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Discover Cards For Students: Build Credit For Tomorrow

The content is accurate at the time of publication and is subject to change.

Building credit history while at college is actually a good move. You may be able to establish your credit faster and graduate with a diploma and good credit score. There are different ways to start building your credit and getting a student credit card is probably one of the best. Discover offers two impressive credit cards - Discover it® Student Cash Back and Discover it® Student Chrome. Read on to see why we think those are best student credit cards to start with.

Rewards

While earning rewards may not be your goal, it is still good to get some percentage back from each of your purchase. Both Discover student credit cards allow to earn cash back on all purchases. Plus, there is an introductory bonus offer.

Thus, if you chose the Discover it® Student Cash Back card, you will Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. All other purchases will earn 1% cash back.

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Fair/New to Credit

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Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
18.24% - 27.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Redemption Options

Redeem your rewards for cash at any time.

Rewards never expire.µ

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
18.24% - 27.24% Variable APR

Bonuses

Not all student credit cards offer bonuses, even though they may offer rewards per dollar spent. Discover student credit cards come with an introductory bonus offer - Cashback Match™. Thus, all new cardmembers will get all the cash back they've earned at the end of their first year matched. For example, if you earn $100 cash back during the first year of your cardmembership, you will get another $100 cash back at the end of the year, which will total in $200 cash back for the first year. But this is for the first year only.

Saving On Gas

If you are on the go, the Discover it® Student Chrome may be a better option for you. It will allow you to earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. No sign-ups or activation here. You simply shop and earn cash back. All other purchases will earn 1% cash back automatically.

Apply for Discover it® Student Chrome - Credit-Land.com

Rating 5.0

APPLY NOW

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
18.24% - 27.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Redemption Options

Redeem your rewards for cash at any time.

Rewards never expire.µ

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
18.24% - 27.24% Variable APR

0% Intro APR

Another rare benefit among credit cards for students - a zero introductory interest rate. Both Discover student credit cards come with 0% Intro APR for 6 months on purchases. The introductory period is not super long, but enough to get used to your new credit card or to prepare for a new school year. When the 0% intro APR is over, the ongoing APR will be 18.24% - 27.24% Variable APR.

Low Fees

Both Discover student credit cards come with $0 annual fee, which is quite common for student credit cards. In addition to no annual fee, the cards have no foreign transaction fees. The average fee for purchases in a foreign country or in a foreign currency is usually around 3%, which can add a lot to your bill. So, if you travel abroad on vacations or planning a trip abroad, the no foreign transaction fee feature will help you to save on credit card purchases.

Credit Tools

Discover provides a free FICO Score to primary cardmembers on their monthly statements. Knowing your FICO credit score, you will be able to see if your credit score goes up and down and act quick if it falls.

Another good benefit that is available to Discover cardholders is Freeze it®. This feature allows you to temporarily deactivate your card with the Discover mobile app or online. When you freeze your card, any new purchases, cash advances or balance transfers won't be processes. However, you will still need to make all payments associated with the account. You can unfreeze your account any time, and continue using your credit card.

Student Credit Card Requirements: Getting Approved For A Student Credit Card

While it is relatively easy to get approved for a student credit card than other cards, there still are some minimum approval requirements.

You may have little or no credit history, or little or no FICO score and still be approved for a student credit card. However, you should meet these minimum requirements:

- Be a student over the age of 18

- Be a US resident or citizen with a Social Security Number

- Have verifiable income or a part-time/full-time job

- Have no bad marks on your credit reports

Today many issuers do not allow co-signers, and Discover is one of them, so if you are planning to apply with a co-signer, you will need to look for issuers who allow co-signers. Generally, if you haven't made any credit mistakes yet and have proof of income, there should not be any problems with qualifying for a student credit card.

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questionsABOUT
CREDIT CARDS

I’m only 18 but I want to build my credit. Which card should I apply?

If you are a student, you can apply for a student credit card. These cards usually have lower rates and fees than traditional cards. They also can have a rewards program that will allow you to earn cash back or bonus...

Read more
I am 17 years old and want to open a credit card to build my credit. I have heard that most companies won’t let me open any accounts because I am under 18. Is that true? If so, how can I start working on my credit before I turn 18? Do you know what credit card I can apply for to build my credit history? Thanks in advance.

You cannot apply for a credit card if you are under 18 years of age. Also, you will need your own income to get approved for a credit card. If you think you are ready for a credit card, you can ask your parents to make...

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I have never had a credit card and want to know if Discover it™ for Students is a good credit card to start out with? Also, I don’t know what it means by APR and if there are any hidden fees with this student credit card.

If you are a student, the Discover it® Student Cash Back credit card is good start. The card has no annual and no activation fee. There are no hidden fees at all, but you should read the terms and conditions to be...

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Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions. All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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