The offer terms presented on this page (including, but not limited to, APR rates) may be different than offer terms displayed if you navigate away from this page. Check the terms of your specific offer before you move forward with submitting an application.

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured credit card

Student Credit Cards


Purchase APR: x% intro rate for x months, then x% variable to x% variable. Balance Transfer APR: x% intro rate for x months, then Purchase APR applies. Cash Advance APR: x% variable. Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: x% intro fee of the amount transferred; x% fee for future transfers. Annual Fee: None. Rates as of .

Secured Credit Card


Purchase APR: x% standard variable purchase APR. Balance Transfer APR: x% for x months, then Purchase APR applies. Cash Advance APR: x% variable. Minimum interest charge: $.50. Cash advance fee: Either $10 or x% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% intro fee of the amount transferred; x% fee for future transfers. Annual Fee: None. Rates as of .

  1. Minimum Security Deposit: If approved, you must make a minimum security deposit of $200 (or more, in increments of $20 up to $2,500), which will equal your requested credit limit. Discover will determine your maximum credit limit by your income and ability to pay.

  2. Build credit history with responsible use (Secured): Discover, a division of Capital One NA, reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly. Many factors affect credit, such as payment history and amount of credit extended and used. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build/rebuild credit.

  3. Discover® Identity Alerts (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 the dark web known for revealing personal information and an alert if your Social Security number is found. Alerts are offered by Discover, a division of Capital One, N.A., (Discover) at no cost, are available only online, and do not impact your credit score. 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 is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.

  4. Freeze your account: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity may continue including merchant initiated or merchant-indicated recurring transactions, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  5. The offer terms presented on this page (including, but not limited to, APR rates) may be different than offer terms displayed if you navigate away from this page or elsewhere on discover.com. Check the terms of your specific offer before you move forward with submitting an application. There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Card applicants cannot be pre-approved for the NHL® Discover Card.

  6. Getting your deposit back: Monthly reviews start your seventh month as a customer. We will refund your security deposit if you have made all payments on time for the last six consecutive billing cycles on all your Discover accounts including any loans, and you've remained in “good status” on all credit accounts you are responsible for whether they are Discover accounts or not. “Good status” means: (1) your account and credit report show no delinquencies, charge-offs, repossessions, or bankruptcies for the six months prior to our review; and (2) your Discover Secured Card is not in a prohibited status at the time of our review, including, but not limited to: closed, revoked, suspended, subject to tax levy, garnishment, deceased, lost/stolen, or fraud. Monthly reviews may be delayed if you change your payment due date. We typically process your refund in 4-6 business days. If you close your account and pay in full, we’ll return your deposit within two billing cycles plus ten days.

  7. $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.

  8. Real human customer service 24/7: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.

  9. 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. 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.

  10. You can use the tap to pay feature with your contactless card anywhere your Discover credit card is accepted, and you see the contactless symbol  at checkout. Not all merchants accept contactless payments. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

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