Earn top-tier rewards while you build your credit history

Designed just for students

Earn cash back rewards for college and beyond while practicing responsible credit habits with this Discover it® card for students. All with 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

Why Discover it® Cash Back for Students?

Get 5% cash back at places you love to shop throughout the year

Designed just for students

No annual fee

0% Intro APR for 6 months on purchases.  Then 12.99% - 21.99% Standard Variable Purchase APR will apply.

No late fee on your first late payment

Over 500,000 new student cardmembers referred by their friends

Once you become a Discover it® student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved.7

Bring your 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 free8 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.9


Freeze it® - if you misplace your card, freeze your account to prevent new cash advances, purchases and balance transfers.10

Frequently Asked Questions

Generally, debit cards can't help you build a credit history. When you use a debit card, you are accessing funds in your bank account. This is regardless of whether you use it at the ATM, at a store, online, or even via the telephone.

When you use a credit card, you are borrowing money from the credit card issuer. If you don't repay that full amount by the next billing cycle, you may be charged interest on these purchases.

A credit history helps inform your credit score. This credit score helps predict how likely you are to pay back the borrowed credit. Companies use credit scores to make decisions in offering a credit card, car loans, mortgages, or other credit products.

Your APR—or annual percentage rate—is a statement of the interest rate as a yearly rate. Let's say you started a new term and charged $500 for books, with an 18% APR. If you never made any payments over the 12 months, you would owe an extra $90 annually.

There are 5 things you need when applying online:


  • Be at least 18 years of age
  • Have a U.S. Address
  • Have a Social Security Number
  • Provide all the required information requested in your Discover application
  • Show proof of education


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. 


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.

Jumpstart your credit history

Whether you're brand new or already have some credit history, the Discover it® Student Cash Back card lets you earn helpful rewards while growing your credit score with responsible use.11

Students love Discover

Which design fits your style?

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