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Sample Size: 142
Data Created: May 01, 2012
Offer Details for Discover® Student Card
| Introductory APR |
Regular APR |
Balance Transfer Intro APR |
Balance Transfer Regular APR |
| 9 Months | as low as | ||
| 0% | 12.99% – 18.99%* Variable |
Not Applicable |
Not Applicable |
company overview
Discover Card, offering credit card types ranging cash rewards, miles, business, prepaid, rewards, debit, and student cards, are issued by Discover Bank and transactions processed by the Discover Network payment network. Discover is considered the pioneer for credit card cash rewards with its "Cashback Bonus" program, one of the most popular cash reward programs to this day. Discover Bank is a subsidiary of Discover Financial Services, which also owns the payment processing businesses Pulse, a leading national ATM/debit network, as well as Diners Club International, which is accepted in more than 185 countries and territories.
Established in 1986, Discover Financial Services is one of the largest banking and payment companies in the U.S and the third largest national credit card brand.
Most Popular Comment
I was declined for not having enough revolving credit history...on a student card. How can they call it a student card? CK TransRisk score of 633.
rabidbullfrog 1 month ago
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Just got approved with a 705 CK // 698 Vantage, and I 660-670 (66x I forget the number exactly) for experian with 5 hard inquires prior to this card. Not sure of CL yet, but I have a Capital One card as well I got that now has a 500 limit, 6 or 7 month avg credit life for the one card, haven't missed a payment. Hope this helps.
iimax225 2 weeks ago
I was denied with a CK TransRisk score of 665. The reason provided was: "INSUFFICIENT CREDIT EXPERIENCE" I'm a student and filled out all my college information, so I'm not really sure who exactly this card is meant to be for. I was hoping to use it as a start to building credit.
mariettia 3 weeks ago
I've used this card for about 3 years now, I applied for it when I was a freshmen in college and got approved with a $300 credit. I've used it responsibily and paid my credit in full every month. Credit limit of $6000 on it now. Credit Karma score of 757 right now. I pay my balance in full every month and enjoy the cashback that it provides. Customer service is good for a credit card company and I have had no promblems with them. All in all excellent starter card for kid going to college.
lvlaantothemere 3 weeks ago
I was declined for not having enough revolving credit history...on a student card. How can they call it a student card? CK TransRisk score of 633.
rabidbullfrog 1 month ago
do not apply if you dont have have excellent credit, they denied by application and I have a FICO score of 615
Anonymous 2 months ago
This is a great card. I received it in April 2011 after applying for it and getting approved without a cosigner (I had enough income to do so). They approved me for a $500 limit and 0% APR for 12 months, which allowed me to start building my credit. I did stumble for a bit financially, but I have never been late on payments, paid at least the minimum payment and sometimes made multiple payments in a month to keep the balance down. Currently, my Transrisk score is 692 because of this. Discover customer support is great, their Cash Back program is unmatched, and while their APRs aren't the lowest, they certainly do have a lower range than some cards I looked at. It is a student card, so keep that in mind; if you're not a student, you may not get approved. Overall, a great card for a student looking to start on the road towards great credit.
greatman05 2 months ago