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discover student cash back vs chrome

December 29, 2020

• (Nov. 25 to Dec. 31 only): Best Buy. Our opinions are our own. Just a heads up that for the first year disco cash back is actually 10%. 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. 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. With a credit card, you can carry a balance and accrue interest if necessary. Fair Please help us keep our site clean and safe by following our, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate, With similar names and many of the same perks, it may seem like the, offers decent ongoing rewards in specific categories, while the. Just a dollar-for- dollar match. 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. 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. Your Chrome credit card for students earns 2% Cashback - automatically - at:. Discover will automatically match all the cash back you’ve earned at the end of your first year! Discover it® Student Cash Back If you’re not sure whether the Discover it® Student chrome is the best option for you, take a look at this card comparison. You’ll also earn 1% back on everything else you buy. Discover it Cash Back and Discover it chrome are nearly identical in all other categories, though. INTRO OFFER: Unlimited Cashback Match – only from Discover. Redeem your rewards for cash in any amount. Many or all of the products featured here are from our partners who compensate us. From huge sign-up bonuses to generous rewards, NerdWallet's best credit cards outshine the rest. Both cards offer the same variety of redemption options. Discover It Student Cash Back vs. Neither card requires you to have a FICO history, according to the issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. This content is not provided or commissioned by any issuer. 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 … Discover It Student Card! Yet another tie. But if you’re comfortable sacrificing predictability for upside potential, you may prefer Discover it Student Cash Back. We’ve lined up the featured offers of the Discover it® Student chrome next to the Discover it® Student Cash Back to show you the differences and give you a better understanding of their highlights: The Discover it® Student chrome card is available to students who are enrolled in a two or four-year university. Category Winner: Tie, WalletHub’s editors give Discover it Student chrome 4.3 / 5. 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. Discover it® Student Cash Back: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 12.99% - 21.99% Variable APR. Limited History, 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. Another tie. There’s no minimum redemption requirement (with a couple of exceptions). They both have the same bonus and spending requirements to earn it. Neither card requires you to have a FICO history, according to the issuer. (Learn about the, See if you’re pre-approved for a Discover card. Chrome is still a good card but you can find better. Melissa Lambarena is a credit cards writer at NerdWallet. • Target.com. So you could turn $50 cash back into $100. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies. You might also find that some quarterly categories don’t match your spending with the Discover it® Student Cash Back. Posted by mdadmin No Responses Money Savers January 2, 2019. 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. Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover ® card designed for your lifestyle in college and beyond. So how do we make money? When evaluating offers, please review the financial institution’s Terms and Conditions. But there is one main difference between the two credit cards — their rewards rates and structures. The Discover it chrome … 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. Earn 2% cash back in popular categories. Wallethub doesn’t charge for this service. • Target.com. It depends. The Discover it® Student chrome is a better card for prospective students, current students and parents of students and its bonus has a lot of longevity to it, while the Discover it® chrome … 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. 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. Discover it® Student chrome and Discover it® Student Cash Back are both popular student credit cards. The card gives students 5% cash back in categories that change each quarter, up to the quarterly maximum of $1,500 when they sign up. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today. Discover it® Student chrome vs Discover it® Student Cash Back. Earn 5% cash back on up to $1,500 per quarter in spending in rotating categories that you activate. Please let us know if you find any differences. 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. Neither card charges an annual fee or a foreign transaction fee, and both offer 1% back on non-bonus category purchases. • Walmart.com. Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically. Overall, Discover it for Students is a better deal than the Capital One Journey Student Rewards Card.While the Capital One Journey Student Rewards Card offers 1 percent cash back on all purchases, it does not offer 5 percent on rotating categories. Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. When evaluating offers, please review the financial institution’s Terms and Conditions. Compare these deals from our partners to find one that fits your needs. Discover it® Student Cash Back: INTRO OFFER: Unlimited Cashback Match – only from Discover. Both cards give you 1% cash back on all other purchases, and they match your first year’s cash back on your account anniversary. It all comes down to your spending habits and whether you’re willing to put in a little more work for a higher rewards rate. Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. Pre-qualified offers are not binding. NerdWallet strives to keep its information accurate and up to date. Note this is not advised by me. 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. No annual fee. 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 … credit card earns a higher rate on spending categories that change quarterly. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. 2 Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover card … We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Discover it® Student Cash Back: The same applies to this card. Discover it® Student chrome offers 2% bonus cash back on $1,000 in gas and restaurant purchases each quarter. Discover will automatically match all the cash back you’ve earned at the end of your first year! NerdWallet's ratings are determined by our editorial team. • Amazon.com. 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 12.99% - 21.99% Variable APR. Both are also available to college students with limited or no credit. Earn 1% cash back on all other purchases. You actually have to be enrolled in a two- or four-year college or university to qualify. Just a dollar-for- dollar match. Discover offers two student credit cards — Discover it® Student Cash Back and Discover it® Student chrome. 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. Earn 2% cash back at gas stations. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. (Checking has no effect on your credit score.). So you could turn $50 cash back into $100. The card details on this page have not been reviewed or provided by the card issuer. Of course, minimum payments still apply. Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Plus, earn unlimited 1% cash back on all other purchases – automatically. Discover it® Student Cash Back vs Discover it® Student chrome. You’ll have to activate these categories each quarter. Just a dollar-for-dollar match. Other than their bonus rewards, the two cards are virtually identical and you can learn more about them below. Keep in mind that for either card, even if you have no credit history, that may not prevent you from qualifying. That would bring the max bonus cash back you could earn with the Discover it® Cash Back card up to $600 and up to $160 for the Discover it® chrome — a $440 difference. Discover will automatically match all the cash back you’ve earned at the end of your first year! Pre-qualified offers are not binding. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Here is a list of our partners. 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. If, however, you have a credit history but it's poor, you can consider an. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. Both choices are worthy candidates as starter cards, but your spending habits can point you toward the best option. However, this does not influence our evaluations. Discover it® Student chrome: There’s no minimum redemption requirement (with a couple of exceptions). Discover it Chrome Students Card is offering rewards for good grades and cash back match within the 1st year of card membership! Once you do that, you can qualify for lower interest rates in the future when you buy a car, a house or take out a loan. 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