Great card for low to no credit history
As a college freshmen, I did not have a credit history so it was difficult for me to get approved for a credit card. However, when I applied for a Discover card, I was approved with a 500$ credit limit. I knew this was not a lot but I was glad that I was able to get approved.
There are few things I like about the Discover card. Although the APR is 19.99% for me, that does not bother me because I always make my payments on time and I solely use this card to build up my credit early on in college. I love how Discover offers many cash back deals with online companies and stores. Every quarter Discover offers 5% on select purchases so I focus my purchases on those deals. For instance, the beginning of the year, Discover has been offering cash back on purchases related to gas and transportation. Since I am doing an internship, I have saved a lot of money commuting to work.
Although Discover is know to be not accepted in many stores, it is a good way to start building credit. I have a good credit line now and I was able to be approved for a few credit cards from different banks. Also, since I do a lot of purchases online such as Amazon (Discover has deals with amazon as well) I know that most online companies accept Discover.
All in all a great starter card for college students who know they will pay on time.