Discover It Student Credit Card: Know the benefits and advantages


The Discover It Student card represents a financial tool specially designed to meet the needs of college students.

In this context, we will explore the main features that make this card a preferred choice for many college students.


Benefits and Perks of the Discover It Student Card

Among the various credit card options available on the market, this one stands out for offering a series of benefits and advantages that go beyond simple access to credit.

Discover It Student Credit Card
  1. Cashback Rewards: The card offers cashback in several categories, allowing students to earn a percentage back on purchases made.
  2. Good Grade Bonus: As an academic incentive, some users may be eligible to receive an annual bonus when they achieve good grades at university.
  3. No Annual Fee: Unlike many credit cards, Discover It Student charges no annual fee, making it an affordable option for students.
  4. Payment Flexibility: The card can offer initial grace for the first late payment, helping students who may forget a due date for the first time.
  5. Free Credit Monitoring: Users can have access to regular credit reports, allowing them to track and understand their credit score.
  6. Fraud Protection: In case of unauthorized purchases, the card offers a robust fraud protection system.
  7. Account Freezing: Cardholders have the option to temporarily freeze their account, providing an additional level of security.
  8. 24/7 Customer Service: Cardholders have access to customer support at any time of the day or night.
  9. Global Acceptance: Despite being less common compared to other brands, Discover is accepted globally in many establishments.
  10. Credit Reconstruction: For students looking to build or improve their credit history, Discover It Student can be a valuable tool as it regularly reports payment activity to the major credit bureaus.

These are just some of the benefits associated with the Discover It Student card. It is designed with students’ needs in mind and consequently offers features that can be beneficial to this specific demographic.


Minimum income

The minimum income required for the Discover it Student card is $2,500 per month. Additionally, the student must be enrolled in an institution of higher education accredited by the U.S. Department of Education and be at least 18 years of age.


No, the Discover It Student card has no annual fee. It’s a free credit card for college students that offers cash back rewards on rotating purchases.






Discover it Student card fees are as follows:

  • Interest rate:
    • Regular Rate: 14.99% to 24.99% APR.
    • Introductory Interest Rate: 0% APR on purchases and balance transfers for six months.
  • Late fee: 40% of the amount of the outstanding installment.
  • Installment interest rate: 26.99% APR.
  • Cash Advance Interest Rate: 26.99% APR.
  • Balance transfer interest rate: 3% of the amount transferred.


The app offers users a clear and concise view of their finances, enabling efficient and transparent management of spending, balances and rewards.

Discover It Student Credit Card

In addition to viewing transactions and balances in real time, users can also enjoy the ability to make payments, transfer funds and even freeze their card if it is lost or stolen.

A special highlight is the rewards section, where cardholders can easily track and redeem their accumulated points.

How to download

Android devices

  •  Access the Google Play Store ;
  • In the search bar, type “Discover IT”;
  • Click on the official application and press the “Install” button.

iOS devices

  • Go to the App Store ;
  • In the search bar, enter “Discover IT”;
  • Locate the official app in the results list and click the download button.

After installation, open the app and log in using your Discover bank credentials. If you don’t already have an online account, follow the instructions to create one.

With the Discover IT bank app at your fingertips, keeping up to date with your finances has never been so easy and intuitive. Whether you want to quickly check a balance or make an urgent payment, this app offers the perfect solution for all your digital banking needs.


The Discover it Student bank contact number is 1-800-347-2683. You can call this number 24/7 to speak to a bank representative.

From educational rewards to friendly features for those building a credit history, Discover It Student demonstrates a commitment to supporting students on their financial journey, encouraging fiscal responsibility while providing tangible benefits.