Credit Cards Information: Discover it® for Students

Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & FICO^® Credit Scores for free on statements & online.
Freeze It^SM on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.

0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
Click "APPLY NOW" to see rates, rewards, FICO^® Credit Score terms, Cashback Match^TM details & other information.

Sign-Up Offer

Product Description

The information shown on this page is provided by the financial institution and is believed to be accurate at the time of posting (September, 2016). Please click "Apply Now" above to see the most up to date terms and conditions.

Annual Percentage Rate
Purchase APR	13.24% - 22.24% (Variable)*
Balance Transfer APR	13.24% - 22.24% (Variable)*
Cash Advance APR	25.24% (Variable)*
Penalty APR	None
Overdraft APR	N/A
Fees
Annual Fee	None
Balance Transfer Fee	3% of the amount of each transfer
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee	None
Late Payment Fee	None the first time you pay late. After that, up to $37
Return Payment Fee	Up to $37
Over-the-Credit-Limit fee	None
Other Information
Rewards Type	Cash back
Issuer	Discover
Network	Discover
Application Eligibility	To be eligible for the Discover Student Credit Card you must be a college student.
Minimum Credit Quality (What's This)	Fair

Additional Details & Restrictions

* Intro purchase APR is 0% for 6 months from the date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by 11/10/2016; then the standard purchase APR applies. Standard purchase APR: from 13.24% variable to 22.24% variable depending on your creditworthiness. Cash APR: 25.24% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: $.50. Cash advance fee: 5%, min. $10. Balance transfer fee: 3% Annual Fee: $0. Rates as of 7/31/2016. When we evaluate creditworthiness, we consider your credit report, all the information you provide and other information. Customers with the best credit profiles receive the lowest rate. Other customers receive higher rates and may be offered an account with different rates or terms, including no introductory rates or rewards incentives. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

* REWARDS: We will send full terms and conditions with your card. Each quarterly 5% program has a cap on category purchases and you must sign up for each program. The amount of the cap may change. 5% category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Rewards have no expiration. We will credit your Account with your Cashback Bonus balance if your Account is closed or if you have not used it within 18 months. Redemption may not be available for approximately 24-48 hours if your card is reported lost or stolen. Call 1-800-347-3085 for more details.

* Sign up to earn 5% Cashback Bonus on up to $1,500 in purchases made at Home Improvement Stores and at Amazon.com from 7/1/16 (or the date on which you sign up, whichever is later) through 9/30/16. Home Improvement Stores are defined as home improvement retail stores, lumber/building material stores, paint/wallpaper stores, hardware stores and lawn and garden supply centers. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of Amazon.com Inc. or its Affiliates.

*Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it^(R) or Discover it^(R) chrome card who have a GPA of 3.0 or higher(or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 Cashback Bonus ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Offer are subject to change.

* FICO^(R) Credit Score Terms: Your FICO^(R) Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is provided on the statement for individual accounts and on Discover.com with key factors for individual and joint accounts. You will see up to a year of recent scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO^(R) Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

* Cashback Match^TM:After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you’ve earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You’ve earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

* Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

Important Information from Amazon

The information provided is for summary purposes only and at the time of posting is believed to be accurate. When you click on the Apply Now button you can review the current credit card and rewards terms and conditions on the financial institution's web site. Amazon is not a financial service provider and does not have any information in respect of your financial situation, your credit history or your suitability for any credit card. Please review the terms and conditions of each credit card and rewards offer carefully to determine what product may be best suited for you and your financial circumstances.

Amazon will not assist you in obtaining a credit card and does not guarantee or represent that you will receive credit.

*Amazon.com Gift Cards: Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington corporation. For complete terms and conditions, see http://www.amazon.com/gc-legal. No expiration or service fees.