Student Credit Card Discover – How to Apply

Student Credit Card Discover, is a great card for first-timers, with excellent cashback if spent in its rotating categories. Discover offers two credit cards for students. They are; The Discover it® Chrome for Students and Discover it® Student Cash Back.

Student Credit Card Discover

The basic difference between both cards is the cashback you earn on the Discover it® Student Cash Back.

In comparison, the Discover it® Student Cash Back wins over Discover it® Chrome for students, which is why we will dwell more on the Discover it® Student Cash Back in this article.

Good For

Students who are new to credit cards who spend in the card’s rotating cash-back categories
Those who are new to credit
Those who have a fair credit score of 580 or higher.

Student Credit Card Discover Features

The following, are the basic benefits that cardholders enjoy as they apply for, and get the card:

No annual fee
Limited-time bonuses, like cashback matches and good grades reward
Intro APR, for purchases and balance transfers
Students can use their cashback at Amazon.com
Designed with consumer-friendly account features
Shop abroad with ease with no foreign transaction fees
Get your FICO score for free

With these benefits, making purchases with your card becomes more profiting.

Things You Should Know Before You Apply

Here are the basic requirements that an intending cardholder needs to meet to be able to successfully apply for the card:

You must be at least 18 years of age
Must be a college student
Be a US citizen or resident

Information Needed

Full name, address, and contact information
Total annual gross income, monthly housing payment, and total available assets
Social Security number and mother’s maiden name
School info, your degree type, and your expected graduation date.

What Credit Score Do I Need?

Customers with no credit are welcome by Discover. Those who have poor credit may not be approved for the card.

Student Credit Card Discover Application

After meeting the above-mentioned requirements, you can use the following application steps to apply:

Visit the Discover website, and tap on the “Apply Now” tab
Key in your name and choose a card design
Complete the application form by filling in your address, contact info, as well as your income information
Enter also your mother’s maiden name, school information, checking and savings account information, and school mailing address.

Thereafter, you can wait for a response from the card issuer.

Frequently Asked Questions

How long will it take to get my Discover it® Student Cash Back?

An applicant can likely get a decision immediately after he/she applies. In case you have issues with your application, you may have to wait up to a few weeks for a decision.

Once you are approved, you can expect to get the card within 7 to 10 business days.

Can I use a student credit card anywhere?

Yes, you can. Use your card anywhere Discover is accepted because it’s a normal credit card.

Do I need a co-applicant when I apply for this card?

No, you do not need a co-applicant except Discover asks for one. You may need one if your income or credit score is not enough.

Do I still need to make payments on my card during my intro APR period?

Yes, you’ll be required to make at least the minimum payment each month to avoid delinquency on your card payments.

Student Credit Card Discover Customer Service Number

Contact the customer care unit by calling at 1-800-DISCOVER, for enquires on Student Credit Card Discover.