Discover it® for Students is one of Discover’s newest credit cards. It’s designed to help young people build credit. Like the Discover it®, the student version comes with an appealing absence of fees and abundance of rewards.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0
- Intro Purchase APR 0% for 6 Months
- Regular Purchase APR 13.74%–22.74% Variable
- 5% Cash Back on Rotating Categories: January through March is Gas and Ground Transportation; April through June is Food & Fun; July through September is Summer Spruce Up & More; and October through December is Holiday Shopping & More
- 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
- Signup Bonus Double all cash back rewards earned after one year of usage
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee $0
- Intro Balance Transfer APR 10.99% for 6 Months
- Regular Balance Transfer APR 13.74%–22.74% Variable
- Cash Advance APR 25.74% Variable
- Penalty APR None
- Late Fee $0 the first time; up to $35 after that
- Returned Payment Fee Up to $35
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
- Choose from a number of different designs to personalize your card
- Pay your bill up until midnight the day it’s due: Online or by phone.
- Temporarily Freeze Your Account: Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.
- Card Replacement: Free overnight shipping in the U.S. if you need your card replaced.
- Spend Analyzer Financial Tool: Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.
- $0 Fraud Liability Guarantee: Cardholders are not responsible for unauthorized purchases on this card.
- Purchase Protection: Provides coverage for purchases against damage or theft, up to $500 per item.
- Price Protection: If you find an item you bought being advertised for a lesser price within 90 days of purchase, you can be reimbursed for the difference.
- Extended Product Warranty: Adds up to 1 year to a manufacturer’s warranty of 3 years or less.
- Return Guarantee: Items can be returned even if the manufacturer won’t take them back, up to $500 and for up to 90 days after the date of purchase.
- Cash At Checkout: When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.
- Auto Rental Insurance: Covers rented vehicles against collision damage when the car rental company’s insurance is declined.
- Flight Accident Insurance: You and your family are automatically covered on airline flights, up to $500,000.
- This card comes with Discover benefits. You will be provided with a list of specific benefits when you get your card.
Read about experiences others have had with this card and leave your own review here.
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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.