Features

Many students haven't established credit profiles, while others have developed a few dents in their financial dealings. The Discover IT for Students card allows students to get off on the right foot in establishing credit or make up for a few mistakes in the past. The Discover IT for Students card also provides generous cash back rewards and other worthwhile benefits that make this a great card for students to carry.

Who Is the Discover IT for Students Card Designed For?

The Discover IT card is designed exclusively for students. It is not intended for business use. Unlike the standard Discover IT card which requires excellent credit to qualify, the Discover IT for Students card is available for students with fair or average credit.

Are There Annual Fees?

There are not annual fees.

Does the Discover IT for Students Card Offer Rewards?

The Discover IT for Students card offers 1 percent cash back on all purchases. In addition, a 5 percent cash back bonus is offered on purchases made in specified categories that change every quarter. There is no limit on cash back and cash back rewards never expire. Cardholders also have free monthly access to their FICO scores.

Are There Foreign Transaction Fees?

There are no foreign transaction fees, so spring break or study abroad won't make an extra pinch in a student's traditionally tight budget.

Are There Late Payment or other Penalty Fees?

The fee for the first late payment is waived. Subsequent late payments and returned payments are assessed fees of $35 each. Cash advances are charged 10 dollars or 5 percent, whichever is larger. However, the Discover IT for Students card has no over limit fees and no penalty APRs, which allows some leeway for occasional slip-ups.

Summary

The Discover IT for Students card provides generous bonus cash back rewards on categories that students are actually likely to use. Its flexibility concerning late fees and over limit fees is also beneficial to students, who, like everyone else, are prone to occasionally overlook things like credit card balances. Especially for students who qualify for lower APRs, the Discover IT for Students card is a great deal.

  • Card Type
    Cash Back Rewards
  • Customer Type
    Student
  • Card Network
    Discover
  • Minimum Age
    18
  • Co-signing Allowed
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    13.24% - 22.24%
  • Transfer Fee
    3%
  • Balance Transfer APR
    13.24% - 22.24%
js-table-filter bizname-discover-it-chrome-for-students
0
js-table-filter ccard-type-222
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12.24
js-table-filter restaurants-142
0
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  • Cashback
  • Gas
  • Points
  • Restaurants
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Purchases APR 12.24%
Balance Transfer APR 11.24%
188
js-table-filter bizname-discover-it-for-students
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter free-fico-score-575
13.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-10
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Free FICO Score
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
152
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There's a lot to love about the Discover it for Students. Sure, it doesn't have all the swag and benefits of the Discover it Chrome for students, but it still has a great rewards program, no annual fee, and a six-month 10.99% APR balance transfer deal.


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