Advertiser Disclosure

Discover it® for Students

Apply Nowon Discover’s secure website.
Apply Nowon Discover’s secure website.

Discover it® for Students

Recommended credit score

Discover it® for Students

Annual Fee


Waived first year

Rewards Rate



Card details

  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations,, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

APR, Variable

APR: 13.74% - 22.74% Variable APR

Cash Advance APR: 25.74%, Variable


  • Qualify with average credit
  • Bonus cash back categories
  • No annual fee
  • 0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months
  • No foreign transaction fee

Rewards rate


Annual fee


Intro APR

0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months

Nerdwallet Review

Author: Virginia C. McGuire

This card gives you 5% cash back in quarterly rotating categories that you activate, on up to $1,500 in spending per quarter, and 1% cash back on all other purchases. Historically, bonus categories have included student-friendly options such as restaurants, movie theaters and purchases.

Other great features include a $20 rewards bonus each year if you maintain a 3.0 GPA, free access to your FICO score, and an annual fee of $0. If you're planning to study abroad, the card has no foreign transaction fees, but Discover's acceptance abroad is fairly limited.

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