Discover it® for Students

by Discover

Benefits

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
  • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • New! Free Social Security number alerts, we'll monitor thousands of risky websites when you sign up*
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.


Apply Now You will be taken to a credit card application on the financial institution's website.
Discover it® for Students
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases. Terms and conditions apply.

Product Description

The information shown on this page is provided by the financial institution and is believed to be accurate at the time of posting (September 05, 2017). Please click "Apply Now" above to see the most up to date terms and conditions.

Annual Percentage Rate

Purchase APR 13.99% - 22.99% (Variable)*
Balance Transfer APR 13.99% - 22.99% (Variable)*
Cash Advance APR 25.99% (Variable)*
Penalty APR None
Overdraft APR N/A

Fees

Annual Fee None
Balance Transfer Fee 3% of the amount of each transfer
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee None
Late Payment Fee None the first time you pay late. After that, up to $37
Return Payment Fee Up to $37
Over-the-Credit-Limit fee None

Other Information

Rewards Type Cash back
Issuer Discover
Network Discover
Application Eligibility To be eligible for the Discover Student Credit Card you must be a college student.
Minimum Credit Quality (What's This) Fair

Additional Details & Restrictions

* Intro purchase APR is 0% for 6 months from the 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 12/10/2017; then the standard purchase APR applies. Standard purchase APR: from 13.99% variable to 22.99% variable depending on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: $.50. Cash advance fee: 5%, min. $10. Balance transfer fee: 3% Annual Fee: $0. Rates as of 8/31/2017. When we evaluate creditworthiness, we consider your credit report, all the information you provide and other information. Customers with the best credit profiles receive the lowest rate. Other customers receive higher rates and may be offered an account with different rates or terms, including no introductory rates or rewards incentives. 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.

* REWARDS: We will send full terms and conditions with your card. Each quarterly 5% program has a cap on category purchases and you must sign up for each program. The amount of the cap may change. 5% category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Rewards have no expiration. We will credit your Account with your Cashback Bonus balance if your Account is closed or if you have not used it within 18 months. Redemption may not be available for approximately 24-48 hours if your card is reported lost or stolen. Call 1-800-347-3085 for more details.

*Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

*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(R) or Discover it(R) 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 Cashback Bonus ("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 Offer are subject to change.

*Discover(R) Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian(R) credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security Number on is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To learn more, visit Discover.com/FreeAlerts.

* FICO(R) Credit Score Terms: Your FICO(R) Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is provided on the statement for individual accounts and on Discover.com with key factors for individual and joint accounts. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO(R) Credit Score, 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(R) 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

* Cashback MatchTM:After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you’ve earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You’ve earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

* Freeze it(R): When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.


Important Information from Amazon

The information provided is for summary purposes only and at the time of posting is believed to be accurate. When you click on the Apply Now button you can review the current credit card and rewards terms and conditions on the financial institution's web site. Amazon is not a financial service provider and does not have any information in respect of your financial situation, your credit history or your suitability for any credit card. Please review the terms and conditions of each credit card and rewards offer carefully to determine what product may be best suited for you and your financial circumstances.

Amazon will not assist you in obtaining a credit card and does not guarantee or represent that you will receive credit.

*Amazon.com Gift Cards: Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington corporation. For complete terms and conditions, see http://www.amazon.com/gc-legal. No expiration or service fees.

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