A student credit card offers you a great way to move into the world of financial independence. Building your credit early is more accessible with a student credit card, which can provide incentives to make purchases and pay them off in a timely manner, as well as options to support you if you miss a payment.

The advantages of a student credit card can include financial education and resources that are available online, via app or by phone; support in developing good payment habits, in the form of alerts and reminders from your credit card issuer; and cash back and other rewards that are specifically geared toward students.

Perhaps most importantly, lenders may grant lower limits and interest rates to students that will allow you to start building your credit history.

“Building credit while in college can be very important in creating a good credit foundation,” says Christine Forman, a marketing director for Discover. “Some cards even offer students extra advantages, including rewarding you for purchases on gas and dining out and for earning good grades.”

The advantages of student credit cards from Discover include:

  • Rewards — With the Discover it® Chrome for Students card, you can earn a variety of rewards, including cash back on your purchases, and there’s even a reward for achieving good grades.
  • Protection — Discover cardmembers are never responsible for unauthorized purchases on their card and Discover offers a variety of special security features that are described below.
  • Tools — To help you learn about and manage your credit, Discover offers helpful tools like a Spend Analyzer and Automatic Bill Payment to help students budget and automatically pay bills on time.
Discover it & Discover Chrome Benefits


If you are just getting acquainted with credit and how it works, you may also want to know more about security and customer service.


Discover offers free alerts that you can enable to notify you if your Social Security number is found on any of thousands of risky websites on the Dark Web.3 You also can choose to receive free alerts when actions such as any new credit card, mortgage, car loan or other accounts appear on your Experian® credit report.

If you can’t find your Discover it® Chrome card, you can use the Freeze it® feature on the Discover mobile app or website to prevent new purchases from being approved.4 You can easily unfreeze your card when you find it, or you can easily order a new one if your original card is permanently lost.


Discover’s telephone customer service is provided by 100% U.S.-based representatives. You also can receive 24/7 customer service through Discover’s website and mobile app. In the credit card category, the Discover mobile app achieved the highest overall satisfaction rating, according to the J.D. Power 2017 U.S. Banking App and U.S. Credit Card App Satisfaction Studies.

Among the many decisions you have to make as a college student, don’t let the choice of a credit card be one that you make without studying your options. Look closely at any student card’s rewards and benefits, to decide which card will be the best fit for you.

1. 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”). This will be applied to your account within seven (7) business days. 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.

2. 2% Cashback Bonus®Gas stations 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.

3. Discover® 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® 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 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. See Frequently Asked Questions.

4. 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.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.