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Discover® Student Card

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  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, movies and many more
  • Customer Service in less than a minute, anytime you want
  • *See the online Discover credit card application for details about terms and conditions.

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Card at-a-glance

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Rates & Fees Summary:

  • Intro purchase rate: 0%
  • Purchase rate: 14.99%
  • Intro balance transfer rate: N/A
  • Balance transfer rate: N/A
  • Annual Fee*: N/A
  • Balance transfer fee*: N/A

Rewards Summary:

  • Sign-up Bonus: N/A
  • Base earning rate: 0.25%
  • Max earning rate: 5%
  • Bonus Categories: Warehouse Clubs, Cruises, Groceries, Restaurants, Home improvement, Car Rentals, Gas Stations, Entertainment, Hotels, Airfare
  • Total Earning Limit: None
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.

Card rates and fees

Select a credit rating to view corresponding estimated rates:
Purchase rate* 0% 14.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 18.99% (variable)
Purchase rate* 0% 14.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 18.99% (variable)
Purchase rate* 0% 14.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 18.99% (variable)
Purchase rate* 0% 14.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 18.99% (variable)
Purchase rate* 0% 14.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 18.99% (variable)
Annual Fee* $0.00
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.
Rewards
Rewards Program Features  
Rewards Program Cashback Bonus
Reward Units Cash
Rewards Expiration None
Total Earning Limit None
Airfare 5% per each $1 spent up to $800 from 1/1/09 to 3/31/09, 5% per each $1 spent up to $800 from 1/1/10 to 3/31/10, 5% per each $1 spent up to $800 from 1/1/11 to 3/31/11, 5% per each $1 spent up to $800 from 1/1/12 to 3/31/12, 5% per each $1 spent up to $800 from 1/1/13 to 3/31/13, 5% per each $1 spent up to $800 from 1/1/14 to 3/31/14
Car Rentals 5% per each $1 spent up to $800 from 1/1/09 to 3/31/09, 5% per each $1 spent up to $800 from 1/1/10 to 3/31/10, 5% per each $1 spent up to $800 from 1/1/11 to 3/31/11, 5% per each $1 spent up to $800 from 1/1/12 to 3/31/12, 5% per each $1 spent up to $800 from 1/1/13 to 3/31/13, 5% per each $1 spent up to $800 from 1/1/14 to 3/31/14
Cruises 5% per each $1 spent up to $800 from 1/1/09 to 3/31/09, 5% per each $1 spent up to $800 from 1/1/10 to 3/31/10, 5% per each $1 spent up to $800 from 1/1/11 to 3/31/11, 5% per each $1 spent up to $800 from 1/1/12 to 3/31/12, 5% per each $1 spent up to $800 from 1/1/13 to 3/31/13, 5% per each $1 spent up to $800 from 1/1/14 to 3/31/14
Entertainment 5% per each $1 spent up to $300 from 7/1/09 to 9/30/09, 5% per each $1 spent up to $400 from 10/1/09 to 12/31/09, 5% per each $1 spent up to $300 from 7/1/10 to 9/30/10, 5% per each $1 spent up to $400 from 10/1/10 to 12/31/10, 5% per each $1 spent up to $300 from 7/1/11 to 9/30/11, 5% per each $1 spent up to $400 from 10/1/11 to 12/31/11, 5% per each $1 spent up to $300 from 7/1/12 to 9/30/12, 5% per each $1 spent up to $400 from 10/1/12 to 12/31/12, 5% per each $1 spent up to $300 from 7/1/13 to 9/30/13, 5% per each $1 spent up to $400 from 10/1/13 to 12/31/13, 5% per each $1 spent up to $300 from 7/1/14 to 9/30/14, 5% per each $1 spent up to $400 from 10/1/14 to 12/31/14
Gas Stations 5% per each $1 spent up to $300 from 7/1/09 to 9/30/09, 5% per each $1 spent up to $300 from 7/1/10 to 9/30/10, 5% per each $1 spent up to $300 from 7/1/11 to 9/30/11, 5% per each $1 spent up to $300 from 7/1/12 to 9/30/12, 5% per each $1 spent up to $300 from 7/1/13 to 9/30/13, 5% per each $1 spent up to $300 from 7/1/14 to 9/30/14
Groceries 5% per each $1 spent up to $400 from 10/1/09 to 12/31/09, 5% per each $1 spent up to $400 from 10/1/10 to 12/31/10, 5% per each $1 spent up to $400 from 10/1/11 to 12/31/11, 5% per each $1 spent up to $400 from 10/1/12 to 12/31/12, 5% per each $1 spent up to $400 from 10/1/13 to 12/31/13, 5% per each $1 spent up to $400 from 10/1/14 to 12/31/14
Home improvement 5% per each $1 spent up to $400 from 4/1/09 to 6/30/09, 5% per each $1 spent up to $400 from 4/1/10 to 6/30/10, 5% per each $1 spent up to $400 from 4/1/11 to 6/30/11, 5% per each $1 spent up to $400 from 4/1/12 to 6/30/12, 5% per each $1 spent up to $400 from 4/1/13 to 6/30/13, 5% per each $1 spent up to $400 from 4/1/14 to 6/30/14
Hotels 5% per each $1 spent up to $800 from 1/1/09 to 3/31/09, 5% per each $1 spent up to $300 from 7/1/09 to 9/30/09, 5% per each $1 spent up to $800 from 1/1/10 to 3/31/10, 5% per each $1 spent up to $300 from 7/1/10 to 9/30/10, 5% per each $1 spent up to $800 from 1/1/11 to 3/31/11, 5% per each $1 spent up to $300 from 7/1/11 to 9/30/11, 5% per each $1 spent up to $800 from 1/1/12 to 3/31/12, 5% per each $1 spent up to $300 from 7/1/12 to 9/30/12, 5% per each $1 spent up to $800 from 1/1/13 to 3/31/13, 5% per each $1 spent up to $300 from 7/1/13 to 9/30/13, 5% per each $1 spent up to $800 from 1/1/14 to 3/31/14, 5% per each $1 spent up to $300 from 7/1/14 to 9/30/14
Restaurants 5% per each $1 spent up to $400 from 10/1/09 to 12/31/09, 5% per each $1 spent up to $400 from 10/1/10 to 12/31/10, 5% per each $1 spent up to $400 from 10/1/11 to 12/31/11, 5% per each $1 spent up to $400 from 10/1/12 to 12/31/12, 5% per each $1 spent up to $400 from 10/1/13 to 12/31/13, 5% per each $1 spent up to $400 from 10/1/14 to 12/31/14
Warehouse Clubs 0% per each $1 spent, 0.25% per each $1 spent
All Other Purchases 0.25% per each $1 spent up to $3,000, 1% per each $1 spent above $3,000.01
Features and Benefits
Category Student
Network Discover
Min Credit Level No Credit
Instant Approval No
No Annual Fee Yes
Rewards Program Yes
Grace Period 25 days
Method For Computing Balance Average Daily Balance
Universal Default No
Revolving Credit Yes
Secured Card No
Timely e-mail reminders to help you avoid fees
Easy online servicing options that put you in control
Cashback Bonus on every purchase
Shop protected with Secure Online Account Numbers
$0 Fraud Liability guarantee and advanced fraud early warning alerts
Live phone support within 60 seconds, guaranteed
Choose the card design that fits your style
Easy online account management
Fraud specialists dedicated to helping you 24/7
Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
Protection from arbitrary rate increases
The right to have rates reviewed and reduced
Fair allocation of payments
No universal default
No double-cycle billing
No fees for paying your bill
Protection from due date gimmicks
Enough time to pay your bill
Education on dangers of minimum payments
Protection of young cardholders
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