Discover Student Clear Student Credit Card Review

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We know how hard it can be for students to balance a checkbook (or online bank account) while juggling four classes at once. Student credit cards are an excellent way to establish financial independence while building a solid credit history. Star Reviews looked at the Discover Student Clear Card and were astounded at how effortless it was to fill out the credit application. No need to waste any important study-time here! See what we found below.

About the Discover Student Clear Card:
The Discover Student Clear Card is the ideal credit card for students who do not plan on carrying a balance on their card. The interest rate is higher (which doesn't matter if you'll be paying your balance off in full each month), but the card offers a perk that many student credit cards do not.

This student credit card offers cardholders cash-back bonuses of up to 5-percent on purchases made with the card. When it's time to redeem your bonus, you can either get the money sent to you via check or have it credited to your credit card account. You can also choose to double your bonus by redeeming it at participating merchants. We like options, and this card doesn’t disappoint.

Navigating the Discover Student Clear Card website:
The website for the Discover Student Clear Card was very easy to work with. The one-page application was easy to fill out and the terms and conditions were clearly stated, eliminating the need to hunt down interest rate and fee information. Filling out the credit application shouldn’t take you very long, as it’s all very self explanatory. Everything you may need is well placed in an easy-to-scan format and completing the application should take no longer than a minute or so. Finding important information like 'Contact Us' is available on the Discover website, and not right on the specific credit card pages.

Star Reviews' Favorite Feature:
The fact that the Discover Student Clear Card has no annual fee is a huge plus, since many credit card companies are charging those new to the credit card market annual fees of $30 or more.

Discover Student Clear Card Features:

Online account access.
$0 liability for unauthorized transactions.
Discounts on products and services at participating merchants and retailers.

Introductory Offers:

0-percent APR for 6 months.

Standard Terms:

16.99% variable APR.
22.99% variable APR on cash advances.
Additional cardholders at no additional cost.
25-day grace period.
No minimum income or cosigner required
Late payment fee of $15 if balance is less than $500 and $39 if $500 or more.
0% Interest on Purchases for 6 Months
Up to 20% cashback bonus when you shop online
5% Cashback Bonus® in categories like Travel, Gas, Restaurants, Movies, and More
Up To 1% Cashback Bonus® on All Other Purchases Automatically
Build Your Credit History
No Annual Fee
Easy Online Account Management Options
$0 Fraud Liability Guarantee
View Discover® Card Rates, Fees, Rewards and Other Important Information

Customer Support:
The website for the Discover Student Clear Card does not have links to customer support from any of its pages, but the main Discover homepage does have customer service contact information. After navigating the Discover Card homepage for a few minutes, we found that Discover offers customer support through an online FAQ database, an email support form (for registered card holders) and a toll-free phone number.

Reaching customer support can be quite the experience. If you want to contact Discover customer support through email, you must log into the Discover Card account center and you must be a cardholder to do so. Once you're logged into your account, you can send a service request using their online form. Discover usually answers email support requests within 1 to 2 business days. For an immediate answer, your best bet is the detailed FAQs section, which answers many questions you may come across.

Toll-free phone support is also available, but getting in touch with a live rep means fighting your way through the automated phone system first and if you don't have an account number, it can be even harder. If you're like us and hate looping automated phone services, you're going to get annoyed pretty quickly. However, there is definitely a light at the end of the tunnel and with enough patience; you will be able to speak with a live rep. The customer service associate we spoke with was very knowledgeable and friendly, adequately addressing our questions.

Upside:
No annual fee, cash-back rewards program, 0-percent APR.

Downside:
You already need a decent credit rating to qualify for the card.

Discover Student Clear Card Summary:
The Discover Student Clear Card is one of the few student credit cards offering students a cash-back reward program. When you add that to a competitive interest rate (for a rewards card, that is) and no annual fee, it's not hard to see why so many students opt for this card. However, be careful of the universal default rate. Make one payment late (on this card or any other credit card you hold) and your interest rate is going to skyrocket to 28.99 percent.

There is a 25-day grace period, which is a little longer than your average 20-day period, which is a bonus. We think you’ll like the 0-percent APR for 6 months Introductory Offer. If you should need any assistance, telephone support is good, but keep in mind that you will be looped through an automated system. Email support is also good, but responses can take up to 2 days, so use the detailed FAQs section if need be. Overall, we really liked the Discover Student Clear Card and recommend it to the more responsible student.

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