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Discover it® for Students
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Intro APR

0%* for 6 Months

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Bonus Rewards

5% cash back*

Expert Review:

Discover it® for Students Credit Card

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The Bottom Line

The Discover it® for students credit card has a slew of fee-free services and an excellent rewards program. If you’re trying to build your credit while in college, this is a great choice – just be sure to make your payments on time and keep your account active so you can redeem all cash back bonuses.

The Good

Earning 5% cash back on rotating categories is appealing enough for students to want this card. Card holders also receive 1% cash back bonus on every other purchase made.

The Not so Good

The minimum line of credit is a bit low, starting at $500 and the APR jumps to 12.99-18.99% after the first 6 months.

Discover it® for Students

Features
Intro APR: 0%* for 6 Months
Regular APR: 12.99%-18.99%* (Variable)
Balance Transfer: See Terms
Annual Fee: $0*
Credit Needed: Fair Credit

Highlights

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous...5% cash back in categories that change throughout the year up to $1,500 in purchases with free and easy sign-up each time. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible...Choose your own due date and pay up to midnight ET online or by phone.
  • Human...talk to a real person any time with 100% U.S.-based service.
  • Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% - 18.99%. *Click apply for Terms & Conditions.

Rates & Term Details

From the CompareCards.com 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. Students will also enjoy no fraud liability on unauthorized purchases.

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. 

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