- Discover Student Card Foreign Transaction Fee
- Uob Evol Credit Card Review: Up To 8% Cashback! 
- Wealthy Habits Credit Cards Research Worksheet
- Credit Card Reward Programs Can Be A Predatory Trap
- Discover 5% Cash Back Calendar For 2023
- Top 5 Credit Cards Options For International Students
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Discover Student Card Foreign Transaction Fee
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Foreign Transaction Fees Vs. Currency Conversion Fees: What’s The Difference?
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Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we rate credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
Our editor’s ratings review fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Get 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Get 1% unlimited cash back on all other purchases.
Uob Evol Credit Card Review: Up To 8% Cashback! 
Unlimited Cashback Match™ – only from Discover. Discover will automatically match all cash back you’ve earned at the end of your first year
Credit score recommended. Keep in mind that credit card lenders can use many different variations of credit score models when considering your application.
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Discover it® Chrome is worth considering if you’re looking for a direct cash-back credit card with no annual fee, especially if you spend a lot at gas stations and restaurants. However, you should also consider our picks for the best credit cards that don’t charge an annual fee, as many of them get higher cash-back rates on most purchases.
Extra Card Review: Improve Your Credit With A Debit Card
If you’re looking for a simple, hassle-free cash-back credit card, Discover it® Chrome might be a decent option for you. Discover cards don’t charge an annual fee, although you may pay in other ways, especially in the form of lower returns on your spending.
Discover it® Chrome offers 2% cash back on your first $1,000 in combined purchases at gas stations and restaurants every quarter (1% after that), meaning you could get an extra $20 in your wallet if you can maximize that category . Other than that, you get a fixed 1% cash back on all purchases, with no other caps or bonus categories to worry about. You also get a Cashback Match™ (effectively doubling your rewards) after your first account year).
This card is best for someone who doesn’t spend a ton on their credit cards and is looking for a simple option to earn rewards. If you’re just transitioning from debit to credit or you’re still in the process of building your credit history, Discover can be a great option.
However, if you’re a big spender, spend frequently in popular bonus categories (like dining, gas, groceries, etc.), or are looking for an option to earn flexible and valuable travel rewards, it’s probably more you’d better get another card. After your first year’s Cashback Match™, you’ll earn a flat 1% on most purchases with the Discover it® Chrome card.
Wealthy Habits Credit Cards Research Worksheet
And even if you don’t want to pay an annual fee, there are some cards with no annual fee to consider — such as the Chase Freedom Unlimited® or Citi®Double Cash Card — that offer higher rewards at no extra cost . .
We focus here on the rewards and perks that come with each card. These cards aren’t worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, pay on time, and only spend what you can afford.
You’ll earn cash-back rewards every time you pay with Discover it® Chrome. You’ll get 2% cash back at gas stations and restaurants (up to $1,000 in combined spending per quarter, then 1%), and 1% back on all other purchases.
The quarterly cap on bonus rewards is on the low side, as you won’t get bonus cash back on more than $1,000 per quarter. If you spend more at gas stations and restaurants each quarter, you may want to consider a card that doesn’t put bonus rewards in these spending categories.
Credit Card Reward Programs Can Be A Predatory Trap
Discover makes it easy to claim your cash back, either as a statement credit or at checkout when shopping with Amazon or Paypal. A side note — even if you plan to use your rewards to cover a purchase made with Amazon or PayPal, you should charge that to your card and then redeem your points as a statement credit so you can get of cash back on purchases.
Unlike some cards, there is no minimum amount required because every $1 you earn in cash back is $1 you can redeem. If you close your account or don’t use your card for 18 months, Discover will automatically take your rewards as a statement credit for you.
You can also use your rewards (starting at $5) for gift cards or eCertificates from merchant partners. In addition, you can donate your rewards to select charities, with a minimum donation of 1 cent.
Regardless of the Discover card you have, your cash back or Discover miles are worth 1 cent each. While the downside is that other cards can give you more value for your rewards, the upside is that there’s no guesswork when it comes to whether getting your Discover rewards is a good idea. You can rest easy knowing you’ll always get 1 cent per mile in value no matter how you use it.
Discover 5% Cash Back Calendar For 2023
In the world of credit card rewards, the mantra “you get what you pay for” is pretty applicable, so don’t expect too many benefits from a card that doesn’t charge an annual fee. However, there are some useful benefits to Discover it® Chrome.
Discover it® Chrome has a 0% intro APR for 15 months on purchases (then a 17.24% – 28.24% Variable APR). If you’re actively trying to pay off your credit card debt, a 0% APR offer like this can help give you some breathing room while you make a plan. Just make sure you pay off your balance by the end of the intro period, otherwise you’ll be hit with a high interest rate for paying off the remaining balance.
While many credit cards will throw thousands of bonus miles or hundreds of dollars in cash at new applicants (after meeting certain spending limits), Discover offers a welcome bonus that’s even better which is tailored to those who cannot meet high spending requirements in a short time frame.
Most Discover cards, including Discover it® Chrome, offer the Discover Cashback Match™. As the name suggests, at the end of your first year of card membership, Discover will match all the cash back you’ve earned. This includes 2% cash back earned at gas stations and restaurants (up to $1,000) and 1% earned on all other purchases.
Foreign Transaction Fees And How To Avoid Them
Ultimately, you’ll need to look at your own spending patterns and decide how much this offer is worth to you. That’s kind of a theme with Discover cards throughout, as they require careful evaluation to determine if it’s the best offer for you. For some, you may be better off paying the annual fee for a more beneficial cash-back card or focusing your earning efforts elsewhere.
Meanwhile, it’s fairly common for cards with no annual fee to charge a ~3% fee on foreign transactions, but the lack of any such fee makes Discover it® Chrome a great option to take with you when you travel.
Discover it® Chrome does not charge an annual fee or foreign transaction fees, and you will not pay a late fee the first time, but you will pay any of the following times you pay late.
New cardholders get 0% intro APR for 15 months on purchases, then a 17.24% – 28.24% Variable APR. The following fees also apply:
Top 5 Credit Cards Options For International Students
Discover it® Cash Back is one of the best Discover credit cards, and its main difference is how it earns cash back. Instead of offering bonus cash back on categories that don’t change, this
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