Discover the advantages of the Discover It Student card


The Discover It Student Credit Card is designed specifically for college students who want to build their credit history while enjoying a range of benefits tailored to their unique needs. This card stands out in the financial market for its student-friendly features, including no annual fee, cash-back rewards on purchases, and a special cash-back bonus for good academic performance.  Plus, it offers an introductory APR period, making it a cost-effective option for students managing their finances.

The card also emphasizes security and convenience, with features like an on/off freeze button and free Social Security number alerts. This article aims to provide an unbiased overview of the Discover It Student card, highlighting its key features and potential benefits for students entering the world of credit.

Discover the Discover It Student card


The Discover it Student card is a great option for students looking to build a credit history and earn cash rewards on their everyday purchases. It offers a rewards program of 5% cash back in rotating categories, up to $1,500 on quarterly purchases, plus 1% cash back on all other purchases. The card also has no annual fee, which makes it even more attractive.

Discover It Student

How to request?

Applying for the Discover It Student Card is a straightforward process, designed to be accessible and convenient for students. Here’s a step-by-step guide to help you through the application process:


Application Process:

  • Online: Visit Discover’s official website and navigate to the student credit cards section.
  • Fill in the Application: Enter all the required details in the application form.
  • Review: Double-check the information for accuracy.

Credit History Check:

  • Discover will perform a credit check to assess your creditworthiness. As a student card, requirements are typically more lenient.

Wait for Approval:

  • Instant Approval: In some cases, you might get an immediate response.
  • Additional Review: If more time is needed, Discover will notify you of the decision within a few weeks.


  • Once approved, you will receive your card in the mail.
  • Activate the Card: Follow the instructions provided with the card to activate it.

Set Up Online Access:

  • Register for an online account to manage your card, view transactions, and pay bills.

Download the Mobile App:

  • For convenience, download Discover’s mobile app to manage your account on the go.

Remember, applying for a credit card is an important financial decision. Ensure that you understand the terms and conditions, and consider your ability to manage credit responsibly. The Discover It Student Card can be a valuable tool for building credit and managing finances during your college years.

Discover It Student Card Benefits

The Discover Student Credit Card offers a unique combination of features suited to meet students’ financial needs and goals. Let’s explore what makes this card a suitable choice for those embarking on their credit journey. Not only does it assist with financial management, but it also lays a solid foundation for good credit habits, making it an attractive option for students across the country.

  1. Cash Back Rewards: Students earn cash back on every purchase, which can add up to significant savings over time. The card often features higher cash back rates in rotating categories each quarter.
  2. Good Grade Reward: Incentivizing academic success, Discover offers a special cashback bonus for students who maintain a high GPA.
  3. Introductory APR: The card typically comes with an introductory 0% APR period, allowing students to make larger purchases and pay them off over time without incurring interest.
  4. Credit Building Tool: With responsible use, the Discover It Student Card can be an excellent tool for building a credit history, which is crucial for future financial endeavors like renting an apartment or buying a car.
  5. Security Features: The card includes security measures such as a freeze on/off switch to prevent new purchases, and free alerts if your Social Security number is found on any of thousands of Dark Web sites.
  6. User-Friendly Mobile App: The Discover mobile app allows students to manage their accounts conveniently, check their balance, view transactions, and redeem rewards.
  7. U.S.-Based Customer Service: Discover is known for its excellent customer service, with readily available assistance to help students with any queries or issues.
  8. Flexible Payment Options: The card provides flexibility in payment due dates, which can be helpful for students managing multiple responsibilities.

Who Can Apply for the Credit Card

Eligibility Check:

  • Age: You must be at least 18 years old.
  • Student Status: Provide proof of enrollment in a college or university.
  • SSN: Have a Social Security Number.
  • U.S. Address: A permanent U.S. address is required.

Gather Necessary Information:

  • Personal Information: Full name, date of birth, and Social Security Number.
  • Contact Details: Phone number and email address.
  • Financial Information: Annual income and monthly rent or mortgage.
  • School Information: Name of your college, expected graduation date.

Does the card have a free annual fee?

No. A major advantage, especially for budget-conscious students, is the absence of an annual fee, making it a cost-effective choice.

Does Discover It Student have an app?

Yes, the Discover It Student Card is supported by a user-friendly mobile app, enhancing the convenience and accessibility of managing the card for students. Is available for both iOS and Android devices, making it accessible to a wide range of smartphone users. Discover more of the app’s benefits.

Account Management Features

  • View Balance and Transactions: Easily check your current balance and review recent transactions.
  • Make Payments: Securely pay your credit card bill directly from the app.
  • Redeem Rewards: Monitor and redeem your cash back rewards.

Security Tools

  • Freeze Account: Temporarily freeze your card if it’s lost or misplaced, preventing new purchases, cash advances, and balance transfers.
  • Account Alerts: Set up custom alerts for account activity, payment reminders, and security notifications.

Credit Monitoring

  • Credit Scorecard: Access your Credit Score for free, which is especially beneficial for students building their credit history.

Customer Support

  • Reach out to customer service directly through the app for any inquiries or assistance.


  • Personalize notifications and settings to match your preferences and lifestyle.

Ease of Use

  • The app is designed with a simple, intuitive interface, suitable for those new to managing credit.

The Discover mobile app is a significant feature for student cardholders, offering the flexibility and control needed to manage finances effectively while on the go. It empowers students with real-time access to their credit card account, aiding in responsible credit usage and financial planning.

What are the fees and interest on the Discover It Student card?

Understanding the fees and interest rates associated with the Discover It Student Card is crucial for effective financial management. Here’s a detailed overview:

Interest Rates

  • Purchases: The card typically offers an introductory 0% APR on purchases for a specified period post-activation. After that, a standard variable APR applies.
  • Balance Transfers: There’s often an introductory APR offer for balance transfers as well. Post-introductory period, a standard variable APR is charged.
  • Cash Advances: A separate APR, usually higher than that for purchases, is applied for cash advances.

Other Fees

  • Balance Transfer Fee: A fee may be charged for each balance transfer, calculated as a percentage of the amount transferred.
  • Cash Advance Fee: This is either a flat fee or a percentage of the cash advance amount.
  • Late Payment Fee: Missing a payment can result in a late payment fee. However, Discover is known for its policy of waiving the first late payment fee.
  • Returned Payment Fee: A fee may be incurred for returned payments.

Foreign Transaction Fees

  • One of the advantages of the Discover It Student Card is its lack of foreign transaction fees, making it a good choice for students studying abroad or traveling.

APR for Good Grades

  • Discover offers a unique feature where students can receive a lower APR as a reward for maintaining good grades.

It’s important to note that these fees and interest rates are subject to change and may vary based on creditworthiness and market conditions. Cardholders are advised to read the terms and conditions carefully and stay updated with any changes in the fee structure.

The Discover It Student Card’s competitive fee and interest structure make it a compelling choice for students looking to build credit while keeping costs low.

How to unlock the card?

If your Discover It Student Card has been locked, either for security reasons or because it was misplaced, unlocking it is a straightforward process. Here’s how you can unlock your card:

Via Discover Mobile App

  • Download and Log In: If you haven’t already, download the Discover mobile app and log in to your account.
  • Navigate to Card Management: Find the section for managing your card’s security features.
  • Unlock Feature: Use the ‘Unlock Card’ option to reactivate your card.

Online Through Discover’s Website

  • Account Access: Log in to your account on the Discover website.
  • Security Settings: Go to the security settings or card management section.
  • Reactivate Card: Follow the prompts to unlock your card.

Contact Customer Service

  • If you’re unable to unlock the card through the app or website, or if you suspect fraudulent activity, contact Discover’s customer service.
  • Phone Support: Call the number on the back of your card or the customer support hotline.
  • Verification: Be prepared to verify your identity for security purposes.

Temporary vs. Permanent Lock

  • Determine if the card is temporarily locked (e.g., due to a misplaced card) or permanently blocked (due to suspected fraud).
  • For permanent blocks, you may need to go through additional security checks or possibly get a new card issued.

Follow Up

  • After unlocking, monitor your account for any unauthorized transactions.
  • Consider changing your PIN or password for added security.

Preventive Measures

  • Regularly monitor your account.
  • Activate alerts for unusual activity.

Unlocking your Discover It Student Card is generally a quick and simple process. However, it’s essential to maintain vigilant monitoring of your account to ensure your financial security.

How do I request a duplicate of the card?

Requesting a duplicate of your Discover It Student Card is an easy and straightforward process, designed to be convenient for students. Here are the steps to follow:

Determine the Need for a Duplicate

Lost or Stolen Card: If your card is lost or stolen, you should request a duplicate immediately.

Damaged Card: If your card is damaged but still in your possession, a duplicate can replace the unusable card.

Contact Discover

Via Phone: Call Discover’s customer service using the number provided on their website or the back of your card. This is often the fastest way to request a duplicate.

Online: Log in to your Discover account on their website and navigate to the card management or support section.

Request a Replacement

Inform the customer service representative of your situation, or follow the prompts online to report your card as lost, stolen, or damaged.

Verify your identity and provide any necessary information to process the request.

Confirm Shipping Address

Ensure that Discover has your current address on file, especially if you’ve recently moved.

Expedited Shipping Options

Ask about expedited shipping if you need the replacement card quickly. There may be additional fees for this service.

Activation of New Card

Once you receive the duplicate card, you will need to activate it. This can typically be done online or over the phone.

Update Automatic Payments

If your card number changes, remember to update any automatic payments linked to the original card.

Dispose of the Old Card

If you find your old card after receiving the duplicate, destroy it to protect your account information.

Discover aims to make the process of obtaining a duplicate card as hassle-free as possible. It’s important to act quickly if your card is lost or stolen to protect your account from unauthorized use.

How do I contact you about the Discover It Student card?

There are several ways to contact Discover about your Discover it Student card, depending on your preference:


  • Customer Service: 1-800-DISCOVER (1-800-347-2683) This is the quickest and most direct way to speak to a Discover representative about your card. They are available 24/7.
  • Discover Student Deposits Program: 1-800-767-7344 If you have questions about the Discover Student Deposits program, you can call this dedicated line. They are available Monday-Friday, 8:00 AM – 8:00 PM CT.

Secure Message Center

  • Log in to your Discover online account. You can send a secure message to Discover through their online portal. This is a good option if you don’t need immediate assistance and prefer to communicate in writing.

Social Media

  • Twitter: @Discover_Cards
  • Facebook: @DiscoverCard
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