Discover it® for Students


For People with
No Credit

REVIEWS

Reviews

The Discover it® for Students is designed to help young people build credit. Student credit cards are made for people with limited or no credit, providing a way to start building a positive credit history.

Like the Discover it®, the student version comes with an appealing absence of fees and abundance of rewards. It offers 5% cash back on a variety of categories that rotate throughout the year, including gas stations, restaurants, and Amazon.com.

Not only that, Discover will double the cash back you earn in your first year of use. That means you’ll effectively get 10% back on those purchases, and that’s one of the best deals available on any credit card.

You’ll also get a $20 annual Good Grade Reward for getting good grades, for up to five years — you’ll need a 3.0 GPA to get that. And you can also check your FICO Score 8 any time you’d like, for free.

Card Quick Facts

Card Quick Facts

  • Double all the cash back you’ve earned at the end of your first year automatically – only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.*
  • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Each Discover purchase is monitored. If it’s unusual, you’re alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

For People with
No Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5% Cash Back on Rotating Categories: January through March is Gas and Wholesale Clubs; April through June is Grocery Stores; July through September is Restaurants; and October through December is Amazon.com and Wholesale Clubs
  • 1% Cash Back on all other purchases
  • Earn from 5-25% Cash Back when shopping through the Discover Deals online portal
  • Rewards can be used directly at Amazon.com
How to Redeem

Introductory Bonus

  • Double all cash back rewards earned in the first year
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.24%–23.24% Variable
Intro Purchase APR 0% for 6 Months
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee $0 the first time; up to $37 after that
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 10.99% for 6 Months
Regular Balance Transfer APR 14.24%–23.24% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 26.24% Variable
Cash Advance Fee 5%, Min: $10

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 1 reviews
by Jenna
This card is awesome!

I love this card!! The cash back categories are awesome and the fact that they match all your points for the first year is great! I got accepted even though I didn't have credit history.

The Insider

Kat Tretina
Review of the American Express® Gold Card
Kat Tretina | Oct 19, 2018

With a $250 annual fee, some people might avoid the American Express Gold Card. But reconsider: it delivers exceptional value for travelers and foodies.

Read More
Susan Shain
What Are the World’s Most Exclusive Luxury Credit Cards? Here Are 8
Susan Shain | Oct 15, 2018

Want to see how the other half lives? Here are the world's most exclusive credit cards — one even has diamonds on it! We also share 3 you can apply for.

Read More
Kat Tretina
Review of the Citi ThankYou® Preferred Card for College Students
Kat Tretina | Oct 11, 2018

The Citi ThankYou Preferred Card for College Students is made for limited credit and offers 2X points on dining and entertainment, plus other benefits.

Read More