Discover Student Credit Cards
All with no annual fee
Build a credit history. Learn financial responsibility. Enjoy cashback rewards.
Earn 5% Cash Back
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases — automatically.
These student credit cards also include
Good Grade Reward
Get $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.2
We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.1
Low Intro Rate
We monitor every purchase, every day—and you're never responsible for unauthorized charges on your Discover card account.
FICO® Credit Score for FREE
On monthly statements, mobile and online3
100% U.S.-Based Customer Service
Talk to a real person at any time, day or night.
About Discover Student Credit Cards
Discover Student credit cards are meant to give you the opportunity to build your credit history, and earn cash back rewards on purchases
A credit history helps inform your credit score. This credit score helps predict how likely you are to pay back the borrowed credit. Companies use credit scores to make decisions in offering a credit card, car loans, mortgages, or other credit products.
Cash back refers to earning back a percentage of the money you spend on your credit card. After you've earned these cash rewards, you will be able to use them by redeeming for things like bank deposits, statement credits, gift cards to popular retailers, and more.
Many cards offer 1% cash back or more on purchases. For example, say you spent $50 buying coffee for your study group, and your card gives you 1% cash back on this purchase. When you receive your credit card statement at the end of the month, this particular purchase would have given you .50 cash back to redeem.
* Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
††You earn a full 2% Cashback Bonus on your first $1000 in combined gas and restaurant purchases each calendar quarter. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Gas and restaurant category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Gas and restaurant purchases are those made at merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast-food locations. Purchases coded in categories other than these, including purchases made at warehouse clubs, wholesale distributors, and discount stores, will not qualify. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for further detail.
Cashback Match: Only from Discover, as of May 2020. We’ll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You’ve earned cash back rewards only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
Good Grade: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® Chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 statement credit ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.
FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.