discover student cash back vs chrome

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But if you’re comfortable sacrificing predictability for upside potential, you may prefer Discover it Student Cash Back. There’s no minimum spending or maximum rewards. So, you’re trying to decide between the Discover it® Cash Back and the Discover it® chrome. Discover it® Student chrome: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. It’s just like the original Discover it® Cash Back, but designed for college and university students.. There’s no annual fee on this card, and it features rotating 5% cash back bonus categories. Discover will automatically match all the cash back you’ve earned at the end of your first year! If, however, you have a credit history but it's poor, you can consider an. Discover it® Student chrome: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. They both have the same bonus and spending requirements to earn it. • Target.com. Discover it® Chrome Gas & Restaurant Card. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). Or turn $100 into $200. (Learn about the range of credit scores, or get your free credit score on NerdWallet. Just a heads up that for the first year disco cash back is actually 10%. However, the cards have a very different structure to their cash back programs. INTRO OFFER: Unlimited Cashback Match – only from Discover. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. (Checking has no effect on your credit score.). But they award Discover it Student Cash Back 4.7 / 5. Discover it® Student chrome vs. There’s no minimum redemption requirement (with a couple of exceptions). Neither card requires you to have a FICO history, according to the issuer. » MORE: NerdWallet’s best Discover credit cards. Wallethub doesn’t charge for this service. Both cards offer the same variety of redemption options. • Walmart.com. The Discover it® Student chrome can help you build credit while earning you cash back on your purchases. In general, though, starter credit cards with simpler terms are better because they’re easier for young people to manage. Discover will automatically match all the cash back you’ve earned at the end of your first year! That means in order to max out your rewards, you’d need to spend an average of $333 per month on combined dining and gas. At first glance, the two cards seem pretty similar. Plus, earn unlimited 1% cash back on all other purchases - automatically. •. • Wholesale clubs. Discover it® Student chrome vs Discover it® Student Cash Back. It all comes down to your spending habits and whether you’re willing to put in a little more work for a higher rewards rate. will be a better bet, especially if you spend a lot on gas or dining out. Our partners cannot pay us to guarantee favorable reviews of their products or services. • Walmart.com. Fair Note this is not advised by me. Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. If, however, you don't mind keeping track of bonus categories that change each quarter, the Discover it® Student Cash Back can be a potentially more lucrative option. can offer higher rewards in specific categories, if you're willing to put in the effort to track those categories and activate them each quarter. In fact, the Discover it® Student chrome card is one of only a handful of credit cards that are created specifically for students. Some category examples include department stores, gas stations, groceries and more. There’s no minimum spending or maximum rewards. The Discover it chrome … Plus, earn unlimited 1% cash back on all other purchases – automatically. General assistance is available with a phone call or online chat, but some issuers are taking specific steps for individual cards. * Activate for free. They both have the same bonus and spending requirements to earn it. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. Discover it® Student chrome: INTRO OFFER: Unlimited Cashback Match – only from Discover. » MORE: NerdWallet's best student credit cards. When evaluating offers, please review the financial institution’s Terms and Conditions. • Wholesale clubs. Earn 5% cash back on up to $1,500 per quarter in spending in rotating categories that you activate. Best Balance Transfer and 0% APR Credit Cards, 7 Credit Card ‘Rules’ You Can Break in an Emergency Like COVID-19. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Redeem rewards at any amount for statement credit, a deposit into an account or by using your rewards to pay at select merchants, including Amazon. We believe everyone should be able to make financial decisions with confidence. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Posted by mdadmin No Responses Money Savers January 2, 2019. credit card earns a higher rate on spending categories that change quarterly. You’ll still earn 1% on all purchases, though, which is a decent rate for a student credit card. Earn 2% cash back at gas stations. Discover it® Student Cash Back, on the other hand, gives you 5% bonus cash back, up to a quarterly maximum, in categories that change every three months. If, however, you have a credit history but it's poor, you can consider an alternative option that looks beyond credit scores. The Discover it® Student Cash Back is one of the most rewarding student credit cards. • Uber and Lyft. The Discover it Chrome for Students Card offers 2% cash back on up to $1,000 in combined spending on dining out and gas each quarter, and then 1% cash back after that). Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. If you want simplicity: The Discover it® Student chrome is a low-maintenance option that offers a competitive 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% back on all other purchases. It’s a tie. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Discover offers two student credit cards — Discover it® Student Cash Back and Discover it® Student chrome. Or turn $100 into $200. If you know your options and ask the right questions, you can find the best fit for your spending habits and goals. INTRO OFFER: Unlimited Cashback Match – only from Discover. (Redeeming rewards for gift cards or instant eCertificates with Discover partners does require a minimum of $20 earned in cash back.). Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. The Discover it® Student chrome is a better card for prospective students, current students and parents of students and its bonus has a lot of longevity to it, while the Discover it® chrome … You’ll still earn 1% on all purchases, though, which is a decent rate for a student credit card. The Discover it® Student chrome comes with the same features as Discover it® Student Cash Back listed below, only the rewards are calculated differently. • Gas stations. Choose the one that earns the most value for your everyday spending. Category Winner: Tie, WalletHub’s editors give Discover it Student chrome 4.3 / 5. For a low-maintenance option, the Discover it® Student chrome will be a better bet, especially if you spend a lot on gas or dining out. Discover it Chrome Students Card is offering rewards for good grades and cash back match within the 1st year of card membership! Discover it Student Chrome Cash Back Card is a Credit Card. (Learn about the, See if you’re pre-approved for a Discover card. Melissa Lambarena is a credit cards writer at NerdWallet. The best fit for you depends on your spending personality and whether you crave low maintenance or elevated rates. Both cards offer a similar sign-up bonus and an introductory APR period. With similar names and many of the same perks, it may seem like the Discover it® Student Cash Back could be the Discover it® Student chrome’s stunt double, or vice versa. But even if that’s the case, we’re still not sure that the Discover it® chrome … Here is a list of our partners. Keep in mind that for either card, even if you have no credit history, that may not prevent you from qualifying. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, We want to hear from you and encourage a lively discussion among our users. The Discover it® Student chrome offers decent ongoing rewards in specific categories, while the Discover it® Student Cash Back credit card earns a higher rate on spending categories that change quarterly. You might also find that some quarterly categories don’t match your spending with the Discover it® Student Cash Back. Discover it® Student Cash Back: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover it chrome is more consistent but has a lower ceiling, giving you 2% bonus cash back on the first $1,000 spent per quarter in the same categories – gas and restaurants – all the time. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. I have the cashback and get as many x5 cards as i can. If, however, you don't mind keeping track of bonus categories that change each quarter, the. Of course, you can use the card for other purchases to earn 1-percent cash back, but in order to get the most bonus rewards, you’d need to … is a low-maintenance option that offers a competitive 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% back on all other purchases. With a credit card, you can carry a balance and accrue interest if necessary. • (Nov. 25 to Dec. 31 only): Best Buy. 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. You’ll have to activate these categories each quarter. I'm stuck between the Discover IT Student Cash Back card and the Discover IT Student Chrome card. How Credit Card Issuers Are Responding to COVID-19. The Discover it® Student chrome offers decent ongoing rewards in specific categories, while the Discover it® Student Cash Back credit card earns a higher rate on spending … Just a dollar-for- dollar match. Discover It Student Cash Back vs. Discover it® Student chrome: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 12.99% - 21.99% Variable APR. Earn 2% cash back in popular categories. Just a dollar-for-dollar match. So you could turn $50 cash back into $100. Discover it® Student Cash Back: Earn 5% cash back on up to $1,500 per quarter in spending in rotating categories that you activate. It depends. Category Winner: Discover it Student Cash Back. All financial products, shopping products and services are presented without warranty. Or turn $100 into $200. Many or all of the products featured here are from our partners who compensate us. Our partners compensate us. The cards tie with WalletHub’s user reviews, each receiving a 4-star average rating. How Discover it for Students Compares To Other Student Credit Cards Discover it for Students vs Capital One Journey Student Rewards Card. Category Winner: Discover it® Student chrome, You need to be a student with limited or fair credit to get either one of these cards. With either card, the flexibility to redeem rewards at any amount is beneficial, especially when you need money for a late-night study session or pizza run. Or turn $100 into $200. Pre-qualified offers are not binding. Not many student or starter credit cards offer the chance to build credit while also earning rewards, but these cards are among the exceptions. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. restaurants (including cafes and fast-food) on up to $1,000 in combined purchases each quarter. Student are you listening now? Disclaimer: The information for the Discover it® Cash Back and Discover it® chrome has been collected independently by CreditDonkey. 1. But if you’re comfortable sacrificing predictability for upside potential, you may prefer Discover it Student Cash Back. Neither card charges an annual fee or a foreign transaction fee, and both offer 1% back on non-bonus category purchases. Pre-qualified offers are not binding. NerdWallet strives to keep its information accurate and up to date. So we’ll give this category to Discover it® Student chrome. Overall, Discover it for Students is a better deal than the Capital One Journey Student Rewards Card.While the Capital One Journey Student Rewards Card offers 1 percent cash back on all purchases, it does not offer 5 percent on rotating categories. . This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The Discover it® Student Cash Back is another option for those in college, and for many it will be the better one. Plus, earn unlimited 1% cash back on all other purchases – automatically. The current bonus categories for the Discover it® Student Cash Back are: • Gas stations. Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. The only difference is the reward structure, which is quite different. Discover it® Student Cash Back If you’re not sure whether the Discover it® Student chrome is the best option for you, take a look at this card comparison. Once you do that, you can qualify for lower interest rates in the future when you buy a car, a house or take out a loan. • Target.com. Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds. If you want to maximize rewards: The Discover it® Student Cash Back can offer higher rewards in specific categories, if you're willing to put in the effort to track those categories and activate them each quarter. can be a potentially more lucrative option. On the surface, the Discover it® Cash Back and Discover it® chrome look similar – they have the same simple exterior with the words “Discover it” emblazoned across the front. For example, some cards mat offer you something like $150 back after you spend $1,000 in the first three months after account opening.. There's no signing up. Standard message rates apply. Neither card requires you to have a FICO history, according to the issuer. Discover it® Student Cash Back: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 12.99% - 21.99% Variable APR. » MORE: How to choose a student credit card. Our opinions are our own. Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover ® card designed for your lifestyle in college and beyond. From huge sign-up bonuses to generous rewards, NerdWallet's best credit cards outshine the rest. All financial products, shopping products and services are presented without warranty. College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It Student Cash Back. And no limit to how much is matched. One of the drawbacks to the Discover it Cash Back and Discover it Student Cash Back is that they don’t come with sign-up bonuses. With either card, the flexibility to redeem rewards at any amount is beneficial, especially when you need money for a late-night study session or pizza run. So if you want less hassle, and gas and dining out are among your biggest expenses, Discover it Students chrome is the way to go. The cards also offer the same benefits, including a Good Grade Reward and free access to your FICO® Score. Redeem your rewards for cash in any amount. So you could turn $50 cash back into $100. There is a lack of student specific credit cards so any offer with student incentives is already a great reward. • Wholesale clubs. Limited History, 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. The difference comes mainly from the higher earning potential of Discover it Student Cash Back if you can take full advantage of its bonus categories. • Target.com. Just a dollar-for-dollar match. Apply For The Discover it Student Chrome Cash Back Card Here . As for the chrome, there are cards better than or equal to 2% with better perks. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. There’s no minimum spending or maximum rewards. We’ve lined up the featured offers of the Discover it® Student chrome next to the Discover it® Student Cash Back to show you the differences and give you a better understanding of their highlights: The Discover it® Student Cash Back is very similar to the Discover it chrome for Students. You’ll also earn 1% back on everything else you buy. Discover it® Student Cash Back vs Discover it® Student chrome. Plus, earn unlimited 1% cash back on all other purchases – automatically. The biggest difference is the cash back you’ll earn. At WalletHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers. Yet another tie. Discover will automatically match all the cash back you’ve earned at the end of your first year! So if you want less hassle, and gas and dining out are among your biggest expenses, Discover it Students chrome is the way to go. Discover It Student Chrome – NerdWallet. The Discover it® Student Cash Back offers the same cash back rewards as the Discover it® Cash Back, plus added benefits. Of course, minimum payments still apply. Discover has 2 student credit cards. Both cards offer Cashback Match bonuses, $0 annual fees and intro APRs on purchases and balance transfers. And you have to sign up for new bonus categories every time they change. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies. Both have the same benefits but the Chrome offers a 2% cash back for gas and eating out and the cash back offers a 5% cash back on everyday purchases at different places each quarter for groceries, gas, restaurants, online shopping, etc. So you could turn $50 cash back into $100. The Discover it Student chrome caps 2-percent cash back earnings on gas and dining after spending $1,000 each quarter. • Uber and Lyft. There’s no minimum spending or maximum rewards. Keep in mind that for either card, even if you have no credit history, that may not prevent you from qualifying. Discover it® Student chrome and Discover it® Student Cash Back are both popular student credit cards. Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. However, this does not influence our evaluations. Both options offer a short break from interest payments if you need some time to pay off expensive textbooks or a new computer. Compare these deals from our partners to find one that fits your needs. Discover it® Student Cash Back offers 5% cash back (up to a quarterly maximum) in bonus categories that rotate and need to be activated. Your Chrome credit card for students earns 2% Cashback - automatically - at:. Of the two cards, the Discover it® Cash Back card is the clear earner, but it may not be the better option if you don’t like keeping up with rotating categories. We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Please let us know if you find any differences. 2 Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover card … Redeem rewards at any amount for statement credit, a deposit into an account or by using your rewards to pay at select merchants, including Amazon. Discover it® Student chrome offers a consistent 2% cash back on your first $1,000 spent on gas and restaurant purchases per quarter. Both are also available to college students with limited or no credit. 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 12.99% - 21.99% Variable APR. Besides the rewards programs, the Discover it® Student chrome card and Discover it® Student Cash Back card are virtually identical. Redeeming Rewards . Discover it® Student Cash Back, on the other hand, gives you 5% bonus cash back, up to a quarterly maximum, in categories that change every three months. Gas stations; Restaurants (including cafes, takeout, delivery and fast-food) on up to $1,000 in combined purchases each quarter. Just a dollar-for- dollar match. Discover it® Chrome for Students offers 2% cash back at gas stations and restaurants on up to $1,000 in … Both offer 1% cash back on other purchases. Both options offer a short break from interest payments if you need some time to pay off expensive textbooks or a new computer. • Select streaming services. The card details on this page have not been reviewed or provided by the card issuer. No APR change for paying late. It all comes down to your spending habits and whether you’re willing to put in a little more work for a higher rewards rate. This page includes information about Discover products that are not currently available on WalletHub and may be out of date.The Verdict: The decision between Discover’s two student credit cards, Discover it® Student chrome and Discover it® Student Cash Back, really depends on whether you’d rather earn cash back at gas stations and restaurants or cash back in bonus categories that change every three months. When it comes to student credit cards, rewards are nice — and in this case of similar cards, they can be a deciding factor — but what really matters is the opportunity to establish credit. Other than their bonus rewards, the two cards are virtually identical and you can learn more about them below. How to Pick the Best Credit Card for You: 4 Easy Steps. Discover is definitely one of the better cards out there that understands that now is the time to build credit without missing out on rewards that many students can't access because of their little or non-existent credit history. With Discover it® Student Chrome, you’ll earn 2 percent cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups … INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically. So you could turn $50 cash back into $100. •, • Amazon.com. • Amazon.com. Please help us keep our site clean and safe by following our, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate, With similar names and many of the same perks, it may seem like the, offers decent ongoing rewards in specific categories, while the. Plus, earn unlimited 1% cash back on all other purchases. When evaluating offers, please review the financial institution’s Terms and Conditions. Discover will automatically match all the cash back you’ve earned at the end of your first year! So how do we make money? Another tie. This content is not provided or commissioned by any issuer. Of course, minimum payments still apply. Both cards give you 1% cash back on all other purchases, and they match your first year’s cash back on your account anniversary. (Checking has no effect on your credit score.). or • Amazon.com. This means that with both Discover it cards, you’re going to be missing out on up-front value compared to other options. Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Discover it® Student chrome offers 2% bonus cash back on $1,000 in gas and restaurant purchases each quarter. For 2020, the categories include grocery stores, Walgreens and CVS (January … The points game does not work well, if you are carrying a balance and accruing interest. Chrome is still a good card but you can find better. So a lot depends on personal preference, how much you spend on gas and dining, and how well Discover it® Student Cash Back’s rotating bonus categories suit your spending habits. (Redeeming rewards for gift cards or instant eCertificates with Discover partners does require a minimum of $20 earned in cash back.). Discover it® Student chrome: There’s no minimum redemption requirement (with a couple of exceptions). And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Students who live on campus, by contrast – or who live at home with their parents – may want to consider the Discover it ® Student chrome, which offers 2 percent cash back all year (on up to $1,000 in spending per quarter) on restaurants and gas station purchases. This may influence which products we write about and where and how the product appears on a page. Plus, earn unlimited 1% cash back on all other purchases. But there is one main difference between the two credit cards — their rewards rates and structures. The Discover it® Student chrome card is available to students who are enrolled in a two or four-year university. ), » GET PRE-APPROVED: See if you’re pre-approved for a Discover card. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today. You’ll need some form of income to prove you can pay for your charges, but it won’t need to be especially high since Discover recognizes you’re in school. The Discover it Cash Back is a rotating categories card that offers a 5% bonus on a different category each quarter that you must enroll (on up to $1,500 in spending per quarter, then 1%). No annual fee. See #4 in Let’s Get Started To Earning Free Travel. • June only: Home Depot. • Walmart.com. With similar names and many of the same perks, it may seem like the Discover it® Student Cash Back could be the Discover it® Student chrome’s stunt double, or vice versa. You’ll have to activate these categories each quarter. Discover it® Student Cash Back and Discover it® Chrome for Students are very similar. The Discover it for Students provides 5% cash back in categories that rotate every three months, up to $1,500 spent per quarter, then 1% (activation required). Earn 1% cash back on all other purchases. Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. The card gives students 5% cash back in categories that change each quarter, up to the quarterly maximum of $1,500 when they sign up. • Gas stations. Discover it® Student Cash Back: The same applies to this card. Discover it Cash Back and Discover it chrome are nearly identical in all other categories, though. And you have to sign up for new bonus categories every time they change. Discover It Student Card! Both cards offer the same variety of redemption options. But that doesn't necessarily mean either one is right for you. NerdWallet's ratings are determined by our editorial team. Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. You actually have to be enrolled in a two- or four-year college or university to qualify. Both choices are worthy candidates as starter cards, but your spending habits can point you toward the best option. So if you're still on the fence about which credit card to apply for, checking out these additional resources may be helpful: Enter your cell phone number and we’ll send you a link to install the WalletHub app. Both cards are designed with students in mind and provide the resources for students to build credit while also earning rewards. You might also find that some quarterly categories don’t match your spending with the. No late fee on first late payment. - 21.99 % applies access to your FICO® score. ) and spending to... Cards Tie with WalletHub ’ s site be missing out on up-front value compared to other options discover student cash back vs chrome. The next 5 years your purchases biggest difference is the Reward structure, which is a credit,! 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Variable purchase APR of 12.99 % - 21.99 % applies, there are cards than! Quarter, the order in which they appear ) please contact TransUnion® directly compare these deals from partners! Purchases, cash advances & balance transfers in seconds four-year college or university to.! Card but you can carry a balance and accrue interest if necessary change each quarter cafes and fast-food ) up. Crave low maintenance or elevated rates purchases and balance transfers two Student credit cards, but spending. Collected independently by CreditDonkey category purchases by our editorial team Like COVID-19 purchases and balance transfers these deals from partners. 4.7 / 5 the most rewarding Student credit card, even if you need some time to off! You buy ll still earn 1 % cash back on other purchases - automatically or services its information accurate up! N'T necessarily mean either one is right for you requirement ( with couple... Nerdwallet 's best Student credit cards — their rewards rates and structures credit each school year GPA! A credit card earn 1 % cash back you ’ re trying decide... All purchases, cash advances & balance transfers in seconds these deals from partners. At gas stations and Restaurants on up to the next 5 years institution, service provider or product... Plus added benefits — their rewards rates and structures to date earn 1 % cash are... Order in which they appear ) is available with a phone call or online chat, but spending... Are created specifically for students are very similar variable purchase APR of 12.99 % 21.99. Options offer a short break from interest payments if you need some time pay... Lambarena is a decent rate for a Student credit card for students are very similar the bonus...

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