DISCOVER® STUDENT CREDIT CARDS

Explore the best Discover student credit cards to build credit history during college.

Check out these Discover® student credit card offers that let you earn cash back rewards in college while building a credit history to help you after graduation. You can even view your FICO® Credit Score for free.1

No annual fee, No credit score required to apply*

Discover it® Student Cash Back credit card

Student Cash Back

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5% cash back at places you love to shop

Students earn 5% cash back on everyday purchases during the school year (and all year long) at different places each quarter, such as

 

Amazon.com7

Grocery stores

Restaurants

Gas stations

When you pay using PayPal8

 

up to the quarterly maximum when you activate.

 

And all your other purchases still earn 1% cash back automatically, with no limit.


Discover it® Student Chrome credit card

Chrome for Students

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★★★★★

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2% cash back at gas stations and restaurants

Earn 2% cash back at

 

gas stations

restaurants (including cafes and fast-food)

 

on up to $1,000 in combined purchases each quarter.2

 

Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover card designed for your lifestyle, on campus and off.


Rewards and benefits designed with college students in mind

Low intro APR

The student Discover card starts at x% intro APR †† for x months on purchases. Then x% to x% Standard Variable Purchase APR will apply. And there's no annual fee.

 

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Student listening to music happy about the student credit card rewards she earned with Discover

Jumpstart your credit history

Whether you're brand new or already have some credit history, a student Discover card lets you earn great rewards while building credit with responsible use5. This includes making all of your payments on time to your Discover account  or any other bills and loans.

Bring your account on campus and off

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Use your Discover student login to set alerts, view your FICO® Score for free1 and more, all from your smartphone, tablet or wearable.

Discover App lets you see recent activities related to your account

Student credit card FAQ

After you graduate from college, your student credit card will become a standard credit card. You’ll keep the same cash back program and card design. And you may qualify for a credit line increase to handle expenses more easily after school.

When used responsibly, Discover student credit cards are a great way to build credit while earning cash back rewards on every purchase. That’s because Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may adversely impact your ability to build credit. So be sure to make smart choices with your student credit card, like always making at least your minimum payment or more on time.

We approve credit cards for college students as quickly as we can. Sometimes that’s right away online. But if we need more information about a student credit card application, we’ll reach out and communicate next steps toward getting your student card as quickly as possible. Applying with your .edu email address from school may help us to speed up the process of your application.

You might need a new student credit card for a number of reasons, but simply replacing your credit card will not affect your credit score. Also, you’re never held responsible for unauthorized purchases on your Discover account.

Credit cards for college students work best when you make purchases you’re sure you can pay off. In fact, you can avoid paying interest on student credit card purchases entirely by paying off your entire student card balance due on your monthly statement in full and on time every month. You’ll still enjoy all your rewards and other student card benefits without paying interest charges. Note you will pay interest if you take any balance transfers or cash advances.

A regular credit card for people with an established credit history is different than a credit card for students with no credit or a short credit history. Student credit cards may have a lower credit limit, so students can get started, practice responsible use and build their credit history. Over time, credit cards for students may allow an increase to their credit line, as students show responsible use when managing their credit.

Stack of 3 Discover student credit cards

Ready to apply for a Discover student credit card?

Checking for pre-approval won't hurt your credit score.

Need to brush up on your credit card basics?

See our helpful articles on student credit cards below.

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*Based on the preceding 12 months of Discover Student credit card application data. When we evaluate your creditworthiness we consider all the information you provide on your application, your credit report, which includes your credit score if applicable, and other information.

  1. 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.

  2. You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  3. Cashback Match: Only from Discover, as of March 2022. 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.

  4. Refer-a-Friend: Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if their friend applies for the specific offer sent via the link provided and is approved by December 31, 2022. Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login.

    You are not eligible to refer a friend if you have a Discover it® Secured Credit Card, or Discover it® Business Card. Your account must be in good standing to receive your referral reward. Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals.

    You will not be notified whether a specific referral was approved or declined. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Statement credits you receive may be taxable to you. Please contact your tax advisor. Offer may not be combined with any other introductory offer.

  5. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may impact your ability to build credit.

  6. Acceptance: According to the Feb 2022 issue of the Nilson Report.

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

  8. PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.

  9. About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

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