No credit score required to apply11
Compare Discover it® Student Cash Back to other credit cards
New credit cards for students aren’t all the same. Compare student credit cards with this helpful chart to see how Discover stands out.
Compare with others
Compare Student Cash Back Credit Cards |
Discover it® Student Cash Back |
Bank of America Customized Cash Rewards Credit Card for Students‡ |
Capital One Quicksilver Rewards for Students‡ |
Capital One SavorOne Rewards for Students‡ |
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Rewards |
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Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2
See issuers' websites for their new cardmember bonuses |
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Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com6, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate
Plus earn 1% cash back on all other purchases
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Redeem your rewards for cash in any amount |
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Redeem your rewards for cash at any time3 |
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Your cash back never expires3 |
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Use your rewards instantly at Amazon.com checkout 6 |
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Use your rewards instantly when you pay with PayPal9 |
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Security |
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Free recurring help removing your personal information from select people-search sites that could sell your data. Activate by mobile app12 |
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$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card10 |
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Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 |
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Activate free alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites 1 |
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Free overnight shipping for card replacement to any U.S. street address at your request 7 |
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Value |
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Paying late won't raise your APR |
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No late fee on your first late payment |
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Service |
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100% U.S. - based customer service available any time13 |
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Show all features and compare |
Ready to apply for the Discover it® for Students Card?
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Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to, Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. 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 see a list of Frequently Asked Questions, visit discover.com/freealerts.
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Cashback Match: Only from Discover, as of July 2023. 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.
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Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.
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Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including merchant-indicated recurring bill payment, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
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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 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.
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Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates.
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Free Overnight Card Replacement: Free overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
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PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.
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Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions. All reward redemptions are subject to Discover’s reward program terms.
PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.
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$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ
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No Credit Score Required: Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation.
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Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.
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100% U.S.-based customer service: You can reach a live agent anytime by calling 1-800-347-2683. Certain specialized customer service agents may not be available 24/7.
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