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Discover® Student Tropical Beach Card

Offered by: Discover® Card

Discover® Student Tropical Beach Card

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: N/A
Typical High: N/A
9 Months    


12.99% – 18.99%*


12.99% – 18.99%*





* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee


Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders of This Card

Discover® Student Tropical Beach Card Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

22 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

wolf902(2, 13)


Do not apply if you are a student! They require a credit history and all the things you need for a normal credit card. Do not apply it will only lower your credit score.

wolf902's response was:    

Dec 19, 2014
Applied Twice, Finally Approved

I applied once for this card around my Sophomore year of college because of the reviews from my friends and people I worked with. The decision was actually between this card and Chase. Anyway, I had no credit when I applied the first time.  I was living in an apartment for $400 a month and had two years of student loans. I think I got denied because I also worked 2 part-time jobs and don't think I made enough. I'm currently a Senior in college and applied yesterday and got approved. Still working part-time, still living on my own, and I actually have more student loans. The only difference is that I get paid more. I don't know many details about it yet, but I'm excited about the approval. The rating will change once I start actively using it.

ambarton123's response was:    

Nov 12, 2014

i applied for this card and got approved dont know how much yet since i havent received the card. my ck score is 670 and i have 8 other cards and 25 hard inquiries but i have always made payments on time on all my credit cards. they asked for some information to prove my adress and college enrollement and i did. so good luck everyone. make sure you guys use your credit wisely.

Sep 03, 2014
Hassle Free Process

I applied last night and when I checked the status in the morning, it took me to upload documents page. I wanted to make sure they got the documents and called them up. They transferred me to the New account section where I was put on hold for less than a minute and was told that I got approved with a limit of $500. This is my first card and I never had any accounts to build my credit. I also get a $50 promotion because I used a referral link. Waiting to get my hands on it and start building my history!

Aug 08, 2014
Approved: Credit Score of 688

I just applied for this card 2 days ago and got an email saying I was approved. I'm not sure for how much yet, as I haven't gotten my official packet. I'll be sure to update this review when I get it. As for the application process, it was a very simple application. I submitted two documents, one of my bank statement and another of my CenturyLink Internet Bill. Like I said in the title, I have a credit score, according to Credit Karma, of 688. I've never had a credit card, but I have 4 current open accounts which I assume are merely utilities and such. I currently have $13,000 in subsidized student loans and I am a senior in college. I have been trying for a while to get a credit card to really start building my credit but this is the first time I have been approved. I am excited to start using this card. Plus I selected an adorable cassette tape design! 

UMNSeniorDesigner's response was:    

Apr 30, 2014

See all 22 Reviews of Discover® Student Tropical Beach Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from January 2015 through June 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.