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Discover® Student Card - Clear

Offered by: Discover® Card

45 comments | Comment on this offer

Details

Purchase Intro Rate	0%*
Purchase Intro Period	6 Months*
Balance Transfer Intro Rate	N/A*
Balance Transfer Intro Period	N/A*
Regular APR	14.99%*
Balance Transfer Rate	N/A*
Cash Advance Rate	*
Annual Fee	None
Late Fee	See Terms*
Cash Advance Fee	3%, $5 minimum *
Balance Transfer Fee	3%, $5 minimum *

Discover® Student Card - Clear features:

5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online
Double rewards with more than 100 Cashback Bonus Partners
Customer Service in less than a minute, anytime you want

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

(45 Total Comments)

accepted with a 666 and 2 hard inquiries in the past 2 years...did have to call and verify some information. choosing a design was also a bit confusing but overall went smoothly for my first credit card. read tons of reviews on numerous sites and this card seems to be the best fit for me as a student who plans to not carry a balance and use the card primarily for gas and groceries. also - i preferred cash back to points."

tessah5702 at 8:41 am Jan 4

Approve. CK score 696. Applied on 12/19, a Saturday. Needed further processing then. On 12/21, a phone call came and I was approved."

peidekun at 3:37 pm Dec 21

Great to hear. Thank you for sharing your experience with the community.

CK Moderator

Approved 644!"

tiffynicole at 9:41 am Dec 5

My score is 686/702/718 for Tra/Equ/Exp but I have 12 hard inquires (I didn't know that it is very bad to have so many inquires before...). I really want to have a Discover card, however, it seems I will be declined in 0.01 second. Anybody here agrees if I can make it or maybe just wait for 1.5 more years until those inquires are gone..."

Yen_tc at 11:24 pm Nov 28

Denied. As a student. It says this:

EXCESSIVE NUMBER OF RECENTLY OPENED ACCOUNTS

INSUFFICIENT NUMBER OF BANK CARDS WITH A BALANCE

EXCESSIVE NUMBER OF FINANCE INQUIRIES

My school has pulled my credit rating twice... This will bring it up to three... ouch.

Does the second one mean they want me to have prepaid cards?

I haven't opened any accounts for anything recently though, what does that mean I've opened too many??"

Fardreamer86 at 9:00 am Nov 13

Those are generic decline reasons. Most times lenders don't write their own and use standard reasons that don't really mean much. If you got declined for a student card, try a secured credit card or a card from your bank.

CK Moderator

They probably didnt see any checking or savings accounts on your credit report that was opened. They probably also think your trying to overspend by excessive number of finance inquiries since your school pulled it twice.

tsquad131 at 7:24 am Mar 3

approved! cs - 700 but had 4 hard inquiries within the year"

fealka at 8:49 pm Oct 29

660, declined in under 30 seconds. In the interests of full disclosure, I did have an account closed once."

mkmann at 10:46 am Oct 23

No but seriously, how does discover expect people to get approved for this card if they hardly approve anybody!!!! I got denied with a 663 Transunion, 606 Equifax, and 657 Experian. Hey you guys, maybe it has something to do with Innovis???? I heard this is the 4th major bureau. I might want to check into that."

chris91 at 8:54 pm Oct 20

Denied with a score of 663. I haven't seen nobody get approved for this with something below 700"

chris91 at 12:47 pm Oct 16

I got approved and I have absolutely no credit. I just had to confirm I was a student. Credit Karma couldn't even give me a credit score because I had nothing to base the score on, and I still got approved for this card. I'm a sophomore in college and I have no job. I would actually encourage someone who has no credit and is a student to apply for this card, for the simple fact if I can get approved, other people with no credit can also get approved. Good luck!"

shalynn23 at 6:05 pm Oct 9

Comment On This Offer

Credit Score Approval Data

Ideal for those with Fair Credit:

658

AVERAGE Credit Score Approved for this Card

603

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.