Consider what the Discover Student Tropical Beach Card can do for you. Those individuals that are looking for an affordable line of credit but do not have the best credit should consider this credit card offered to you by Morgan Stanley. The card is meant to provide credit to those with limited credit to average credit. It also provides a cash back rewards program for them to benefit from. This credit card may be an ideal way to improve credit as it can allow for an affordable cost as well as the reward program.

Individuals that secure the Discover Student Tropical Beach Card will get a six month introductory offers of 0% on purchases made during that time. The interest rate will then bounce up to 16.99% variable APR which is still quite affordable. For cash advances, you can expect to pay 22.99% APR fixed on this line of credit. There is no annual fee on this account. It will have a minimum limit of $500 and a maximum of $5000 for you to take advantage of.

The benefits that this card offered by Discover are in the cash back rewards program. You will earn .25% to 5% rebates on your charges. You get 5% in cash back at participating retailers through the Cashback Bonus Reward program. You also get .25% at warehouse and discount stores that are participating. In addition, you will double your reward for purchasing at participating Discover Card partners. When it comes time to use these rewards, your reward percentage depends on how much you have spent. For up to $1500, you get .25% back. For up to $3000 spent on your account, you get .5% back and for over this amount, you get 1% back.

The Discover Student Tropical Beach Card offers a good amount of benefit to those that do not have perfect credit or that are looking to build their credit. You will find that the cash back rewards are quite beneficial but that the low APR on this line of credit is one of the best rewards it offers.