Discover® Student Cards

Build a credit history with two great cards for college and beyond

Check out these Discover® student credit card offers that let you earn cash back rewards in college while building a credit history to help you after graduation. You can even view your FICO® Credit Score for free.1

No annual fee

Student Cash Back

5% cash back at places you love to shop

Students earn 5% cash back on everyday purchases during the school year (and all year long) at different places each quarter, such as*

Grocery stores


Gas stations

When you pay using PayPal**


up to the quarterly maximum when you activate.


And all your other purchases still earn 1% cash back automatically, with no limit.

Chrome for Students

2% cash back at gas stations and restaurants

Earn 2% cash back at


gas stations

restaurants (including cafes and fast-food)


on up to $1,000 in combined purchases each quarter.2


Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover card designed for your lifestyle, on campus and off.

Rewards and benefits designed with students in mind

Low intro APR

The student Discover card starts at 0% intro APR† †† for 6 months on purchases. Then 12.99% to 21.99% Standard Variable Purchase APR will apply. And there's no annual fee.


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Jumpstart your credit history

Whether you're brand new or already have some credit history, a student Discover card lets you earn great rewards while building credit with responsible use6. This includes making all of your payments on time to your Discover account  or any other bills and loans.

Bring your account with you on-the-go

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Use your Discover student login to set alerts, view your FICO® Score for free1 and more, all from your smartphone, tablet or wearable.

Student credit card FAQ

Generally, debit cards can't help you build a credit history. When you use a debit card, you are accessing funds in your bank account. This is regardless of whether you use it at the ATM, at a store, online, or even via the telephone.

When you use a credit card, you are borrowing money from the credit card issuer. If you don't repay that full amount by the next billing cycle, you may be charged interest on these purchases.

A credit history helps inform your credit score. This credit score helps predict how likely you are to pay back the borrowed credit. Companies use credit scores to make decisions in offering a credit card, car loans, mortgages, or other credit products.

Your APR—or annual percentage rate—is a statement of the interest rate as a yearly rate. Let's say you started a new term and charged $500 for books, with an 18% APR. If you never made any payments over the 12 months, you would owe an extra $90 annually.

There are 5 things you need when applying online:


  • Be at least 18 years of age
  • Have a U.S. Address
  • Have a Social Security Number
  • Provide all the required information requested in your Discover application
  • Show proof of education


Feel like you are ready to take on more credit? You can apply by requesting an increase online, or you can call us at 1-800-DISCOVER. 


When you graduate, call us to update your income and personal information such as your income, housing, e-mail and address. Updating this information may make you eligible for credit line increases.

Ready to apply for a Discover student credit card?

Checking for pre-approval won't hurt your credit score.