has no annual fee and offers cardholders cash back for purchases.
Discover it® Chrome for Students Credit Card Rates & Fees
|ANNUAL FEE||INTRO APR||APRS||BALANCE TRANSFER FEE||FOREIGN TRANSACTION FEE|
|$0||0% intro APR for 6 months from date of account opening. 10,99% intro APR for 6 months from date of first transfer, for transfers under this offer that post to your account by January 10, 2019.||14.99% to 23.99%||3% of the amount of each transfer.||None|
How to Apply For Discover it® Chrome for Students Credit Card Online
There are two options for applying for the Discover it® Chrome for Students credit card online. You can visit their homepage at www.discover.com. If you’ve been invited to apply, you can visit their website to fill out a special Discover credit card application.
Apply for Discover it® Chrome for Students Credit Card Online Without an Invitation
Even if you haven’t received an invitation, you can still apply for a Discover credit card.
- Once you visit their homepage, click on “Credit Cards” near the top left side of the page and select “All Credit Cards.”
- Choose the Discover it® Chrome for Students credit card and click “Apply Now.”
- Enter your first and last name and click “Continue.”
Follow the prompts to finish your application.
Apply for Discover it® Chrome for Students Credit Card Online With an Invitation
- If you have received an invitation to apply for a Discover credit card, visit their website.
- Enter your invitation number and click the orange button that says “Continue.”
Follow the prompts to finish your application.
Discover Credit Card Customer Service
If you have any concerns or questions about your Discover credit card, contact their customer service representatives at 1-800-347-26-83. If you are outside the U.S., you can contact them at 1-801-902-31-00.
Discover it® Chrome for Students Credit Card FAQs
What are the benefits of the Discover it® Chrome for Students Credit Card?
With the Discover it® Chrome for Students Credit Card, you earn 1% cash back on all purchases and 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. All the cash back you’ve earned will be matched at the end of your first year.
Can I transfer a balance?
With the Discover it® Chrome for Students Credit Card, you can transfer a balance as long as you have enough available credit to do so. It can take seven to 14 days to transfer a balance. The Discover Chrome credit card for students offers a 10.99 percent APR for the first 6 months. After that, the APR varies based on the Prime Rate. It typically ranges from 14.99 to 23.99 percent depending on your credit history.
Is there a way to avoid paying interest?
You can avoid paying interest on new purchases if you pay your new balance in full every month. If you don’t pay balances in full, you will earn interest unless you have a promotional 0 percent APR.
What should I do if I’m having financial difficulties?
Discover has a dedicated department for helping people who are having financial troubles due to unemployment, illness, or other factors. You can reach them at 1-800-983-14-12.
Can I use my card overseas?
You can use your card for foreign travel. Make sure to notify Discover about your travel plans, though, so your card isn’t declined. You can call their customer service at 1-800-347-26-83 or log into your Discover online account to notify them.
Let’s assume the balance on your credit card is $5000, your card’s APR is 23%, and your minimum monthly payment in percentage is 100. Your first payment should be $100. Note that this number is expected to change over time.
To pay off your credit card balance in full, it will take you 2442 months. You’ll pay the overall interest of $99510.62. Your total payment will be $104510.62.
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Watch How Do Balance Transfers Credit Cards Work
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