Discover Student Credit Card

Your college years are a great time to build good credit.  And, the student Discover® card can help you get there faster. With the Discover® Student Card – Clear you won’t need a minimum income or a cosigner and you’ll get a head start with 0% interest on purchases for 6 months.

Complete the Discover® credit card application online in minutes.

Getting started building your good credit is just a mouse click away when you complete the Discover® credit card application online.  Plus, with the student Discover® card rewards program you can earn unlimited cash rewards automatically and get up to 20% Cashback Bonus® when you use your card for online purchases at select retailers.

Your Discover Student credit card will reward you long after graduation.

Like any college course, building good credit with your Discover student credit card will require focus and hard work. However, as long as you use your student Discover® card for budgeted purchases and pay your balance on time each and every month the good credit you’ll earn will reward you long after graduation.

  • Editor's Rating: 8.5
  • Consumer Rating: (2 ratings) 7.5
Intro APR: 0%*
Regular APR: 14.99%*
Annual Fee: None
Intro Period: 6 Months*
Balance Transfer: Yes*
Credit Needed: Good

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  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online
  • Double rewards with more than 100 Cashback Bonus Partners
  • Customer Service in less than a minute, anytime you want

EDITORS' RATINGS OVERALL SCORE

8.5

Overall

The Bottom-Line

This is a good card option for the college or university student who would like to have the purchasing power of a credit card and the opportunity to save on purchases in the process.

The Good

Six months at 0% interest for six months plus opportunity to earn up to 5% Cashback in select categories and up to 1% on all other purchases.

The Not So Good

Maximum cap on 5% cashback bonus is $400; must spend in excess of $3,000 to qualify for full 1% cashback; default rate can be quite high.

CARD DESCRIPTION

The Discover Student Card is a good option for the college or university student. You can have the benefits of a credit card while saving money on purchases. Students earn cash in a variety of ways and there are unlimited cash rewards.

Additionally, you can earn up to 20% cash back when you shop online through Discover and there are double rewards from a select 100+ bonus partner merchants. The card features more than 150 different card designs from which to choose.

The Discover® Student card allows students with good credit the opportunity to pay 0% APR on purchases for six months. There is a maximum cap on the 5% cash back bonus of $400. Students must spend more than $3,000 to qualify for the full 1% cash back and the regular rate after the introductory period on the card can be high depending on your credit rating.

Read Customer Reviews (Last Reviewed: Aug 03, 2008)

DETAILED EDITORS' RATINGS

8.0

Introductory APR

0% APR for six months on purchases

8.0

Benefits

Choose from 150 card designs, get 5% Cashback Bonus and up to 1% on everyday purchases. Purchases at ShopDiscover online earn up to 20% cashback bonus.

8.0

Fees

No annual fee; 3% cash advance fee.

8.0

Regular APR

Variable APR Prime+ 10.99%