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Discover It® Student Credit Card Review

Discover it® for Students
Card Category: Student
Card Type: Unsecured
Credit Needed: Fair Credit
Card Rating:
Discover Financial Services Inc. is the third largest credit card provider company in the United States. It has an estimated 50 million card holders in the United States. The Discover Inc. issues Discover card and operates Discover and Pulse Network. The Discover Inc. is only credit card company with limited operations still competing with international credit card brands such as Visa, MasterCard, and American Express. Discover recently purchased Diners Club from CitiBank for $165 Million. Discover It Student Credit Card is the most successful student card and a product of Discover in the United States.

Discover It Student Credit Card Details


  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.100
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.100
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.100
  • No annual fee. No late fee on first late payment. No APR change for paying late.100
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.100
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.100
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.100
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.100


Max. Rewards: 5% cash back in new bonus categories each quarter like gas, restaurants, and more, up to the quarterly maximum each time you activate100
Sign-up Bonus: No


Purchase Intro APR: 0% (6 months)100
Purchase Regular APR: 13.24% - 22.24%100
Cash Advance Fee: See terms
Cash Advance Regular APR: 25.24% Variable100
Balance Transfer Intro APR: 10.99% (6 months)100
Balance Transfer Regular APR: See terms
Balance Transfer Fee: 3%100
Annual Fee: $0100

Discover It Student Credit Card Benefits

Discover It Student Credit Card has numerous benefits for students, you can integrate the credit card with your bank with freedom to spend when you have no money on board either it's for paying off your college hostel bills, travel expenses, or for purchasing books online, or your annual school or college fee. The Discover It Student Credit Card offers a complete financial independence to the students with full access to spend and have a full check and balance on what you spend. It provides special privileges to the students with higher grades or CGPA. The credit card offers free $20 voucher to every student having CGPA above 3.0 or equivalent.

The card has low credit limits, rewards including cash back, points, air miles 0%, fraud liability guarantee with an active security check system, automatic bill payment option, and spend analyzers to maintain the credit limit. The 5% cash back bonus reward that changes quarterly is one of the best things about Discover It Student Credit Card.

Discover It Student Credit Card Drawbacks

The cash advance APR is 24.99%, for students is quite high to recover the amount along with a high APR. Some small retail stores do not accept Discover It Student Credit Card, a thing you must check in your area before applying for Discover It Students Credit Card. The 0% introductory APR only apply to the purchases made, it does not apply to the fund transfers. The card may cause complications for lazy students. With high-interest rates, submitting late bill payments may result in a huge interest that may cause financial difficulties for students.

Contact Information

The help center program of Discover It Student Credit Card is of the best in the US.

Call 1-800-347-2683 for any Discover it Student Credit Card related query 24/7.

For general inquiries about Discover It Credit, send a letter to the following address:

Discover Financial Services
P.O. Box 30943
Salt Lake City, UT 84130-0943

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