The www.getdiscoverstudent.com site is for consumers interested in applying for a Discover Student IT credit card. We’ll review the benefits you can expect from the card including how to apply and more. Continue reading as we go over the following questions:
- What are the Benefits of the Discover IT Student card?
- How to apply for the Discover IT Student?
- How to Check Student Discover IT Card Status?
- What credit score do you need for Discover IT student?
- What is the credit limit for Discover IT student cash back?
- Is Discover it student good for building credit?
What are the Discover IT Student Card Benefits?
Introductory Offer is an unlimited cashback match (Discover automatically match all your cash back earned at year end). It doesn’t matter how much you spend or how much you earn. Just a dollar-for-dollar match.
Earn 5% cash back on everyday purchases at different places each quarter such as Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
You do not need a credit score to apply at getdiscoverstudent.com.
No annual fee
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% -25.74% applies. Rates as of December 15, 2022
How to Apply for Discover IT Student Card?
Consumers that received an offer to apply for the Discover IT Student credit card in the mail have a few options to submit an application. They can refer to the steps to apply online using the exclusive getdiscoverstudent.com website, apply by phone using the toll free phone number, or complete the paper application and mail it back.
How to Apply Online
***You will want to have your offer letter to find the 4 word getdiscoverstudent invitation code. Type in the 4 words then click the orange Start Your Application button.
If you don’t have the offer letter and still want to apply you can refer to the “Click Here to Find Your Offer” link from the application homepage then enter the following:
- Last 4 digits of your social security number
- Indicate if you’re a current student
- Click the orange Find My Offer button
The site will check for offers that you may qualify for.
For applicants that have entered in their 4 word getdiscoverstudent invitation code the next steps are to complete the online application. You will need to enter some of the following personal details:
- Mortgage / Rent amount
- Social security number
- Email address
When you’re finished with the online application click the Submit button and wait for a decision. You will receive an instant decision and if approved extended a Discover Student IT credit card limit. The card will be mailed to your mailing address.
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Check Discover Student IT Card Status
If you do not receive an instant decision after applying your application will need more time for approval. You can always check back at the getdiscoverstudent.com website and click the Already Submitted an application? Check your status link. You will need to enter the following:
- Social security number
- Zip code
- Orange Continue button
After entering you will receive a status update on where your card is in the approval process.
How to Contact Discover IT Customer Service
- Call 1-800-347-3085
Discover credit card account managers are available to answer your questions 24 hours a day, 7 days a week.
You can contact Customer Service online with a secure message or a live chat if you have registered for an online account.
Payment addresses are based upon your current address. Please review the address listed on your periodic statement to ensure your payment is received at the correct location.
PO Box 6103 Carol Stream, IL 60197-6103
PO Box 45909 San Francisco CA 94145-0909
PO Box 70176 Philadelphia, PA 19176-0176
PO Box 71242 Charlotte NC 28272-1242
Customer service – general inquiries
Discover Financial Services P.O. Box 30943 Salt Lake City, UT 84130-0943
What credit score do you need for Discover IT student cash back?
Despite not sharing the minimum credit score required for student credit cards, Discover considers other information in student credit card applications other than credit scores. For students building their credit histories, they offer two of the best credit cards.
- Discover it® Student Cash Back: Available to applicants with limited credit (less than 3 years of credit history).
- Discover it® Student chrome: Available to applicants with limited credit (less than 3 years of credit history).
Having said that, it is not just your credit score that you need to pay attention to before applying at getdiscoverstudent.com. Other factors, such as how your income compares to your debt, your employment status, whether you own or rent your home, and how many loans and lines of credit you already have open, will also be taken into account by Discover.
What is the credit limit on a Discover student card?
There is a $500 minimum credit limit on the Discover it® Student Cash Back card, but some cardholders report limits up to $3,000. Depending on your income and credit history, Discover determines your credit limit.
Does Discover Student Card help build credit?
Yes of course the Discover Student IT credit card helps to build credit particularly if you follow these important rules:
- Make all payments on-time
- Either pay your balance in full, or try to pay more than your minimum each month
- Avoid carrying a balance — meaning you pay your balance in full and on time each month — in order to avoid paying interest on purchase.