Discover® Student Card - Tropical Beach

Earn more cash in more ways than anyone elseSM*

Intro APR	Intro APR period	Regular APR	Annual fee	Fee:	Balance transfers	Credit needed	Type of credit card
0%	6 Months	16.99%	$0		Yes	Good Credit	(Personal)

With the Discover® Student Card - Tropical Beach students can enjoy a 0% Introductory APR* on Purchases for 6 months and pay no annual fee.

• Earn more cash in more ways than anyone elseSM*
• Unlimited cash rewards, automatically
• Up to 20% Cashback Bonus® when you shop online*
• Double rewards with more than 80 Cashback Bonus® Partners*
• Customer Service in less than a minute, anytime you want
• *View Rates, Fees, Rewards and Other Important Information

Editor's review:

The Discover® Student Card - Tropical Beach, issued by Discover, is designed for those with an average or limited credit history who are looking for a cash reward credit card.

Through the reward program, cardholders earn a 5% rebate for purchases made in popular categories that change four times a year like travel, gas, restaurants, movies, and more. Plus, cardholders earn up to 1% for general purchases.

Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a full 1% rebate.*

Cardholders also earn a 0.25% rebate at select warehouse clubs and discount stores, and they can earn a double Cashback Bonus® for redeeming their rebates for gift certificates from participating Discover Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.

Aside from the reward program, the card also provides standard benefits, including online account management, no liability for unauthorized transactions, and discounts on products and services at participating merchants and retailers.

The APR for this card is above average, but there is no annual fee and 0% interest that applies to purchases for six months.

Finance charges applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges to those who may occasionally carry a balance as compared to the "Average Daily Balance" method used by most card issuers.

Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn a full 5% rebate and double cash rebates), and plan to pay in full each month (to avoid costly finance charges) will benefit most from what the Discover® Student Card - Tropical Beach has to offer.