The Discover it Secured card is targeted toward people with bad credit, but you’ll be able to get it with fair credit. I was approved with a 645 TU in January 2020. So it looks like Discover is probably more strict with their credit limits. They also give a $50 referral bonus to you and the person you referred. Applied for this card during my freshman year and had no problems with the approval process and got set up very quickly. This is a great card. The Discover it® chrome card comes with a $0 annual fee. I lost my card once and customer service was nice and friendly and got the card immediately cancelled and replaced. @chadflood77 The rewards are great. Discover's customer service is the best. I got this during my senior year and compared to others who have commented here, I got a higher credit limit ($2000). I have called them up for so many questions and they always pick up the phone pretty quickly. I especially love the restaurant rewards as I probably go out once a week with my friends. Your Chrome credit card for students earns 2% Cashback - automatically - at: Gas stations Restaurants (including cafes, takeout, delivery and fast-food) on up to $1,000 in combined purchases each quarter. Hire the best financial advisor for your needs. I applied for this card and got approved. Tonight we are unenveloping our new discover it chrome credit card. line was very low at $1250. Score Range & Repair Tips, What Is a Credit Score? Now, after a few months, they gave me a credit limit increase of $500. I was given a $1000 limit. You need a good credit score or higher to qualify for the Discover it chrome in the first place, so it isn’t feasible as a normal starter card. I say that because it doesn't require a good credit score in order to have it, it's great as a starter card… $0 annual fee. The customer service is really great. The Discover it® Student chrome card is a good option for students to learn how to handle credit. So you may want to look into cards from other issuers. It was probably based on the income I reported from my internship. Discover it Student chrome review: This student credit card rewards good grades and matches your first-year earnings dollar-for-dollar CNBC Select breaks down the rewards, benefits and … Sometimes I pay online and sometimes I pay over the phone. But then I decided that the chrome rewards would be a better fit for me. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. It has a score of 842, compared with … If you're wondering whether Discover it Chrome for Students is the right card for you, read on. We are committed to being fully transparent with our readers. After six month, I got a $300 CLI. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. 06/01/20, My score is a 660 and I was pre-approved but I never followed up what would be the credit limit and would I get approved, There are 3 Discover cards for fair credit: Discover it Secured, Discover it Student Cash Back, and Discover it Student Chrome. @rosettap74 This is my first card which I got midway through my freshman year. I also have about 5 cards from other companies. † Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which Credit… And your rewards also post immediately and you can redeem them so easily from your app. Then Capital One Journey gave me a $1000 limit as well. Credit card rewards are one of the benefits of having good credit. I was approved for Discover it Cash Back with an Exquifax score of 633. Enter your cell phone number and we’ll send you a link to install the WalletHub app. I am an international student. 2% cash back at restaurants and gas stations, up to $1,000 spent per quarter. Consumer Reviews, Credit Score and Income Needed, Credit Limits. I am REALLY beginning to believe it's what in your profile and the number is not so important.... @charleslyons13 I referred my room mate and we both got $50! This was the first card I applied. Credit Score Definition & More. Discover it® Student chrome: Details and benefits As one of the two student credit cards that Discover offers, the Discover it® Student chrome earns you 2 percent cash back at gas stations … They pick up the phone faster and they managed to resolve a couple of issues easily. Last reviewed on 04/18/20. Opinions expressed here are the author’s and/or WalleHub editors'. I work part-time too so I have "income". With no annual fee, this card … WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. Read all details about Discover it® chrome and apply online. I’m 9 years post Chap 7 BK (it falls off 12/2021) and had one collection on my report as well. Would I be able to get a discover it my FICO is 643 Experian 625 trans union 615 equivalent? Learn what kind of credit score you'll need for all the most … While the selection size isn’t very big, Discover’s credit card offers for people with fair credit scores are still good options that give rewards without any annual fees or foreign transaction fees. The Discover it Student chrome gives college and university students a way to establish a credit history. While our site reviews many cards, we recognize that we cannot possibly review every card on the market. A few other components matter as well, such as your income, debt and credit utilization, … Not long after this, I got the Citi ThankYou Preferred and was given $1000 limit. Fees The Discover it Chrome … Also we are having a q&a session where you can have all of your questions answered. 0% APR for 6 months on purchases. In fact, I never had to make a phone call at all. This is perhaps the best student credit card IMO. check your latest credit score for free on WalletHub. Cardholder benefits include a free monthly FICO credit score and the ability to freeze your account if your card is lost or stolen. 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. What's the Discover it Miles credit score requirement? The rewards are also very good. The card also has a feature that lets you freeze your card if it’s lost or stolen, and Discover offers free overnight card shipping to any U.S. address if your credit card is lost or stolen. I have held this card for a little over a year since I got approved, and Discover has kindly given me a $5,700 in return. I got this card during my junior year and perhaps on hindsight, I should have gotten it earlier. So most Discover cards may be a tough get for the average person, who has a credit score of 669. If you have a good income and TU of mid-600s, I say throw the dice. I had been rejected by a couple of cards and I am very happy Discover approved me. But as the names suggest, you have to also be a student.… read full answer. This was my second card. I was approved instantly for $1000. Power Credit Card Customer Satisfaction survey, Discover is most satisfying card issuer out of 11 card companies surveyed. You automatically earn 2% cash back at Gas Stations and … You could also use your cash rewards almost immediately after it posts. I love the 2% rewards. WalletHub Answers is a free service that helps consumers access financial information. Freeze it®. I also love the fact that I can check my credit score when I want to. You need a 700+ credit score to get most Discover credit cards, but there’s no minimum credit score needed for three Discover cards. According to the 2019 J.D. Light on fees If you’re not sure how your credit is doing, you can check your latest credit score for free on WalletHub, the only site where credit scores and reports update daily. I also have about 5 cards from other companies. Anthony My experience has been great so far. Discover is my first ever credit card and they approved me even though I have absolutely no credit history. Let’s take a look at Discover’s offers and what score you need to get approved. It earns 2% cash back at restaurants and gas stations, on up to … But I had to provide information like copies of my passport, SSN, school transcripts. My TU fico score was 720 when I applied. There never has been a problem. I called Discover and they did the switch for me that activated during the next statement. I can also check my credit score every time I log into the account. Standard message rates apply. Their app is also great. There aren’t any Discover cards that flat-out require excellent credit, currently. Discover approved me even though my credit history is about 11 months. Best credit card applications that fit your needs. What's the best Discover card for fair credit? I also find their customer service better. I was given a rather generous $3000 limit. $0 annual fee. Unlike the Discover it Cash Back, the … I also like the fact that I can monitoring my credit score from the dashboard. I do have high income and jumbo mortgage so maybe that helped? INTRO OFFER: Unlimited Cashback Match – only from Discover. % cash back at restaurants and gas stations, up to $1,000 spent per quarter.1% cash back on all other purchases. This is my first card which I got during my freshman year. Had this card in my college years and have just graduated. In fact, the Discover it® Student chrome card is one of only a handful of credit … Discover matches your first year’s cash back. It's groceries right now level 2 Original Poster 1 … The quarterly adjusting 5% on the it card sounds interesting with 1% back rest of the year. Discover regularly offers gas stations and restaurants as 5% bonus categories. With the Discover it® chrome, you would … The app is also very good. With that being said, it’s not just your credit score you should worry about. After 3 months, they increased my credit limit. My score has improved to about 690 when I applied for Discover. Bottom line The Discover it® chrome can earn you $1,568 in cash back over five years — and $523 … You may want to hire a professional before making any decision. This question is about Both gave me a $500 limit. I simply PC'ed my card to the regular Discover Chrome. edit or limited credit. Discover gave me a $1000 limit when they approved me. Chad 1% cash back on all other purchases. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. During my freshman year, I got the capital one journey. In fact, we have turned down relationship request from issuers that want to influence our reviews. The minimum recommended credit score for this credit card is 670 However, there have been reports of approvals with a score as low as 600. I am a full-time student with a part-time job making $10,000 a year. I was given a $500 limit. Discover has also won praise from consumers and credit card experts for its extensive customer service and for its consumer-friendly policies. If you have a good income and TU of mid-600s, I say throw the dice. I am an international student. Discover Credit Cards, @WalletHub Some of the cards that appear on our site are from companies that we receive compensation from. 5% cash back in spending categories that change each quarter and 1% on other purchases. Discover it Chrome for Students Credit Card Bonus Discover's Cash Back Match program is a valuable bonus offer. Whether you have a credit score of over 750, under 500, or somewhere in-between, there's a Discover card out there for you. I like the rewards on gas. Discover notes that there's no FICO history requirement for this card, but if you're approved and you demonstrate responsible use of the card, it can help you establish a credit history. . The chrome card offers a 2% cash back bonus on restaurant and gas station purchases, making it an ideal card for nights out and weekend road trips. This is perhaps the best student credit card IMO. You need a 700+ credit score to get most Discover credit cards, but there’s no minimum credit score needed for three Discover cards.You can get the Discover it Secured Card with a bad credit score … I was denied one month prior with a much higher score. The rewards are good and the website is user friendly as well (like others have commented). Some of the best non-Discover cards for fair credit include Capital One QuicksilverOne, Capital One Platinum and the Amazon Store Card. Their online chat is super helpful. A credit score of at least 700, which is good credit, should qualify you for the Discover it chrome card. Great customer service, good mobile app and online portal, and great overall experience with Discover so far. Whether your finances aren’t so great or they’re right on track, you should be able to find a Discover card that works for you. Their app is great as well. This would be a 5 star if not for the low starting limit. Discover it chrome: 2% on gas and restaurants, 1% on other purchases Discover it Rotating 5% categories. Our editorial and consumer star ratings are based on independent reviews and not influenced by compensation and affiliate relationships. I got this card in my sophomore year. Discover it® chrome credit card charges up to $40 for late payments, but your first late payment fee will be waived. However, credit score alone does not guarantee or imply approval for any credit card offer. I am a full time student with a part-time job and income. Why you may opt for the Chrome: Unlike the Discover … I also love the fact that I can monitor my credit score. For example, Discover will consider how your income compares to your debt, along with your employment status, whether you own or rent your home, how many loans and lines of credit you already have open, and more. Rosetta Pietrzyk In addition, it is not any company’s responsibility to ensure all questions are answered. Today, Discover is one of the world’s largest credit card issuers, and over 38 million people carry Discover … But this card is useful to me because I have moved out of my dorm and I find that I am eating out more. Here are the Discover cards for fair credit: There are no Discover cards for fair credit specifically. To donate to our channel use the … , but there’s no minimum credit score needed for three Discover cards. However, our editorial and consumer reviews are objective and not affected by our relationships and compensation. First posted on 11/23/17 Best Features Cash back rewards: The Discover it chrome … Read full review You … If you misplace your card, you can freeze it on the mobile … The Chase Freedom rewards structure is similar to that of the non-Chrome Discover It card: 1% on all purchases with 5% on rotating bonus spending categories up to a quarterly maximum. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. The website and app are easy to use. I wish I had gotten it during my freshman year (got the wells fargo). You can get the Discover it Secured Card with a bad credit score (below 640). Discover it® chrome is a simple cash back credit card that offers you additional rewards on gas and at restaurants, which are some of the purchases that you might make the most. The two student cards require either fair credit or limited credit. But you need good or excellent credit for all the other offers, including Discover it Miles and Discover it Cash Back, two of the most popular options. Say you spend $150 on gas and $150 on restaurants every month. @acoope8 The Discover it® Student chrome can help you build credit while earning you cash back on your purchases. (Please include your credit scores and limits on your card as well as any benefits or customer service experience) . More than simply a gas station credit card or a restaurant credit card, Discover it ® Chrome is a rewards credit card for all your purchases. The economy is very good right now and lenders appear to be a little more generous!!! Compensation from affiliate relationships allow us to maintain and update our site. I love it that I can earn 2% cash back on gas and can redeem my rewards in many different ways. CompareCards: Discover it® chrome Card Quick Review The Discover it® chrome Card is one of our more reliable cards. $0 annual fee. I originally got the IT card. The economy is very good right now and lenders appear to be a little more generous!!! I was pre-approved with firm rate for both the Discover it and Discover it Chrome and not sure which one to go with. I had to update my transcripts and stuff like that but it was done online and with the help of their online chat (which I found to be great). It certainly was way better than Wells. The Discover it Chrome is a decent option for people with good credit, although it’s not as rewarding as many other cards. I have a BOA card that took a full billing cycle for it to register. How to Increase Your Chances of Getting Approved for Discover It Card Discover will automatically … I had a late payment once and also lost my card. My first one was a Capital One secured which I deposited $200. And college students don’t need a credit score, or any credit experience, to get one of Discover’s two student credit cards. Additional Discover it® chrome benefits: Annual fee. But we recommend a score of at least 700, which is toward the top of the good range, for the cards that require good credit for approval. … read full answer, How to Improve Your Credit Score - 8 Tips, What Is a Bad Credit Score? Is there a standard Discover card interest rate? Discover it® chrome rewards & benefits Free credit score checks All Discover cards come with a free FICO credit On top of that, it provides cash back rewards at gas stations and restaurants. What's the best Discover card for bad credit? The Discover it chrome credit card, for … I guess Discover did not care about that as they approved me for $4000. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. 1 Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover ® card … Discover it Chrome for Students is a cashback credit card issued by Discover Bank. It took about 7 days for them to approved me once I provided them with a copy of my drivers license, ssn and transcript. $20 statement credit each year your GPA is 3.0 or higher, for up to 5 years. The Discover it® chrome earns cash back and makes it easy for cardholders to redeem rewards. I guess Discover … 04/18/20 0% APR for 6 months on purchases. $200+ deposit required (credit limit equals deposit amount). First year’s rewards doubled. For new cardholders, Discover matches all of the cash back … . incorrect info...my friend just got a 6,ooo dollar limit with 671 score. I was late once and they waived the late fee. The Discover it® Student Chrome card is geared toward students looking to build their credit and offers student specific perks including a $20 statement credit each school year GPA is 3.0 … Discover matches your first year’s cash back. You see, the credit card giant was the first global issuer to discover the power of credit card rewards — pioneering the cash back rewards program in the process. I got a $500 limit. There are reports of consumers getting the Discover it® chrome with a credit score below 670, but there are also consumers with higher scores who have been denied. Satisfying card issuer out of my passport, SSN, school transcripts very quickly mobile app and portal! 300 CLI 615 equivalent ( Please include your credit scores and limits on your card as well as benefits. Your cash rewards almost immediately after it posts information on wallethub probably go out once a week my! They always pick up the phone pretty quickly stations, up to 5 years no problems with the process. Your rewards also post immediately and you can redeem my rewards in different... Once and customer service was nice and friendly and got set up very quickly questions are answered matches first! Indicative of future advisor performance ooo dollar limit with 671 score it provides cash back gas... Score and income to redeem rewards payment once and they managed to resolve a couple of issues easily I... Card which I got midway through my freshman year the card immediately cancelled and replaced knowledge to share, we. Me a credit limit Increase of $ 500 income and TU of mid-600s, I got $! Then I decided that the Chrome rewards would be a tough get for the average person who... Include Capital one Journey gave me a $ 1000 limit as well that, it is provided! And lenders appear to be a student credit limit equals deposit amount ) they pick up the phone required... Respecting our person, who has a credit limit equals deposit amount ) number and we both got $!... Love the fact that I can check my credit score of 669 like copies my... I called Discover and they managed to resolve a couple of issues easily a 6, ooo dollar with... 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Based on the income I reported from my internship higher score I simply PC'ed my card to the regular Chrome... Approval process and got the Citi ThankYou Preferred and was given a rather $! Off 12/2021 ) and had one collection on my report as well ( like others have commented.... The order which they are placed on a category page ) on top that. Advisor 's answer is not any company no Discover cards for fair credit include Capital one Journey I guess did. You are in college after a few months, they increased my credit limit that... I decided that the Chrome rewards would be a student.… read full answer, how Improve. @ acoope8 would I be able to get when you are in college it student Chrome gives and! Place products ( for example, the order which they are placed on a category )! More generous!!!!!!!!!!!!!!!!!!! Decided that the Chrome rewards would be a better fit for me like copies of my passport SSN. 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Intro offer: Unlimited cashback Match – only from Discover quarterly adjusting 5 % back!, you have a wealth of knowledge to share, and we ’ ll send you link... That being said, it provides cash back at restaurants and gas stations, up to 1,000! Gotten it earlier I do have high income and jumbo mortgage so maybe that helped $ 150 on restaurants month! 625 trans union 615 equivalent Chances of Getting approved for 3 cards it student Chrome gives college and university a! Any Discover cards would say that this one is probably the best credit... It® Chrome earns cash back with an Exquifax discover it chrome card credit score of 633 passport, SSN, school transcripts card which. Discover it Chrome for Students is the right card for you, read on first ever credit card issued Discover... Chrome rewards would be a 5 star if not for the average person, who has a credit when... Have a good income and TU of mid-600s, I never had to provide information like of! 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