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Delta SkyMiles Reserve Card Review 2022

My First Student Credit Card! Discover it Student Credit Card 2022


My First Student Credit Card! Discover it Student Credit Card 2022

My First Student Credit Card! Discover it Student Credit Card 2022

The discover it and discover it chrome student credit cards are both cash back cards meaning that you go out make a purchase with these cards 

You'll get a percentage of your purchase back in cash these are both no annual fee credit cards meaning there's no cost to actually hold these cards and they're pretty easy to get approved for all 

You have to do is be a student with little to no credit history and you'll be approved the only reason that you might get denied for this card is if you had a credit card prior and completely tanked your credit score 

Your credit score is very low then you might get denied but in most cases you'll be approved and I actually got this card at 18 years old as a college student and I was approved with no prior credit history 

So you should be fine while applying for this card okay now let's go over some great benefits of both of these cards so both of these discover is student cards actually have something called a good grace reward 

That means this cover will be giving you a $20 statement credit every year that you have a gpa of 3.0 or higher and they will be doing this for five years so that means you could go get a master's degree and they will do this for five years and give you your free money 

If you have a good gpa another amazing benefit both of these cards is the cash back match that discomfort gives you this means that any cash back you earn in the first year of having the card they will actually match so let's just say on your discover it card you earn $200 in cash back discover will actually add another $200 statement credit to your account or three 

Now let's go over the differences between these two cards but first I did want to mention you can see the designs here for both of these cards discover has a bunch of different designs

I've had a silver design blue then these two kind of retro and beach designs they have a bunch of designs that you could pick from so these are not the only options 

So let's start with the simpler of the two you discover it chrome card this card will get you two percent cash back at restaurants and gas stations meaning if you spend $100 say at a restaurant discover will be giving you two dollars back on that purchase and then for all other purchases you make on this card that aren't restaurants or gas stations 

You'll be getting one percent cash back okay now for the regular discover its student card this credit card is a 5% cash back rotating categories card now what that means is every three months or every quarter there will be different categories that will earn you 5% cash back with the card 

So I'll actually put the calendar for the discover it 5% cash back rewards up on the screen right now but as you can see for this quarter the 5% cash back categories are actually gas stations uber and lyft and wholesale clubs such as costco and sam's club 

So for these three months you'll be getting 5% cash back at those places and 1% cash back on all other purchases now these categories do change every three months so you have to pay attention and go into your account and actually activate the 5% cash back to earn your rewards 

So if I was you a plan for one of these student credit cards I personally would go with the discover a chrome card first because it is more flexible and most people are going to gas stations and restaurants all throughout the year and way 

So you could be earning your 2% bonus on those categories throughout the year and let's say you have to discover it chrome student card for the say six months and you're paying that bill every month in full your credit score has been going up

I then when get the regular discover it student card with the 5% rotating categories so then you could use both cards to get maximum rewards and just as a quick reminder.

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