DISCOVER IT® STUDENT CASH BACK

Earn top-tier rewards and build credit history with Discover it® Student Card.

No annual fee

Good Grade Reward

Earn a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.1

Discover it® Student Cash Back Credit Card

Why Discover it® Student Cash Back Card?

Discover it® Student Credit Card FAQs

While paying a bill can be daunting, Discover offers convenient email and text alerts you can activate to help you when the following happens:

        a. Your statement is available.

        b. Your minimum payment is due.

        c. Your payment is posted.      

        d. Your card is declined.

        e. Merchant refund is posted.

        f. Balance transfer is posted.

 

These alerts can also be cancelled at any time. Interested? You can sign up here

Feel like you are ready to take on more credit? You can apply by requesting an increase online, or you can call us at 1-800-DISCOVER. Note that you must be at least 21 years old to apply for a credit line increase on the phone.

 

When you graduate, call us to update your income and personal information such as your income, housing, e-mail and address. Updating this information may make you eligible for credit line increases.

While many things might be changing in your life, your Discover Student card doesn't have to. You'll still keep many of the same benefits on your credit card. When you graduate, we encourage current student card members to call us to update their personal information such as income, housing, e-mail and address. This may make you eligible for credit line increases.

Discover Student credit cards are meant to give you the opportunity to build your credit history, and earn cash back rewards on purchases.

While the concept of "building credit" may sound like a lot of hard work, it's a fairly simple process. These are ways to build your credit responsibly.8

  • Make all payments on-time
  • Either pay your balance in full, or try to pay more than your minimum each month
  • Avoid carrying a balance -- meaning you pay your balance in full and on time each month -- in order to avoid paying interest on purchase.
Choose from several colorful Discover Card designs

Which Discover it® Card design fits your style?

Choose from several colorful card designs when you apply to become a cardmember. Go ahead – express yourself.

Designed just for students

The Discover it® Student Cash Back Card helps you build credit with responsible use8 with our lowest intro APR: 0% Intro APR for 6 months on purchases.  Then 12.99% - 21.99% Standard Variable Purchase APR will apply.
Discover it® Student Cash Back Card designed for Students

Why students love the Discover Student It® cash back card

★★★★★
★★★★★
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Bring your Discover account with you on-the-go

{rating} average out of {total} ratings on the App Store as of {date}

Use your Discover student login to set alerts, view your FICO® Score for free9 and more, all from your smartphone, tablet or wearable.

 

Track and redeem cashback rewards

 

Easily message us for customer service right from our app

 

Free Social Security number alerts: we'll monitor thousands of Dark Web sites when you sign up.10

 

Freeze it® - if you misplace your card, freeze your account to prevent new cash advances, purchases and balance transfers.11

Discover App lets you see recent activities related to your account
Student checking a Discover it® student credit card referral email on her mobile phone

Over 500,000 new student cardmembers referred by their friends

Once you become a Discover it® student cardmember, you can earn a statement credit each time you refer a friend and they’re approved.12

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  1. Good Grade: 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"). 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. Cashback Match: Only from Discover, as of July 2021. 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.

  3. Q1 Program Details: Activate to earn 5% Cashback Bonus at Grocery Stores (stand-alone), Walgreens (stand-alone) and CVS (stand-alone) from 1/1/21 (or the date on which you activate 5%, whichever is later) through 3/31/21, on up to $1,500 in purchases. Grocery Store purchases now also includes Walmart Grocery Pickup and Delivery purchases only; other purchases at Walmart are not eligible. Purchases made at convenience stores, gas stations, warehouse clubs, discount stores, supercenters (or at grocery stores associated with supercenters or discount stores) are not eligible. Target purchases are not eligible. Walgreens and CVS purchases include only purchases made in-store at Walgreens or CVS, online at Walgreens.com or CVS.com, or through the Walgreens or CVS app. Individual merchants and stand-alone stores within physical Walgreens or CVS locations (including health centers), or on Walgreens.com or CVS.com, may not be eligible in this category. Listed merchants are in no way sponsoring or affiliated with this program. Certain digital wallet transactions qualify for 5%, for more information see Discover.com/digitalwallets. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. 5% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover Card does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Only purchases made from merchants located in the United States are eligible for 5% Cashback Bonus. In order for a purchase to qualify for the 5% Cashback Bonus Program, the 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. We may add additional categories within a quarter that may also require enrollment. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

  4. Q2 Program Details: Activate to earn 5% Cashback Bonus at Gas Stations (stand-alone), Wholesale Clubs and Select Streaming Services from 4/1/21 (or the date on which you activate 5%, whichever is later) through 6/30/21, on up to $1,500 in purchases. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. Gas Stations affiliated with supermarkets and supercenters may not be eligible. Check with your Wholesale Clubs to make sure your Discover card is accepted. Purchases of affiliated Wholesale Club services, such as delivery services, travel and cell phone purchases, may not be eligible in this category. Individual merchants and stand-alone stores within physical Wholesale club locations, or online, may not be eligible in this category. Select Streaming Services purchases include only the following select U.S. streaming subscriptions: Amazon Prime Video, Amazon Music, Apple Music, Apple TV+, AT&T TV Now, BET+, CBS All Access, DAZN, Disney +, ESPN+, Fubo TV, Google Play Movies & TV, HBO Max, Hulu, Netflix, Pandora, Philo, Peacock TV, Showtime, Sirius XM, Starz, Sling, Spotify, Vudu, YouTube TV. If your subscription is bundled with another product or service, billed by a third party (such as a digital platform, a cable or satellite provider, telecommunications, internet provider or a car manufacturer), the purchase may not be eligible in this category. Add-ons associated with Select Streaming Services may not qualify for this promotion if they are not listed, billed in a bundle, separately or through a third party. Listed merchants are in no way sponsoring or affiliated with this program. Certain digital wallet transactions qualify for 5%, for more information see Discover.com/digitalwallets. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. 5% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover Card does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Only purchases made from merchants located in the United States are eligible for 5% Cashback Bonus. In order for a purchase to qualify for the 5% Cashback Bonus Program, the 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. We may add additional categories within a quarter that may also require enrollment. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

  5. Q3 Program Details: Activate to earn 5% Cashback Bonus at Restaurants and PayPal from 7/1/21 (or the date on which you activate 5%, whichever is later) through 9/30/21, on up to $1,500 in purchases. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. PayPal qualifying purchases are those made through the PayPal wallet online, when you send money to Friends and Family via PayPal using your Discover Card, and point-of-sale transactions using PayPal Here. Payments made through the Xoom transfer service are not eligible for 5%. Any restaurant purchase made using PayPal will only be awarded a total of 5% Cashback Bonus. PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Certain digital wallet transactions qualify for 5%, for more information see Discover.com/digitalwallets. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. 5% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover Card does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Only purchases made from merchants located in the United States are eligible for 5% Cashback Bonus. In order for a purchase to qualify for the 5% Cashback Bonus Program, the 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. We may add additional categories within a quarter that may also require enrollment. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

  6. Q4 Program Details: Activate to earn 5% Cashback Bonus at Amazon.comWalmart.com and Target.com from 10/1/21 (or the date on which you activate 5%, whichever is later) through 12/31/21, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Purchases also include those made in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star. The Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Walmart.com purchases include only those made at Walmart.com and when shopping through the Walmart app (including Grocery Pick Up and Delivery). Purchases made through affiliates of Walmart.com are not part of this promotion. The Walmart.com logo is a registered trademark of Walmart Inc. Target.com purchases include only purchases made online at Target.com or through the Target app. Purchases made through affiliates of Target.com are not part of this promotion, including, but not limited to, targetoptical.com and targetphoto.com. Target and the Bullseye Design are registered trademarks of Target Brands, Inc. Listed merchants are in no way sponsoring or affiliated with this program. Certain digital wallet transactions qualify for 5%, for more information see Discover.com/digitalwallets. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. 5% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover Card does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Only purchases made from merchants located in the United States are eligible for 5% Cashback Bonus. In order for a purchase to qualify for the 5% Cashback Bonus Program, the 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. We may add additional categories within a quarter that may also require enrollment. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

  7. Acceptance: According to the Feb 2021 issue of the Nilson Report.

  8. 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.

  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. 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.

  10. 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 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. 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 see a list of Frequently Asked Questions, visit discover.com/freealerts.

  11. Freeze it®: 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, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  12. 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, 2021. 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 that posts to their account 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.

  13. 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.

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