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Discover it® for Students


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Your Rating:

3.8/5.0 from 32 Offer Ratings
Over the Past 60 Days!

(32) Over the Past 60 Days!

  • Regular Purchase APR 13.24% - 22.24* (Variable)
  • Intro Purchase APR 0%* for 6 Months
  • Intro BT APR 10.99% for 6 Months*
  • Annual Fees $0
  • Credit Needed

    Fair Credit

  • Card Brand Discover

Card Details


  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • Earn 5% cash back now at, Department Stores, and Sam's Club on up to $1,500 in purchases through Dec 31st when you activate. Plus, unlimited 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Card Fees

Late Payment Fees No late fee on your first late payment*

Foreign Transaction Fee None

Balance Transfer Fee 3%

Penalty APR None

Ongoing Information

Rewards Cap 5% rewards categories cap at $1,500/quarter

Rewards Rate 5% in rotating categories & 1% on everything else

Annual Fee $0

Expert Reviews

From the Editorial Team

The Discover It credit card was created for students - and only students. You must be enrolled in a college or university in order to get approved for this card. This card comes with everything you wish all cards came with – no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment. Your APR will not increase due to late payment and the APR remains at 0% for the first 6 months on purchases. Students will also enjoy no fraud liability on unauthorized purchases.

As an exclusive offer, Discover will automatically double all the cash back at the end of your first year of cardmembership.* Users will earn unlimited 1% cash back on purchases students are already making, such as text books and coffee for late night study sessions. Card users have the ability to choose their payment due date and payments are considered on-time until midnight the day of. This card is further customizable by offering 5 different credit card designs to choose from that will fit any personality.  

As a student it’s hard to remember important things that don’t relate to school. Discover offers great customer service that’s available any time of the day to answer your questions and are located in the U.S. They also have cash back concierge experts on hand to help you understand your rewards and get the most out of your card. Discover offers an expedited credit card delivery so you can get on track to building your credit fast. 

Expert Reviews of the Discover it® for Students

  • 4.0

    Regular APR

  • 3.5

    Intro APR

  • 4.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The Discover it® for Students is the perfect credit card for students to get to build credit and earn cash back while they are in school.

The Good

There's no limit to how much bonus cash you can earn with the Cashback Match offer in your first year. Also, you won't ever have to worry about paying an annual fee or foreign transaction fees.

The Not so Good

The minimum line of credit is a bit low, starting at $500 and the APR jumps to 13.24% - 22.24* (Variable) after the first 6 months.

Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Discover.

Consumer Reviews

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Offer Rating


32 Total Ratings

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+29 users submitted a rating without a full review

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1 Found this review helpful

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By: | May 31, 2016

No annual fee is a great advantage of this card, along with the cash back chance, as well as being able to get during school when you have little to no credit makes this card a awesome choice.

1 Found this review helpful

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By: | May 31, 2016

Card is great for a student trying to build credit or maybe do some rebuilding. The $20 for good grades really is a great bonus

12 Found this review helpful

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By: | Mar 18, 2016

I applied for this card and got approved, not instantly though. My starting credit line was $1250, but this could be that I already had a credit card from USBANK and simply wanted to continue building credit and opend another credit card. With an average credit score of 670, this is a great card if you want to build credit, as well as the great cash back opportunities, which USBANK do not offer.

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