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Student Credit Cards

with no annual fee for college and beyond

With Discover® student credit cards, college students can learn good credit habits and set themselves on a path toward financial responsibility after graduation. And beyond that, students also earn cash back rewards, can view their FICO® Credit Score for Free3, and more - all with No Annual Fee!

Discover it chrome credit card for students

Discover it® chrome card for students

Get the student card that automatically gives you extra cash rewards on gas and restaurant purchases all year long.

2% cash back at gas stations and restaurants up to $1,000 in combined purchases each quarter, automatically.

1% cash back on all other purchases.

We'll Match All the cash back You've Earned at the end of your first year.1

0% Intro APR for 6 months on purchases. Then 13.99%-22.99% Standard Variable Purchase APR applies.

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Discover it credit card for students

Discover it® card for students

Get the student card that pays cash rewards in purchase categories that change throughout the year.

Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. 5% Cashback Calendar

1% cash back on all other purchases.

We'll Match All the cash back You've Earned at the end of your first year.1

0% Intro APR†† for 6 months on purchases. Then 13.99%-22.99% Standard Variable Purchase APR applies.

Apply Now Learn More

Discover Student credit cards include:

100% U.S. Service

Talk to a real person any time, day or night.

Good Grades Reward

Get $20 cash back each school year your GPA is 3.0 or higher for up to the next five years.2

FICO® Credit Score

for FREE on monthly statements, mobile and online3

All with no annual fee

Credit Education for Students

Student Applying For Credit Card

Applying For Your First Credit Card

It's the classic catch-22 for a student. You need to have credit to get credit. Learn how to get a credit card even if you have no credit history.

Paying With A Credit Card

Choosing Your Teen's First Credit Card

Learn what you need to know before your teen applies for their first credit card.

Typing Hands

The Credit Card Journey: From Applying To Buying

The "Credit Journey" is a walk-through of choosing, applying, getting and using a credit card.

Interested in more credit information?
Visit the Discover Credit Resource Center

Frequently Asked Questions

Student credit cards are meant to give college students the opportunity to start building their credit history. The actual credit card looks and acts the same as a regular credit card. As you use your credit card, you will need to make payments each month and your credit card account will be reported to the three major credit bureaus. So your on-time payments and responsible use can help build your credit history More broadly, Discover Student Credit cards also offer features such as Good Grades, Apple Pay, and Fico Credit Score for Free.

Credit is a value of funds that is loaned to you by another entity, such as a bank, credit issuer, or credit union. By using a credit card, you are borrowing money, repaying it, and creating a credit history when the lender reports this usage and payment information to the major credit bureaus. Having a credit history is important for loans, renting and more, since lending institutions will determine whether or not you are creditworthy based on this credit history. If you do not have a credit history, it does not necessarily mean you will not receive credit, because lending institutions may assess you on other factors as well.

No. You must be at least 18 years of age or older

  • Intro purchase APR is is 0% for 6 months from date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by October 10, 2017; then the standard purchase APR applies. Standard purchase APR: 13.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 25.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of June 30, 2017. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  1. Cashback MatchTM: Only from Discover, as of May 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  2. Good Grades: 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 Cashback Bonus ("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.
  3. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the 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.
  4. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.