Tag: student perks

Capital One SavorOne Student Cash Rewards Credit Card

Comprehensive Review of the Capital One SavorOne Student Cash Rewards Credit Card

Managing finances as a student can be challenging, but the Capital One SavorOne Student Cash Rewards Credit Card offers a plethora of benefits tailored to the needs of young consumers seeking to build credit and earn rewards. Issued by Capital One, this student-friendly credit card provides a robust cashback rewards program without the burden of annual fees, making it a remarkable choice for students looking to maximize their spending.

1. Card Type

The Capital One SavorOne Student Cash Rewards Credit Card is a cashback credit card designed specifically for students. It encourages responsible credit behavior while allowing users to earn rewards on everyday purchases.

2. Annual Fee

One of the most appealing aspects of this card is that it comes with no annual fee. This feature enables students to focus on building their credit without worrying about extra costs.

3. Rewards Program

The rewards structure of the SavorOne Student card is particularly lucrative. Cardholders earn 3% cashback on dining and entertainment, 2% cashback at grocery stores, and 1% cashback on all other purchases. Rewards are earned as cashback, making it easy to redeem for statement credits or purchases, thus enhancing the overall value of the card.

4. Sign-Up Bonus

The Capital One SavorOne Student Cash Rewards Credit Card often features a competitive welcome bonus. New cardholders can earn a one-time bonus of $150 after spending $500 on purchases in the first three months from account opening. This bonus provides a great incentive for students to use their card responsibly while meeting essential living expenses.

5. APR (Annual Percentage Rate)

The regular APR for purchases with this card can vary. However, the card typically offers a 0% intro APR on purchases for the first 9 months, after which a standard variable APR applies. This is useful for students looking to manage their expenses or make larger purchases while paying off their balance gradually without incurring interest initially.

6. Foreign Transaction Fees

Another advantage of the SavorOne Student card is that it does not charge foreign transaction fees. This feature makes it an excellent option for students studying abroad or those who travel frequently, as they can use their card internationally without worrying about additional charges.

7. Balance Transfer Options

As for balance transfer offers, the card may include options for transferring balances from other credit cards, often with promotional terms. It is advisable to review the specific details related to balance transfers at the time of application, as fees and APR may vary.

8. Additional Fees

While the SavorOne Student card boasts no annual fee, it is essential to be aware of some additional costs associated with the card. This includes a late payment fee of up to $40, cash advance fees, and possibly a returned payment fee. Students are encouraged to make payments on time to avoid these charges.

9. Card Benefits and Perks

The card is equipped with several appealing benefits. These include access to extended warranty coverage, purchase protection, and travel accident insurance. Such features enhance the overall experience, providing peace of mind while using the card for various purchases.

10. Customer Protections and Insurance

Capital One prioritizes customer safety with its fraud liability policy, ensuring that cardholders are not held responsible for unauthorized purchases if they report them promptly. Other protections include purchase protection and rental car collision damage waiver, making the card a reliable option for students.

11. Eligibility and Credit Score Requirements

While no specific minimum credit score is required for approval, new applicants are generally recommended to have a score in the fair to good range (around 580-740). The card is designed for students looking to build their credit history, thus appealing to first-time credit users.

12. Introductory Offers

Besides the potential 0% introductory APR on purchases for the first 9 months, students can enjoy various fee waivers during the initial period. This allows new cardholders to acclimate to responsible credit use without the immediate burden of interest or extra costs.

13. Special Features or Unique Selling Points

A standout feature of the Capital One SavorOne Student Cash Rewards Credit Card is its focus on lifestyle categories that resonate with young consumers. The generous cashback on dining and entertainment aligns well with the preferences of many students, emphasizing experiences as they navigate university life.

14. How to Apply

Applying for the Capital One SavorOne Student Cash Rewards Credit Card is a straightforward process. Prospective cardholders can apply online by visiting the UpCube.net.

October 21, 2024
Capital One Journey Student Card

Capital One Journey Student Card: A Comprehensive Overview

The Capital One Journey Student Card is an excellent option for students seeking to manage their finances while earning rewards. Issued by Capital One, this student card is designed to help young adults build their credit history while enjoying various benefits tailored to their lifestyle.

Card Type

The Capital One Journey Student Card is primarily a student credit card which makes it an ideal choice for first-time cardholders. This card is perfect for those who are looking to establish their credit profile while enjoying a straightforward rewards program.

Annual Fee

One of the most appealing aspects of the Capital One Journey Student Card is that it comes with no annual fee. This feature makes it accessible for students who may be on a tight budget and looking to minimize expenses.

Rewards Program

This card offers a lucrative rewards program that allows cardholders to earn 1.25% cashback on every purchase. Additionally, students can earn a 1.5% bonus on purchases made in the first year, providing an extra incentive to use the card for everyday expenses.

Sign-Up Bonus

Upon approval, new cardholders can benefit from a one-time bonus of $100 after spending $100 on purchases within the first three months from account opening. This offer is easy to meet, making it a great perk for students who need to cover everyday expenses.

APR (Annual Percentage Rate)

The regular APR for purchases made with the Capital One Journey Student Card is variable, with rates ranging from 19.24% to 29.24%, depending on creditworthiness. Importantly, the card does not offer an introductory APR for new purchases or balance transfers.

Foreign Transaction Fees

This card is particularly advantageous for students planning to travel abroad, as it features no foreign transaction fees. This allows cardholders to make purchases while traveling without the burden of additional costs.

Balance Transfer Options

While balance transfers are permitted with the Capital One Journey Student Card, there are no promotional balance transfer offers available. Cardholders should expect a standard balance transfer fee of 3% for transfers made during any promotional offers but should verify directly with Capital One for specific terms.

Additional Fees

In addition to the balance transfer fee, cardholders should be aware of several other potential fees associated with the card. Late payment fees can reach up to $40, and cash advance fees are either 3% of the amount of each cash advance or $10, whichever is greater. Its crucial for students to stay diligent about their payment due dates to avoid these charges.

Card Benefits and Perks

The Capital One Journey Student Card enhances the user experience with several valuable card benefits. These include access to travel and emergency assistance services, which can be particularly beneficial for students traveling for study abroad programs or vacations. Additionally, cardholders gain access to a variety of discounts on entertainment and shopping through Capital One Offers.

Customer Protections and Insurance

Cardholders enjoy strong customer protections with this credit card, including $0 fraud liability, meaning you wont be responsible for unauthorized transactions. Purchase protection ensures eligible purchases are covered against damage or theft for a limited time, and cardholders can take advantage of rental car insurance when using the card for car rentals.

Eligibility and Credit Score Requirements

To apply for the Capital One Journey Student Card, applicants typically need a good credit score. Although no specific credit score range is published, students with a score in the mid-600s to 700s may find a higher probability of approval. Additionally, students must be at least 18 years old, have a source of income, and meet other basic credit criteria to qualify.

Introductory Offers

Currently, the Capital One Journey Student Card does not feature any introductory offers such as 0% APR on purchases or balance transfers. However, its competitive rewards structure and zero annual fees compensate for that, appealing to students seeking simplicity and value.

Special Features or Unique Selling Points

The Capital One Journey Student Card stands out for its aim to assist young cardholders in building their credit responsibly. It offers custom alerts for payment due dates, providing reminders to help students maintain their credit standing and avoid late fees.

How to Apply

Students interested in the Capital One Journey Student Card can easily apply online by visiting the official Capital One website. The application process is straightforward and can usually be completed in a matter of minutes. For more details, click ‘>Apply Here and take the first step with the Capital One Journey Student Card.

For more insights into financial products, visit UpCube.net.

October 21, 2024
Discover it Student Cash Back

Discover it Student Cash Back: A Comprehensive Overview

The Discover it Student Cash Back is an exceptional credit card designed for students looking to build their credit while earning significant rewards. Issued by Discover Financial Services, this card focuses on providing cashback rewards and valuable perks tailored for young adults. This comprehensive guide delves into 17 important details about the Discover it Student Cash Back card, covering everything from its rewards program to application procedures.

1. Card Type

This credit card is classified as a cashback card, making it an ideal choice for students who wish to earn rewards on their everyday purchases.

2. Annual Fee

The Discover it Student Cash Back card comes with no annual fee, allowing students to enjoy its benefits without worrying about additional costs.

3. Rewards Program

The rewards structure of this card is quite attractive, offering 5% cashback on rotating categories each quarter, up to the quarterly maximum when you activate, and 1% unlimited cashback on all other purchases. Categories may include restaurants, gas stations, groceries, and more. Cashback can be redeemed as a statement credit, direct deposit, or gift card, providing flexible options for students.

4. Sign-Up Bonus

New cardholders can enjoy a lucrative welcome bonus of cashback match after their first year. Discover will match all the cashback earned, effectively doubling the student’s rewards during that time, which is an enticing option for those looking to maximize their earnings.

5. APR (Annual Percentage Rate)

The standard APR for the Discover it Student Cash Back card is competitive, offering 12.99% – 21.99% variable APR depending on creditworthiness. Additionally, there may be 0% introductory APR on purchases for the first 6 months, which can help students manage their expenses effectively.

6. Foreign Transaction Fees

For students studying abroad or traveling, the Discover it Student Cash Back card comes with No foreign transaction fees. This feature allows cardholders to use their card internationally without incurring additional costs.

7. Balance Transfer Options

If students have existing credit card debt, they will appreciate the balance transfer offer. During the first 6 months, students can transfer their balances with a 0% intro APR, making it a great option for managing financial burdens.

8. Additional Fees

Other notable fees include a late payment fee of up to $41 and a cash advance fee of 5% or $10, whichever is greater. Understanding these fees is essential for responsible credit use.

9. Card Benefits and Perks

The Discover it Student Cash Back card offers various benefits, such as free access to your FICO score, no annual fee, and access to the Discover Marketplace, which provides discounts on various products and services.

10. Customer Protections and Insurance

This card prioritizes customer security with features such as fraud liability protection, ensuring cardholders are not held responsible for unauthorized transactions. Additionally, it provides purchase protection and extended warranty coverage, adding another layer of peace of mind for students.

11. Eligibility and Credit Score Requirements

Students with a credit score in the range of 580 to 750 are typically eligible for the Discover it Student Cash Back card. Additionally, the card is designed for those with limited or developing credit histories, making it a suitable option for students.

12. Introductory Offers

As mentioned earlier, the card offers a 0% intro APR on purchases for the first 6 months, which is beneficial for students who may want to make larger purchases during this period without accruing interest.

13. Special Features or Unique Selling Points

One of the standout features of this card is the Cashback Match after the first year, allowing students to maximize their cash rewards substantially. Additionally, it includes access to Discovers educational resources for responsible credit card use.

14. How to Apply

Applying for the Discover it Student Cash Back card is straightforward. Students can apply ‘>Official Website or explore more financial insights at UpCube.net.

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October 21, 2024
Deserve EDU Mastercard

Deserve EDU Mastercard: The Ideal Credit Card for Students

The Deserve EDU Mastercard, issued by Deserve Inc., is a student-focused credit card designed to cater to the financial needs of young adults pursuing higher education. With no annual fee and a generous rewards structure, this card offers a compelling option for those looking to build their credit while enjoying various benefits tailored for students.

Card Type

The Deserve EDU Mastercard is primarily categorized as a student credit card. This type of card is specifically designed for college students, enabling them to establish their credit history responsibly while offering attractive rewards suitable for their lifestyle.

Annual Fee

One of the card’s significant advantages is its no annual fee policy. Cardholders can enjoy all the benefits of the card without worrying about upfront costs that could eat into their budget.

Rewards Program

The Deserve EDU Mastercard features an appealing rewards program that allows cardholders to earn 1% cashback on all purchases. The card is particularly beneficial for students who spend on categories such as online streaming services, which are integral to student life. It also provides a 2% reward on eligible purchases at restaurants or cafes, making it a suitable choice for dining out with friends or grabbing coffee during study sessions.

Sign-Up Bonus

Upon approval, new cardholders may also qualify for a sign-up bonus after making their first purchase. For details on specific spending amounts required to qualify for this bonus, check your terms and conditions at the time of application.

APR (Annual Percentage Rate)

The Deserve EDU Mastercard has a regular APR that varies depending on creditworthiness, allowing students to potentially secure a low APR if they have a good credit history. Additionally, the card may offer a 0% introductory APR on purchases for the first 12 months, providing an excellent opportunity for students to manage their expenses without interest.

Foreign Transaction Fees

Another noteworthy feature of the Deserve EDU Mastercard is its approach to foreign transaction fees. The card charges no foreign transaction fees, making it an ideal option for students studying abroad or traveling internationally.

Balance Transfer Options

The card does not currently offer promotional balance transfer options. However, it may still be beneficial for those looking to manage their purchases efficiently.

Additional Fees

While the Deserve EDU Mastercard boasts minimal fees, it’s essential to be aware of other potential costs. There are late payment fees that could accrue if payments are not made on time, and cash advance fees as applicable. Always review your terms for the most accurate and up-to-date information regarding these charges.

Card Benefits and Perks

Beyond its rewards structure, the Deserve EDU Mastercard offers various benefits and perks. Cardholders can take advantage of travel insurance, purchase protection, and more, helping them feel secure with their financial transactions and travel plans.

Customer Protections and Insurance

When it comes to customer protections, the Deserve EDU Mastercard includes advantageous features such as zero fraud liability, ensuring that cardholders are not held responsible for unauthorized purchases. It also provides purchase protection on eligible items, enhancing the card’s value for students shopping for their essential needs.

Eligibility and Credit Score Requirements

The eligibility for the Deserve EDU Mastercard generally requires a credit score in the fair to good range. However, students without an established credit history may still apply as the card specifically caters to younger applicants looking to build their credit profiles.

Introductory Offers

In addition to its current offerings, students can take advantage of introductory offers such as the 0% APR on purchases for the first 12 months, permitting them to manage their expenses while getting accustomed to responsible credit use.

Special Features or Unique Selling Points

One distinguishing factor of the Deserve EDU Mastercard is its emphasis on catering to students. The card also includes a free subscription to Amazon Prime Student for the first year, providing a valuable perk that aligns with students’ needs.

How to Apply

Applying for the Deserve EDU Mastercard is a straightforward process. Interested applicants can complete the application online by visiting the UpCube.net, and to start enjoying the benefits,