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Discover it® 5%

Rewards Card for College Students

Discover it cash credit card blue

Cash Back for Good Grades

Get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.2

Whatever You Earn Your First Year, We Match

At the end of your first year, we'll add up ALL the cash back you've earned on your student card, and match every bit of it. Automatically.3

5% Cash Back

Earn 5% cash back in rotating categories each quarter like gas stations, restaurants,, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.

5% Cashback Calendar

Get Your Rewards Any Time

Your rewards are all yours and you can redeem them in any amount, at any time. Because they never expire.4

+ Rewards Redemption

Redeem any amount, any time.

  • Pay with Cash Back at
  • Get at least $5 to $20 extra with Gift Cards and eCertificates.

Discover it® for Student Card VS. Competitors

Compare Other Credit Cards to Discover it for Students Card Chart
Discover it® for Students Card Best student credit card thumnail art Capital One®
Student Rewards
Credit Card
Citi Thank You®
Preferred Card for College Students
Bank Americard ®
for Students
No Annual Fee Yes Yes Yes Yes
$20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years2 Yes No No No
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants,, wholesale clubs and more, up to the quarterly maximum each time you activate. Yes No No No
1% cash back or more on all other credit card purchases Yes Yes Yes No
See Full Compare Chart

‡Cash back rewards ľ Capital One® JourneySM Student Rewards Card: 1% on all purchases. Citi ThankYou® Prefered Card for College Students: 2 points for each $1 spent on purchases on dining out and entertainment, 1 point for each $1 spent on other purchases. Chart comparisons conducted by an independent research firm and based on competitor info compiled in March 2017.
†Some card issuers may only provide FICO® Credit Scores online or may provide a different credit score.
*According to the Feb 2017 issue of the Nilson Report.

Freeze your card Discover Freeze it

Switch your Discover student credit card off or on in seconds

If you come home at night, but realize your credit card stayed out, Freeze it® until you find it with our app. You'll stop any new purchases, cash advances or balance transfers on your account. And you can unfreeze it just as easily.5

Fico credit score meter

Know what your FICO® Credit Score says about you

90% of top lenders include FICO® Credit Scores in their decisions. See your score for free online, by mobile and in monthly statements.6

Know more about your FICO® Score

Discover it cash credit card security

Breathe easier

First of all, you're never responsible for unauthorized purchases on your Discover student credit card. We monitor every purchase, every day and let you know if we spot anything suspicious.

Discover U.S. Customer Service

Serving you at college or at home

When you want to talk to a real person, call our U.S. based customer service representatives who are available any time. And we won't waste your time by trying to sell you other products when you call. Our powerful mobile app and online service is at your fingertips. If you ever need a replacement credit card, you can request free overnight shipping to any U.S. street address.7

Yours for no annual fee.

0% Intro APR for 6 months on purchases

Then 13.74%-22.74% Standard Variable Purchase APR applies

See rates, rewards and other info
  • Intro purchase APR 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 August 10, 2017 ; then the standard purchase APR applies. Standard purchase APR: 13.74% variable to 22.74% variable, based on your creditworthiness. Cash APR: 25.74% 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 April 28, 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. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at
  2. Good Grades Rewards: 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 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. Cashback MatchTM : Only from Discover, as of March 2017. 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.
  4. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.
  5. 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, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  6. 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 about the availability of your score. Your score and key factors are available on 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
  7. Free Overnight Card Replacement: Overnight shipping is not available to P.O boxes or addresses outside the U.S Carrier overnight shipping limitations apply that may impact the exact delivery date.
  8. Use Rewards at Amazon is not a sponsor of this promotion. Amazon,, the logo and the smile logo are registered trademarks of the, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at see Bonus.

Cardmember Reviews


Rated 4.8 out of 5 by 14978reviewers.
Rated 5 out of 5 I love the Discover Card Online easy access, also the app works great. No hassles, works with Ipay. Awesome cash back rewards. October 18, 2015
Rated 5 out of 5 Love my Discover Card! I have only had the card for about 2 months and I am getting cash back! The cash can be used to pay on your bill! I like that. Thanks Discover! October 18, 2015
Rated 5 out of 5 No Problems I have never had any problems using my Discover card. The customer service department is awesome! Always friendly, courteous and ready to help. October 18, 2015
Rated 5 out of 5 My Discover I truly am happy with my decision to get a Discover Card. The online services, the rewards, the customer service they all add to the value of this card. October 18, 2015
Rated 5 out of 5 my first credit card Really good company to work with. .love the cash back October 18, 2015
Rated 5 out of 5 Discover Card IT Great card, and benefits. I use discover as my primary card and will continue to do so. The card is helping me establish solid credit history and thank discover for the wonderful opportunity. October 18, 2015
Rated 5 out of 5 Service and FICO score Get Fico score. Great customer service. When traveling overseas there is no extra service charges which could be 3 to 4 percent. Discover has joined with JCB which is the major credit card in Asia. I also like that my bonus can be used on Amazon purchases. October 18, 2015
Rated 5 out of 5 Excellent reward card with great support Excellent cash back earnings on this card. With bonus categories and Discover deals you have plenty of options to earn large cash back rewards. They also rolled out Apple Pay which gives you an additional 10% cash back when you use it through the end of 2015. Since opening my account I have received approximately $1500 in cash back rewards. I have also used price protection a couple of times saving me over $500 total. The process was painless. Customer service is first rate. Love this card. October 18, 2015
  • 2015-10-19T11:48:08.793-05:00
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