Overview of the Discover it Student Card
The Discover it Student Card is a credit card built for college students, designed to help build credit while offering benefits such as cash back and automatic reviews for higher credit lines. This guide explains how to apply, what you need, eligibility expectations, and what happens after you apply. It covers both the online and paper application methods and clarifies issuer, network, and benefits so you can make an informed decision.
Eligibility and Basic Requirements
To apply for the Discover it Student Card, you generally need to be at least 18 years old and have valid proof of admission or enrollment in a degree or certificate program. You will typically need to provide your school name, expected graduation date, and your college address. Income requirements are often more flexible for students, but you must demonstrate the ability to make at least the minimum payments. A co‑signer may be allowed if your credit history is limited. You must have a Social Security number and be a U.S. citizen or permanent resident to apply.
Age and Enrollment Verification
Because this is a student card, the issuer usually requires confirmation that you are actively enrolled at an eligible U.S. college or university. You may be asked to upload a student ID or transcript during the application process. These checks help ensure that the card is used in line with its intended purpose.
Credit and Income Considerations
While this card targets students who are building credit, the issuer will still review your credit history and consider your income or household income if you provide it. Students with little or no credit history can still qualify, especially if they have a co‑signer. The issuer may also look at your debt‑to‑income ratio to determine creditworthiness, though student versions are generally more accessible than standard credit cards.
| Attribute | Verified Detail | Source Type |
|---|---|---|
| Minimum Age | 18 years old | Issuer policy |
| Enrollment Requirement | Active enrollment in a degree or certificate program | Issuer terms |
| Credit History | No prior credit history is acceptable | Issuer underwriting |
| Income Consideration | d>Ability to make minimum payments; household income may be consideredIssuer underwriting | |
| Co‑signer Option | d>Allowed for applicants under 21 or with limited credit historyIssuer terms |
Documents You Should Gather Before Applying
Organizing your documents in advance makes the application smoother and can reduce delays. While the exact list may vary slightly depending on whether you apply online or by mail, these items are commonly requested.
- Valid government issued photo ID, such as a driver’s license or state ID
- Social Security number or proof of ineligibility for one
- Proof of enrollment, such as an acceptance letter, student ID, or class schedule
- College address and expected graduation date
- Income information, such as pay stubs, bank statements, or tax returns, if available
- Information for a co‑signer, if you plan to include one
How to Apply Online
The most common method is to apply through Discover’s official website. The process is typically completed in a single session and includes several screens where you provide personal and financial information.
- Go to the Discover it Student Card page on Discover’s official website.
- Click the button to begin the application and create or log into your Discover account.
- Enter personal details, including your name, date of birth, Social Security number, and college information.
- Provide income details, such as the amount you expect to earn from jobs or allowances during the year.
- Review the card terms, including the annual fee (often $0 for students), interest rates, and benefits.
- Submit the application and authorize a credit check, which may result in a hard inquiry on your credit report.
Online Application Tips
Make sure you use a stable internet connection and a secure device. Use your full legal name as it appears on your ID, and double check all entries before submission. If you plan to add a co‑signer, have their details ready as well. Once submitted, you can typically check the status of your application from your Discover account dashboard.
How to Apply by Paper or Phone
If you prefer not to apply online, you can request a paper application by calling Discover’s customer service or visiting a local branch if available. The information you provide will be similar, and a representative will guide you through the form. Completing the application over the phone still requires you to read and consent to the terms before the card can be issued.
Paper Application Considerations
Paper applications may take longer to process than online submissions. They still require valid identification and proof of eligibility. If you choose this route, keep copies of everything you send and note the date you mailed or delivered the application.
What Happens After You Apply
Once your application is submitted, Discover will review your information and may request additional documentation. Most student applicants receive a decision within a short timeframe, though complex cases may take longer. If approved, you will be issued a card with a credit limit tailored to your eligibility.
Review and Decision Timeline
Immediate decisions are common for online applications, with instant or near instant approvals in many cases. If further review is needed, Discover may contact you for more information. You can usually track your application status through your online account or by contacting customer service.
Card Issuance and Activation
After approval, your physical card will be mailed to your designated address, which is often the college address on file. Once received, you must activate the card using the instructions provided, which typically involve calling a phone number or using Discover’s website or mobile app. Set a secure PIN and review the terms of use before making your first purchase.
Understanding Your Card Benefits and Fees
The Discover it Student Card is structured to reward responsible use while keeping costs low for students. There is generally no annual fee for the first year, and introductory offers may include extended 0% APR periods on purchases or balance transfers for qualified applicants. Cash back rewards are typically earned on everyday purchases, rotating categories, and may be matched after the first year. These benefits make it a practical option if you are learning to manage credit.
Fee Overview at a Glance
| Fee Type | Amount or Details | Notes |
|---|---|---|
| Annual Fee | $0 for the first year; then subject to terms | May be waived based on good standing |
| Late Payment Fee | Up to the maximum allowed by state law | Varies by state and circumstances |
| Balance Transfer Fee | 3% of the amount transferred | Subject to minimums and terms |
| Foreign Transaction Fee | 0% | Applies to Discover network transactions abroad |
| Returned Payment Fee | Up to the maximum allowed by state law | May apply if payment is returned for insufficient funds |
Managing Your Application and Timeline
Plan for the entire process—from application to activation—to take a few business days up to a couple of weeks, depending on verification steps. Promptly respond to any requests for additional information from Discover. Once approved, keep your application reference number and confirmation details for your records. If you are denied, you should receive an explanation and steps to improve your chances next time, such as building credit through secured cards or becoming an authorized user.
Responsible Use and Next Steps
After you receive your Discover it Student Card, use it responsibly by paying your balance on time and keeping utilization low. Consider setting up autopay for at least the minimum payment to avoid missed payments. Monitor your credit report periodically to confirm that your account is being reported correctly. As you build credit, you may become eligible for higher credit lines or other cards with better rewards. The student card can be a useful stepping stone toward long term credit health.
Applying for the Discover it Student Card involves understanding eligibility, preparing documents, choosing your application method, and following up until you receive and activate your card. By focusing on accurate information and responsible use, you can make this card a helpful tool for building credit while you pursue your education.