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

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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

Amazon.com^*

Grocery stores

Restaurants

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.

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^†See rates, rewards and other info >

Chrome for Students

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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.

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^†^†See rates, rewards and other info >

Rewards and benefits designed with students in mind

Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.³

Good Grade Reward

Get $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.⁴

Refer-a-Friend

As a Discover student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved.⁵

FICO^{^®} Credit Score for free

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

99% nationwide acceptance

Discover is accepted by 99% of the places across the country that take credit cards.⁷

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.

Apply for Student Cash Back

Apply for Student Chrome

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

After you graduate from college, your student credit card will become a standard credit card. You’ll keep the same cash back program and card design. And you may qualify for a credit line increase to handle expenses more easily after school.

When used responsibly, Discover student credit cards are a great way to build credit while earning cash back rewards on every purchase. That’s because Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may adversely impact your ability to build credit. So be sure to make smart choices with your student credit card, like always making at least your minimum payment or more on time.

We approve credit cards for college students as quickly as we can. Sometimes that’s right away online. But if we need more information about a student credit card application, we’ll reach out and communicate next steps toward getting your student card as quickly as possible. Applying with your .edu email address from school may help us to speed up the process of your application.

You might need a new student credit card for a number of reasons, but simply replacing your credit card will not affect your credit score. Also, you’re never held responsible for unized purchases on your Discover account.

Credit cards for college students work best when you make purchases you’re sure you can pay off. In fact, you can avoid paying interest on student credit card purchases entirely by paying off your entire student card balance due on your monthly statement in full and on time every month. You’ll still enjoy all your rewards and other student card benefits without paying interest charges. Note you will pay interest if you take any balance transfers or cash advances.

A regular credit card for people with an established credit history is different than a credit card for students with no credit or a short credit history. Student credit cards may have a lower credit limit, so students can get started, practice responsible use and build their credit history. Over time, credit cards for students may allow an increase to their credit line, as students show responsible use when managing their credit.

Read All Student Card FAQs