Target REDcard vs Discover It Chrome for Students

Product Comparison
January 18, 2021

Discover It Chrome for Students vs Target REDcard: Side-by-Side Comparison

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PROS
  • Better additional bonuses than Discover It Chrome for Students
  • Better APR than Discover It Chrome for Students
CONS
PROS
CONS
  • No significant cons
Target REDcard vs. Discover It Chrome for Students: Side-by-Side Comparison
Winner
Target REDcard
Criteria
Discover It Chrome for Students
Winner
3.9
Overall Score
Overall Score
4.7
Overall Score
0.0 stars – View deals >
Pricing
0.0 stars – View deals >
5.0 stars – 2 reviews
5.0 stars – 1 review
5.0 stars – 2 reviews
5.0 stars – 1 review
4.3 stars – 3 reviews
Additional Bonuses
3.0 stars – 1 review
4.0 stars – 2 reviews
3.0 stars – 1 review
5.0 stars – 1 review
Security Features
5.0 stars – 1 review
1.0 stars – 1 review
Cash Advance Cost
5.0 stars – 1 review
1.0 stars – 1 review
5.0 stars – 1 review
3.0 stars – 1 review
Return Check Fee
4.0 stars – 1 review
1.0 stars – 1 review
Damage and Loss Protection
3.0 stars – 1 review
1.0 stars – 1 review
Extended Warranty Protection
2.0 stars – 1 review
2.0 stars – 1 review
Foreign Transaction Costs
5.0 stars – 1 review
3.0 stars – 1 review
Contactless Payment
5.0 stars – 1 review
1.0 stars – 1 review
Debt Transfer Fees
5.0 stars – 1 review
2.0 stars – 1 review
Card Quality
0.0 stars – 0 reviews
Target REDcard
   
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Target REDcard vs. Discover It Chrome for Students: Comparison Details

Best Cost – Tie
5.0 stars

For the perks that you get as a Target customer, this is a great card because there is no annual fee.

Last reviewed January 20, 2020. Read all 2 no annual fee reviews.

5.0 stars

Yes, Discover It Chrome for Students does offer no annual fee. You can find additional information about Discover It Chrome for Students's cost on their customer service page here. You can also visit their homepage to see if Discover It Chrome for Students has posted additional information on their cost.

Last reviewed February 9, 2020. Read all 2 no annual fee reviews.

Target REDcard
   
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Best Rewards – Tie
5.0 stars

While you do have perks with the Target REDcard, you don't earn any points that can be redeemed for rewards, so that makes it less desirable than a lot of cards that have similar benefits but better rewards programs.

Last reviewed January 20, 2020. Read all 2 sign up bonus reviews.

5.0 stars

Yes, Discover It Chrome for Students does offer sign up bonus. You can find additional information about Discover It Chrome for Students's rewards on their customer service page here. You can also visit their homepage to see if Discover It Chrome for Students has posted additional information on their rewards.

Last reviewed February 9, 2020. Read all 2 sign up bonus reviews.

Target REDcard
   
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Best Additional Bonuses – Winner: Target REDcard
4.0 stars

5% discount on all eligible Target purchases, 10% discount coupon each year on your card anniversary, 30 extra days for returns, The downside is, is that there is no rewards program for this card.

Last reviewed January 20, 2020. Read all 4 perks reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Discover It Chrome for Students' website, Discover It Chrome for Students performs average to better than average in terms of perks compared to other cash back credit card stores.

Based on a review posted on highya.com, Discover It Chrome for Students was rated as fairly average for perks relative to competing cash back credit card stores. Check out the entire review here. From this review:

Aside from those security benefits, Discover customers get a variety of insurance-style protections on what they buy with their card.

Learn more at the company's website.

You can also check out the top 10 cash back credit card stores for perks, or the overall best-performing cash back credit card stores on our main review grid.

Looking for Discover It Chrome for Students coupons? Check out the latest deals here. Want more reviews on Discover It Chrome for Students? Read a more in-depth review of Discover It Chrome for Students on this page.

Last reviewed November 26, 2019. Read all 2 perks reviews.

Target REDcard
   
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Best APR – Winner: Target REDcard
4.0 stars

The ongoing APR is 25.15% Variable. I'm lucky where I don't carry a balance on my card, but if you do, the charges could start to snowball and you could end up paying a lot more than the benefits of the card give you are worth.

Last reviewed January 20, 2020. Read all 3 interest rates reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Discover It Chrome for Students' website, Discover It Chrome for Students performs average to better than average in terms of interest rates compared to other cash back credit card stores.

Based on a review posted on wallethub.com, Discover It Chrome for Students was rated as fairly average for interest rates relative to competing cash back credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

the interest rates are very high and the late-payment fees are very strict, and hence it would be wiser for me to take my debt to Bank of America, where they start you off with 0% interest so that your minimum payments actually eat away your debt. It is a good card to get your credit score started, but it becomes somewhat of a nightmare once circumstances throw you under the bus.

Learn more at the company's website.

You can also check out the top 10 cash back credit card stores for interest rates, or the overall best-performing cash back credit card stores on our main review grid.

Looking for Discover It Chrome for Students coupons? Check out the latest deals here. Want more reviews on Discover It Chrome for Students? Read a more in-depth review of Discover It Chrome for Students on this page.

Last reviewed December 26, 2019. Read all 2 interest rates reviews.

Target REDcard
   
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Best Security Features – Tie
5.0 stars

Based on reviews posted on popular review sites as well as from Target REDcard's website, Target REDcard performs very well in terms of security features relative to other credit card stores.

Based on information published by Target REDcard, they have excellent support for security features on a page posted on their website. Here's a snippet from the information published on their site:

Target takes a proactive approach to fighting fraud and identity theft. If a transaction or RedCard (Target Mastercard, Target Credit Card or Target Debit Card) application looks suspicious, we may call you to verify that you have authorized the application or transaction. For some online account changes or other changes to your RedCard account, you may be prompted to provide additional information about yourself, your account or your RedCard. This helps reduce the risk of fraud and the possibility of identity theft.

The review site thefinancebuff.com gives Target REDcard excellent ratings for security features in a review posted on its website. From this review:

Target RED Card debit cards saw zero fraud because they must use a PIN. Other cards would be made more secure if they also must use a PIN. Unfortunately those other cards all allow charging without a PIN.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 fraud protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Chrome for Students' website, Discover It Chrome for Students performs very well in terms of security features relative to other cash back credit card stores.

The review site moneyunder30.com gives Discover It Chrome for Students excellent ratings for security features in a review posted on its website. From this review:

The Discover it® Student chrome offers cardholders zero liability insurance, which means you won’t be liable for fraudulent charges made with your credit card.

The review site supermoney.com gives Discover It Chrome for Students excellent ratings for security features in a review posted on its website. Here's a brief quote from this review:

Zero fraud liability

The review site mybanktracker.com gives Discover It Chrome for Students excellent ratings for security features in a review posted on its website. From this review:

Even if someone does manage to rack up fraudulent charges, you can breathe a sigh of relief. Discover offers a $0 liability guarantee, so you’re not held responsible for what they spend.

Learn more at the company's website.

You can also check out the top 10 cash back credit card stores for security features, or the overall best-performing cash back credit card stores on our main review grid.

Looking for Discover It Chrome for Students coupons? Check out the latest deals here. Want more reviews on Discover It Chrome for Students? Read a more in-depth review of Discover It Chrome for Students on this page.

Last reviewed February 9, 2020. Read all 2 fraud protection reviews.

Target REDcard
   
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Best Cash Advance Cost – Winner: Discover It Chrome for Students
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of cash advance cost when compared to other credit card stores.

Based on one review posted on moneycrashers.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Here's a brief quote from this review:

No Balance Transfers or Cash Advances. You can’t make balance transfers or draw cash advances with your Target REDcard. That’s a drawback relative to most cash back credit cards, including Chase Freedom.

Based on one review posted on wallethub.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Specifically, this reviewer pointed out the following:

You can't get cash advances with your Target Credit Card, unless you have been upgraded to the Mastercard version, which you can use anywhere that takes Mastercard, including virtually all ATMs. You can’t apply for that card directly. Once you have the Target REDcard Credit Card, it might be offered to you as an upgrade.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 cash advance fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Chrome for Students' website, Discover It Chrome for Students performs very well in terms of cash advance cost relative to other cash back credit card stores.

Based on information published by Discover It Chrome for Students, they have excellent support for cash advance cost on a page posted on their website. Here's a snippet from the information published on their site:

Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

One reviewer on smartasset.com said Discover It Chrome for Students performs well on cash advance cost relative to its peers. You can read the full review here. From this review:

Cash advance APR is 26.49% Variable and has a fee of either $10 or 5%, whichever is greater.

One reviewer on finder.com said Discover It Chrome for Students performs well on cash advance cost relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

$10 or 5% of the cash advance amount, whichever is greater

Learn more at the company's website.

You can also check out the top 10 cash back credit card stores for cash advance cost, or the overall best-performing cash back credit card stores on our main review grid.

Looking for Discover It Chrome for Students coupons? Check out the latest deals here. Want more reviews on Discover It Chrome for Students? Read a more in-depth review of Discover It Chrome for Students on this page.

Last reviewed February 9, 2020. Read all 2 cash advance fees reviews.

Target REDcard
   
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Best Late Fees – Winner: Discover It Chrome for Students
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of late fees when compared to other credit card stores.

Based on one review posted on upgradedpoints.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. Here's a brief quote from this review:

Target states users will pay a late fee of $24 when any amount due remains unpaid after the payment due date. All subsequent late fees will be $38 until you reach the minimum required payment by the due date for 6 consecutive billing periods.

Based on one review posted on magnifymoney.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. From this review:

Late payment fees run up to $38. Returned payment fees run up to $27. If you miss a payment, are late on a payment, or only pay the minimum balance, your 5% savings will be automatically negated.

Learn more at the company's website.

You can also check out the top 10 credit card stores for late fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 late payment fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Chrome for Students' website, Discover It Chrome for Students performs very well in terms of late fees relative to other cash back credit card stores.

The review site moneyunder30.com gives Discover It Chrome for Students excellent ratings for late fees in a review posted on its website. From this review:

The Discover it® Student chrome will not charge you a late payment fee the first time you miss a payment. This is a policy that shows understanding and compassion, a nice touch for a financial institution. It is also something that works well with students and others who are just starting to build credit and learning how the whole system works. After the initial transgression though, you will pay up to a $39 late payment fee, so be sure not to skip again.

The review site creditcardinsider.com gives Discover It Chrome for Students excellent ratings for late fees in a review posted on its website. From this review:

$0 the first time; up to $39 after that

The review site smartasset.com gives Discover It Chrome for Students excellent ratings for late fees in a review posted on its website. Here's a brief quote from this review:

Your first late payment has no penalty fee. After that, it’s up to $39 but carries no penalty APR with it.

Learn more at the company's website.

You can also check out the top 10 cash back credit card stores for late fees, or the overall best-performing cash back credit card stores on our main review grid.

Looking for Discover It Chrome for Students coupons? Check out the latest deals here. Want more reviews on Discover It Chrome for Students? Read a more in-depth review of Discover It Chrome for Students on this page.

Last reviewed February 9, 2020. Read all 2 late payment fees reviews.

Target REDcard
   
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Best Return Check Fee – Winner: Discover It Chrome for Students
3.0 stars

Based on ratings published by trusted online review sites as well as information from Target REDcard's website, Target REDcard performs average to better than average in terms of return check fee compared to other credit card stores.

Based on a review posted on investopedia.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

There is also a late payment fee of up to $38 and a return payment fee of $27.

Based on a review posted on smartasset.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. From this review:

Returned Payment: Up to $28

Based on a review posted on finder.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Late payments come with fees of up to $39 and returned payments have fees of up to $28.

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 returned payment fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Discover It Chrome for Students' website, Discover It Chrome for Students performs very well in terms of return check fee relative to other cash back credit card stores.

One reviewer on finder.com said Discover It Chrome for Students performs well on return check fee relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

Returned payments come with fees as high as $39.

One reviewer on smartasset.com said Discover It Chrome for Students performs well on return check fee relative to its peers. You can read the full review here. From this review:

However, after that you will pay up to $39 for late or returned payment.

One reviewer on creditcardinsider.com said Discover It Chrome for Students performs well on return check fee relative to its peers. You can read the full review here. From this review:

Up to $39

Learn more at the company's website.

You can also check out the top 10 cash back credit card stores for return check fee, or the overall best-performing cash back credit card stores on our main review grid.

Looking for Discover It Chrome for Students coupons? Check out the latest deals here. Want more reviews on Discover It Chrome for Students? Read a more in-depth review of Discover It Chrome for Students on this page.

Last reviewed February 9, 2020. Read all 2 returned payment fees reviews.

Target REDcard
   
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Best Damage and Loss Protection – Winner: Discover It Chrome for Students
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of damage and loss protection when compared to other credit card stores.

Based on one review posted on target.com, it appears that Target REDcard received poor ratings for damage and loss protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 purchase protection reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Discover It Chrome for Students' website, Discover It Chrome for Students performs average to better than average in terms of damage and loss protection compared to other cash back credit card stores.

From information posted on Discover It Chrome for Students' website, Discover It Chrome for Students appear to have average support for damage and loss protection relative to competing cash back credit card stores. Check out the page here. From this page:

Discover's Purchase Protection benefit was discontinued effective February 28, 2018. Purchases made prior to February 28, 2018 will be eligible for coverage under the original terms of the benefit.

The online review website moneyunder30.com, gave Discover It Chrome for Students slightly below average ratings when it comes to damage and loss protection versus other cash back credit card stores. See the full review on moneyunder30.com's site. Here's a brief quote from this review:

Discover no longer offers benefits such as purchase protection, return guarantee, extended product warranty, and price protection.

Learn more at the company's website.

You can also check out the top 10 cash back credit card stores for damage and loss protection, or the overall best-performing cash back credit card stores on our main review grid.

Looking for Discover It Chrome for Students coupons? Check out the latest deals here. Want more reviews on Discover It Chrome for Students? Read a more in-depth review of Discover It Chrome for Students on this page.

Last reviewed February 9, 2020. Read all 2 purchase protection reviews.

Target REDcard
   
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Best Extended Warranty Protection – Winner: Discover It Chrome for Students
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of extended warranty protection when compared to other credit card stores.

Based on one review posted on birchfinance.com, it appears that Target REDcard received poor ratings for extended warranty protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 extended warranty protection reviews.

2.0 stars

Per online reviews as well based on researching Discover It Chrome for Students' website, Discover It Chrome for Students performs average to slightly below average in terms of extended warranty protection when compared to other cash back credit card stores.

Last reviewed February 9, 2020. Read all 2 extended warranty protection reviews.

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Best Foreign Transaction Costs – Winner: Discover It Chrome for Students
2.0 stars

Unfortunately, Target REDcard does not currently offer no foreign transaction fees. You can also visit Target REDcard's foreign transaction costs customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their foreign transaction costs.

Last reviewed January 18, 2021. Read 1 no foreign transaction fees review.

5.0 stars

Yes, Discover It Chrome for Students does offer no foreign transaction fees. You can find additional information about Discover It Chrome for Students's foreign transaction costs on their customer service page here. You can also visit their homepage to see if Discover It Chrome for Students has posted additional information on their foreign transaction costs.

Last reviewed February 9, 2020. Read all 2 no foreign transaction fees reviews.

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Best Contactless Payment – Winner: Discover It Chrome for Students
3.0 stars

Based on our research, it appears that Target REDcard may not offer tap to pay at the current time. You may be able to find additional information about Target REDcard's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if Target REDcard has posted any updated information about their contactless payment.

Last reviewed January 18, 2021. Read 1 tap to pay review.

5.0 stars

Yes, Discover It Chrome for Students does offer tap to pay. You can find additional information about Discover It Chrome for Students's contactless payment on their customer service page here. You can also visit their homepage to see if Discover It Chrome for Students has posted additional information on their contactless payment.

Last reviewed February 9, 2020. Read all 2 tap to pay reviews.

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Best Debt Transfer Fees – Winner: Discover It Chrome for Students
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of debt transfer fees when compared to other credit card stores.

Based on information pulled from their own site, it appears that Target REDcard seems to have poor support for debt transfer fees. See the full page here. Specifically, their website provides the following information:

Transfer Intro APR: Not Offered

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 balance transfer fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Chrome for Students' website, Discover It Chrome for Students performs very well in terms of debt transfer fees relative to other cash back credit card stores.

Based on information published by Discover It Chrome for Students, they have excellent support for debt transfer fees on a page posted on their website. Here's a snippet from the information published on their site:

Balance transfer fee: 3% Intro fee on balances transferred by May 10, 2020 and up to 5% fee for future balance transfers will apply.

The review site nerdwallet.com gives Discover It Chrome for Students excellent ratings for debt transfer fees in a review posted on its website. Here's a brief quote from this review:

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

The review site smartasset.com gives Discover It Chrome for Students excellent ratings for debt transfer fees in a review posted on its website. Specifically, this reviewer pointed out the following:

Balance transfers start at a 10.99% APR for the first 6 months. After that, your APR will be 26.99% based on your creditworthiness. Balance transfers will incur a 3% transaction fee.

Learn more at the company's website.

You can also check out the top 10 cash back credit card stores for debt transfer fees, or the overall best-performing cash back credit card stores on our main review grid.

Looking for Discover It Chrome for Students coupons? Check out the latest deals here. Want more reviews on Discover It Chrome for Students? Read a more in-depth review of Discover It Chrome for Students on this page.

Last reviewed February 9, 2020. Read all 2 balance transfer fees reviews.

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