Low Intro Rate
- 0% Intro APR* for 6 months and then 12.99% – 21.99% Standard Variable Purchase APR
- *See rates, rewards and other info
Know Your Score
Your FICO® Credit Score is one of the most frequently used pieces of information that lenders review when they're making a credit decision about you. So we think you should know it too. Seeing your score for free each month will help you stay on top of your credit and avoid surprises.
See what else you'll enjoy with Discover it.
| Compare Student Credit Cards |
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Capital One® JourneySM Student Rewards Credit Card | Bank Americard® For Students | U.S. Bank College Visa® Card | Citi® Dividend Platinum Select® Visa® Card For College Students |
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| No annual fee |  |
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| Free FICO® Credit Score on your monthly statement1 | |
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| 100% U.S. based customer service available any time | |
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| Paying late won't raise your APR | |
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| No late fee on your first late payment | |
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| No foreign transaction fee | |
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| No overlimit fee | |
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| 5% cash back in categories that change each quarter offered to all cardmembers | |
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| 1% Unlimited cash back on all other purchases* | |
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| Use your rewards instantly at Amazon.com checkout2 | |
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| Pay your bill up to midnight (ET) the day it's due by phone or online | |
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Comparison based on information obtained on issuers' websites or from customer service representatives as of November 2013.
Real Cash Rewards
- 5% cash back in categories that change throughout the year, up to the quarterly maximum. Signing up each time is free and easy. 5% Cashback Calendar
- 1% Unlimited cash back on all other purchases*
More Welcomed Than Ever
- Accepted Where you Shop at 9 million merchants3 nationwide.
It won't take long to see why we're ranked among the highest in Customer loyalty for 18 years in a row4
Questions? Call 1-800-983-1307
- 1Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. FICO® Credit Scores are delivered only to Primary cardmembers who get a monthly statement and have an available score. Discover and other lenders may use different inputs like 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.
- 2Amazon, 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/CashbackBonus - 3According to the Feb 2013 issue of the Nilson Report
- 4According to the 2014 Brand Keys Customer Loyalty Engagement Index Report
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Rated 4.8 out of 5Â by 777reviewers.
Rated 5 out of 5Â by Sam0506 Thanks! When I first applied for this card I was in the process of moving, and it got lost in the mail in a loop of forwarding addresses. I called customer service and the woman on the phone was both friendly and helpful, which was very different from any other credit/debit card customer service I had experienced. She not only fixed my lost card issue, taking the time to assure me that the previously issued card could not be used by someone else if found, but also sent me a visa gift card to make up for any trouble I had experienced. Since then I have had nothing but positive interactions with everyone over at Discover. I even recently got sent another small gift card to Starbucks for being a good customer. Even if these little touches are marketing ploys, they still really make me feel valued and rewarded for working hard and paying my bill in full/on time. January 31, 2014
Rated 5 out of 5Â by thoroughlymodernJulie Wonderful credit card for students I've always been wary of opening a credit card, but Discover made it painless. They were far more generous with credit line than I was expecting, but have been grateful for more times than I can count. They make it so easy to pay on time and in full (I pay off every month). There's really no reason that one shouldn't have a fabulous credit score if this is their first credit card, as it was mine. The benefits (cash back rewards rock!) really make it worthwhile and this is certainly one step toward big life purchases I'll need to make in the next five years. February 6, 2014
Rated 5 out of 5Â by ESD3 I love my Discover I took a chance and applied for a Discover after having a card through my bank for six months. I was happily surprised when I got one! I love the rewards (I wish some were more relevant to me) and Shop Discover! I'm a college student and its really nice to have that safety net for emergencies. I've only had the card 4 months and have always payed on time and well over the minimum payment and for that my credit line has already been raised by 150 bucks. Its a great feeling having and using my Discover! February 28, 2014
Rated 5 out of 5Â by texasstategirl Perfect for College students! This was my first credit card, and it has taught me so much. They start you out with a reasonable limit and the benefits are awesome. For those who are scared of cards, don't be, I have MADE money off of this one. Most importantly though, I call these guys about everything! I always have questions and they are always happy to help. The wait on talking to a representative is always short, and the people are always so nice and helpful. Knowing I'm in good hands is such a relief. I always use my cashback bonus towards my balance, it's like an extra allowance each month. I actually put my rent on my card (something I would have to pay anyways# and then pay it immediately off #you get money back for that!). I have had my card for 7 months with no problems. :) January 24, 2014
Rated 5 out of 5Â by DanielleLovesDiscover I love my Discover it card I am a student and I am trying to build credit. The Discover card is perfect for me! I love that I can check my balance and pay my bill from my smartphone, tablet, computer, anywhere I want. I also love the cash back. I haven't even had my Discover card for a year and I already received an increase in my limit and I've gotten $100 cash back from my purchases and my friend referral. I am a big advocate for Discover!!!! February 3, 2014
Rated 2 out of 5Â by RyanMac21 discover it card review Overall not a bad cash-back program, need the choice to choose what cash-back things we would personally like. Main issues I have with discover is that a bunch of places don't accept it. Also, the website does not show exactly what the value of the cash back you receive comes from. Also, only being able to use cash back in increments of $50 is completely insane. The mobile app needs to be more informative and less glitchy. Also, don't like the fact that when you make multiple payments within 3 days of each other that they might not post for another 8 days...."For my protection." More for my inconvenience.When I make a payment on the card I want it to be applied immediately not having to wait for up to 8 days for it be credited. March 8, 2014
Rated 5 out of 5Â by GladIDiscoveredIT Great Card I have had credit cards prior to this, but this one actually makes life easy, unlike some of the other cards. The payment arrangements, points back, and ease of reviewing statements, makes this a card I HIGHLY recommend. March 1, 2014
Rated 5 out of 5Â by paige09nicole Easy To Use I have had no problems with my discover card the last few months I have had it. The online dashboard is simple to use and I pay my bill from there. It also allows me to use my cashback rewards at Amazon which I have already done once. User friendly and its easy to sign up with a click of a button for the rewards period. And they even sent me a free starbucks gift card this month, so they at least think of the little guy! February 27, 2014
