Best Credit Card for Students With Good Grades

Discover it® Student chrome

Discover it® Student chrome

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On Card Issuer’s Secure Website
  • Friendly, helpful customer service reps
  • Great starter card
  • Easily attainable rewards
Card attributes
  • Variable APR
    14.49% - 23.49%
  • Cash Advance APR
    26.49%
  • Rewards Rate
    2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter. Plus, earn unlimited 1% cash back on all other purchases.
  • Annual Fee
    $0
  • Intro APR
    0% introductory APR on purchases for 6 months; 10.99% on balance transfers for six months.
  • Bonus Offers
    Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
Highlights
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit 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 & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.

Our Detailed Review

  • No fee for your first late payment
  • Get a statement credit each year when you have good grades
  • Free access to your FICO credit score as you build credit
  • The APR range is wide with a high maximum
  • Discover isn't widely accepted overseas, so it might not be great for studying abroad
Details

Application Process: Apply online and get a response within 60 seconds.

Rewards: Earn 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter. Plus, earn unlimited 1% cash back on all other purchases.

Bonus Offers: If you maintain a 3.0 GPA or higher, you earn a $20 bonus each year. You can snag this bonus annually for up to 5 years.

APR: 0% introductory APR on purchases for six months and 10.99% introductory APR on balance transfers for six months. After that, 14.49% to 23.49% variable.

Annual Fee: Our favorite price to pay: zero dollars and zero cents!

 

Faveable Giveaway: $100 Amazon Gift Card


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