Discover® Student More Card
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Excellent, Good, Fair, Limited History
- 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you'll earn 5% on up to a quarterly maximum of $1,500 in purchases.
- 5%-20% Cashback at top online retailers through the Discover site.
- ANNUAL FEE None
- BALANCE TRANSFER FEE 3%
Discover® Student More Card’s Additional Info
- MAX LATE FEE $35
- MAX OVERLIMIT FEE N/A
- MAX PENALTY APR 23.99% (V)
- GRACE PERIOD 23 days
- ONLINE RESPONSE Yes
- CASH ADVANCE RATE 24.99% (V)
- CASH ADVANCE FEE 5% (min $10)
- SMART CHIP No
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%.
- No Annual Fee.
- Multiple Card Designs to choose from.
- $0 Fraud Liability plus mobile and email fraud alert options.
- Click apply to view rates, fees, rewards, limitations and other important information
Discover® Student More Card Reviews
I have absolutely nothing bad to say about Discover.
I have a couple of qualms with it though. First, enrolling in the cash back program is a bit tedious to enroll in. You have to log into the site once a quarter for the seasonal 5% or you get the standard 2-3%, and it is unlikely a normal college student would ever make the minimum cash back balance to withdraw it. Second, unlike Visa or Master Card, Discover is not accepted everywhere. And finally, it should be no surprise that this is a prime rate card, it is not suggested to keep a running balance.… more
So far I have used it for gas and food at the market. I get a little cash back that way. I also used it for books for the once course I have in winter sessions. I probably should have looked at the Discover site to see what I could have gotten discounts on for Christmas but I did not think of it at the time. So far the card serves its purpose and you shouldn't be able to fall into much trouble with it. It's part of why I got it. I have not used it much because school hasn't kicked into high gear yet but in a few weeks I will be doing school full time again and be making more use of the card. No complaints as of yet, the card is convenient.… more
I have used my Discover card mainly for school expenses, such as books, and it has provided me a way to finance these costly activities. Not only do they have realistic expectations of college students, but their website to make payments and check statements is extremely user-friendly. When I first received my Discover card, I had trouble on activating it so I could start using it. I dreaded calling customer service because of the negative connotation that customer service has in general, but the person I talked to was very sincere and helpful. After that, I knew I could not go wrong with my Discover credit card.… more
I was approved very quickly and setting up my account was quick and easy. The people who helped me over the phone were very friendly and helpful. Ever since, Discover's website has made it extremely easy to keep track of my purchases and payments. They make you fully aware of how much is due and on what date. I especially love their expense tracker, which is basically a pie chart that shows you what types of things you spend your money on. This is a great first credit card choice!… more
up on the payments. I mostly used this card to pay bills. I would recommend this card to any student who needs to start building their credit. The people I talked to on the phone were very helpful and really took the time to explain everything to me. They really helped me understand how my new credit card worked so I didn’t make any mistakes.
The last feature I want to comment on is the Wallet Protection. While I have only needed and used this feature once, I enjoy the peace of mind it gives as you can enter all the cards you keep in your wallet and one call to a Discover representative can get them all deactivated and replaced should you lose your wallet. Plus they'll buy you a new purse or wallet should yours get lost or stolen! For $3/month, it is a worthwhile feature for me.… more
I have had the card for about six months and am still enjoying the introductory rate and have had no problems. I have been using the card not as a way of buying what I can't afford, but channeling some of my purchases to the credit card and paying them every month as to build credit. I can't see any problems one could have with this card that isn't their fault. Simply put, if you have problems owning this credit card, you're going to have problems with any credit card.… more
I have had this card for over a year now and I have not had any problems with it. Eventually I am sure that I will move to a regular credit card with a higher limit, but for right now this card is the perfect fit for me at college. I would recommend this card for first time credit card holders who are trying to build their credit.… more
If you don't have much of a credit history (and honestly, I don't think that many college students do), then this card might be the way to start building one. Discover is willing to give these cards out to pretty much anyone who wants one, and their low credit limit means you won't get yourself in trouble if you’re the kind of person who likes to… well, indulge a little.… more
I have used it’s 5% cash back bonus for select categories like gas and restaurants. There’s an online shopping component that allows you to get up to 20% of your cash back, but I have yet to use it. The only aspect of the cash back program that I didn’t like was the fact that the categories rotate every month – in contrast to the Visa student card. It’s hard to keep track of the highlighted categories, and furthermore, I believe you have to manually sign up for the program each month.
Overall, however, the email alerts facilitate credit building, which was my main goal for the card anyway. Therefore, I would highly recommend this card, especially for people with goals similar to mine.… more
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Last updated on: Jan 13th, 2015 at 1:50 EST