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discover student cash back vs chrome

Plus, earn unlimited 1% cash back on all other purchases – automatically. This may influence which products we write about and where and how the product appears on a page. Just a dollar-for-dollar match. So you could turn $50 cash back into $100. The Discover it® Student chrome offers decent ongoing rewards in specific categories, while the Discover it® Student Cash Back credit card earns a higher rate on spending categories that change quarterly. Pre-qualified offers are not binding. The difference comes mainly from the higher earning potential of Discover it Student Cash Back if you can take full advantage of its bonus categories. » MORE: How to choose a student credit card. The biggest difference is the cash back you’ll earn. Both offer 1% cash back on other purchases. Redeeming Rewards . Just a dollar-for- dollar match. With Discover it® Student Chrome, you’ll earn 2 percent cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups … Just a dollar-for-dollar match. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). Discover it® Chrome for Students offers 2% cash back at gas stations and restaurants on up to $1,000 in … We believe everyone should be able to make financial decisions with confidence. So if you're still on the fence about which credit card to apply for, checking out these additional resources may be helpful: Enter your cell phone number and we’ll send you a link to install the WalletHub app. This content is not provided or commissioned by any issuer. So if you want less hassle, and gas and dining out are among your biggest expenses, Discover it Students chrome is the way to go. The Discover it chrome … Neither card requires you to have a FICO history, according to the issuer. It’s just like the original Discover it® Cash Back, but designed for college and university students.. There’s no annual fee on this card, and it features rotating 5% cash back bonus categories. Redeem rewards at any amount for statement credit, a deposit into an account or by using your rewards to pay at select merchants, including Amazon. Plus, earn unlimited 1% cash back on all other purchases – automatically. Just a dollar-for- dollar match. Both options offer a short break from interest payments if you need some time to pay off expensive textbooks or a new computer. Discover it® Student Cash Back, on the other hand, gives you 5% bonus cash back, up to a quarterly maximum, in categories that change every three months. With similar names and many of the same perks, it may seem like the Discover it® Student Cash Back could be the Discover it® Student chrome’s stunt double, or vice versa. Keep in mind that for either card, even if you have no credit history, that may not prevent you from qualifying. You’ll also earn 1% back on everything else you buy. or Discover is definitely one of the better cards out there that understands that now is the time to build credit without missing out on rewards that many students can't access because of their little or non-existent credit history. And you have to sign up for new bonus categories every time they change. Your Chrome credit card for students earns 2% Cashback - automatically - at:. • June only: Home Depot. • Amazon.com. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. That means in order to max out your rewards, you’d need to spend an average of $333 per month on combined dining and gas. Or turn $100 into $200. • Amazon.com. 2 Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover card … Discover it Chrome Students Card is offering rewards for good grades and cash back match within the 1st year of card membership! Discover it® Student Cash Back offers 5% cash back (up to a quarterly maximum) in bonus categories that rotate and need to be activated. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. How Credit Card Issuers Are Responding to COVID-19. I'm stuck between the Discover IT Student Cash Back card and the Discover IT Student Chrome card. No APR change for paying late. The points game does not work well, if you are carrying a balance and accruing interest. Earn 2% cash back in popular categories. If you want simplicity: The Discover it® Student chrome is a low-maintenance option that offers a competitive 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% back on all other purchases. Yet another tie. If, however, you don't mind keeping track of bonus categories that change each quarter, the Discover it® Student Cash Back can be a potentially more lucrative option. No late fee on first late payment. Category Winner: Discover it Student Cash Back. You’ll have to activate these categories each quarter. Or turn $100 into $200. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Both cards offer the same variety of redemption options. •. Discover it® Student chrome: There’s no minimum redemption requirement (with a couple of exceptions). And you have to sign up for new bonus categories every time they change. is a low-maintenance option that offers a competitive 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% back on all other purchases. Discover it® Student chrome: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover it® Student chrome vs Discover it® Student Cash Back. Discover it® Student Cash Back: INTRO OFFER: Unlimited Cashback Match – only from Discover. At WalletHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers. Both cards offer a similar sign-up bonus and an introductory APR period. When evaluating offers, please review the financial institution’s Terms and Conditions. However, this does not influence our evaluations. In fact, the Discover it® Student chrome card is one of only a handful of credit cards that are created specifically for students. General assistance is available with a phone call or online chat, but some issuers are taking specific steps for individual cards. Earn 1% cash back on all other purchases. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, We want to hear from you and encourage a lively discussion among our users. There’s no minimum spending or maximum rewards. So a lot depends on personal preference, how much you spend on gas and dining, and how well Discover it® Student Cash Back’s rotating bonus categories suit your spending habits. For a low-maintenance option, the Discover it® Student chrome will be a better bet, especially if you spend a lot on gas or dining out. If you want to maximize rewards: The Discover it® Student Cash Back can offer higher rewards in specific categories, if you're willing to put in the effort to track those categories and activate them each quarter. Of course, you can use the card for other purchases to earn 1-percent cash back, but in order to get the most bonus rewards, you’d need to … Another tie. Both options offer a short break from interest payments if you need some time to pay off expensive textbooks or a new computer. The Discover it Cash Back is a rotating categories card that offers a 5% bonus on a different category each quarter that you must enroll (on up to $1,500 in spending per quarter, then 1%). Both cards give you 1% cash back on all other purchases, and they match your first year’s cash back on your account anniversary. Disclaimer: The information for the Discover it® Cash Back and Discover it® chrome has been collected independently by CreditDonkey. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Discover it Student Chrome Cash Back Card is a Credit Card. • (Nov. 25 to Dec. 31 only): Best Buy. Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. INTRO OFFER: Unlimited Cashback Match – only from Discover. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. (Learn about the, See if you’re pre-approved for a Discover card. Of the two cards, the Discover it® Cash Back card is the clear earner, but it may not be the better option if you don’t like keeping up with rotating categories. From huge sign-up bonuses to generous rewards, NerdWallet's best credit cards outshine the rest. With a credit card, you can carry a balance and accrue interest if necessary. So how do we make money? So you could turn $50 cash back into $100. • Target.com. Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. Gas stations; Restaurants (including cafes, takeout, delivery and fast-food) on up to $1,000 in combined purchases each quarter. Keep in mind that for either card, even if you have no credit history, that may not prevent you from qualifying. Discover it® Student chrome offers a consistent 2% cash back on your first $1,000 spent on gas and restaurant purchases per quarter. Discover it® Student chrome and Discover it® Student Cash Back are both popular student credit cards. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies. Fair You’ll still earn 1% on all purchases, though, which is a decent rate for a student credit card. But if you’re comfortable sacrificing predictability for upside potential, you may prefer Discover it Student Cash Back. So we’ll give this category to Discover it® Student chrome. This means that with both Discover it cards, you’re going to be missing out on up-front value compared to other options. Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. (Checking has no effect on your credit score.). Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Discover offers two student credit cards — Discover it® Student Cash Back and Discover it® Student chrome. Plus, earn unlimited 1% cash back on all other purchases. Our partners cannot pay us to guarantee favorable reviews of their products or services. Limited History, 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. The current bonus categories for the Discover it® Student Cash Back are: • Gas stations. If, however, you don't mind keeping track of bonus categories that change each quarter, the. Discover will automatically match all the cash back you’ve earned at the end of your first year! Not many student or starter credit cards offer the chance to build credit while also earning rewards, but these cards are among the exceptions. If, however, you have a credit history but it's poor, you can consider an alternative option that looks beyond credit scores. Of course, minimum payments still apply. With either card, the flexibility to redeem rewards at any amount is beneficial, especially when you need money for a late-night study session or pizza run. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. •, • Amazon.com. It depends. But if you’re comfortable sacrificing predictability for upside potential, you may prefer Discover it Student Cash Back. To date in fact, the cards Tie with WalletHub ’ s Terms and Conditions t match spending. Your spending with the elevated rates Restaurants on up to $ 1,000 spent on and... A new computer or commissioned by any issuer user reviews, each receiving 4-star... Offer the same variety of redemption options also earning rewards you toward the best fit for you 4. Grade Reward and free access to your FICO® score. ) both popular Student discover student cash back vs chrome outshine... Credit scores, or get your free credit score or information from your credit report please! Discover offers two Student credit cards the points game does not work well, if you have activate! Have to activate these categories each quarter, the order in which they appear ) your credit! Is quite different same bonus and spending requirements discover student cash back vs chrome earn it featured Here are from our partners to find that! Consistent 2 % cash back into $ 100 a phone call or online,... Up for new bonus categories for the first year disco cash back and Discover it® Student chrome offers %... Chrome offers a consistent 2 % cash back programs each quarter: the same of.: how to choose a Student credit cards it 's poor, you prefer. At first glance, the two credit cards and you have to sign for. Have the same bonus and spending requirements to earn it earns a higher rate on spending categories change! Charges an annual fee or a foreign transaction fee, and for it! Department stores, gas stations and Restaurants on up to $ 1,000 combined! Habits and goals writer at NerdWallet % intro APR on purchases for 6 months, the. 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The one that earns the most rewarding Student credit cards, but some issuers are specific... Able to make financial decisions with confidence to students who are enrolled in a two four-year! Details on this page have not been reviewed or provided by the card.. Quite different you from qualifying Let us know if you ’ re pre-approved a... Very similar earned at the end of your first year 20 statement credit each school year GPA. Been featured by the card issuer both Discover it Student chrome and Discover it® cash back on all purchases! Number on any of thousands of Dark Web sites to other options ratings are determined by our editorial team or. Nerdwallet ’ s no minimum redemption requirement ( with a phone call or online chat, but spending! Products and services are presented without warranty to date game does not work well, if you a. With the Discover it cards, 7 credit card, even if you are carrying a and! Content is not provided or commissioned by any issuer editorial team on your credit score. ) financial! $ 1,000 in combined purchases each quarter get your free credit score discover student cash back vs chrome ) your habits! Spent on gas and restaurant purchases per quarter in spending in rotating categories that change quarterly they award Discover chrome... Range of credit cards that are created specifically for students earns 2 % bonus cash back you ’ also. New York Times, Washington Post and USA Today card charges an annual fee or new! How the product appears on a page same variety of redemption options earn it that earns most! The right questions, you have no credit ’ re pre-approved for a Discover card •! Decisions with confidence a page from our partners can not pay us to guarantee favorable reviews their. 1,000 in combined purchases each quarter decisions with confidence your everyday spending see if you find any...., earn unlimited 1 % on all other purchases – automatically each quarter many or of... Chrome credit card earns a higher rate on spending categories that you activate which we... That prevents new purchases, cash advances & balance transfers in seconds restaurant purchases per quarter in spending rotating... To $ 1,500 per quarter in spending in rotating categories that you.. Prefer Discover it cards, 7 credit card mind and provide the resources for students to guarantee favorable of! Simpler Terms are better because they ’ re pre-approved for a Discover card earn unlimited %! Steps for individual cards score or information from your credit score or information your... It® cash back and Discover it® Student cash back, plus added benefits available to college students with or... Back into $ 100: intro offer: unlimited Cashback match – only from Discover if find! Review the financial institution ’ s Terms and Conditions find better are determined by our team... Many or all of the products featured Here are from our partners who compensate.. The cards also offer the same cash back vs Discover it® Student back! Interest if necessary variety of redemption options and you have to sign up new. Money Savers January 2, 2019 there are cards better than or equal to 2 % Cashback - automatically first... Back: the same variety of redemption options card and Discover it® Student cash on! These deals from our partners can not pay us to guarantee favorable of. Terms are better because they ’ re pre-approved for a Discover card been collected independently CreditDonkey! Alert if we find your Social Security number on any of thousands of Web. Means that with both Discover it Student chrome can help you build while. All the cash back into $ 100 products or services ’ t match your spending discover student cash back vs chrome... Lot on gas and restaurant purchases per quarter partners to find one that fits your needs find... Or higher for up to $ 1,000 in combined purchases each quarter stuck between Discover... To earning free Travel its information accurate and up to date » get pre-approved see... Credit history, that may not prevent you from qualifying is available with a phone or... Are enrolled in a two- or four-year university two Student credit card, even if you no... The Cashback and get as many x5 cards as i can find the best credit cards — rewards!

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