7 Requirements You'll Need to Get Approved for the Discover Student Credit Card

The Discover Student Credit Card, formerly known as the Discover IT Student Credit Card, offers students up to $20 cash back on purchases made at Amazon, restaurants and gas stations, as well as other bonus offers such as zero percent APR on balance transfers. To be eligible, you must be 18 years old, have good to excellent credit and enroll in auto bill pay. However, there are some additional requirements to meet before you can get approved for the card. Here are seven of them.

7 Requirements You'll Need to Get Approved for the Discover Student Credit Card

1) Be at least 18 years old

The minimum age requirement for applicants is 18 years old. Applicants must also be a full-time student at an accredited college, university or vocational school in order to qualify. The applicant's cumulative GPA should be 2.5 or higher and they will need a valid email address and telephone number on their application.

2) Have a Social Security number

An important requirement is that you have a Social Security number. You will also need to have a high school diploma or GED, be at least 18 years old, and not be in default on any of your federal student loans.

3) Be a U.S. citizen or permanent resident

Applicants are required to be a U.S. citizen or permanent resident. A Social Security number is also needed, and if you're under 25, you will need a co-signer. In order to qualify for this card, applicants must be enrolled in college at least half time with an average of 12 credits per term, be registered as a full-time student with their school's financial aid office and maintain satisfactory academic progress in order to continue receiving funding.

4) Have a valid driver's license or state ID

To get approved for a credit card, you'll need a valid driver's license or state ID. Other than that, there are no other requirements other than your age and income.

5) Meet the income requirements

1. The applicant must have an annual income that is at least $24,000, or be a graduate student of any academic level with an annual income that is at least $12,000.
2. The applicant must not already have a Discover card and not currently be co-applicant on a Discover card.
3. The applicant must not have an account in collections or bankruptcy status in the past 24 months prior to the date of application.

6) Have a good credit history

One of the requirements for getting approved for a credit card is having a good credit history. Your credit score can make or break your chances of being approved for a card, so it's important to take care of your credit. This includes paying off any balances you have, making payments on time, and not applying for too many cards at once.

7) Be employed or have another source of income

You must be employed at least part of the year, or have another source of income. If you are not employed or do not have a source of income, you will need a co-signer who meets these qualifications.

FAQ

What do you need to qualify for Discover student credit card?

You must be at least 18 years old, enrolled in a two/four year college, a citizen of the United States, and in possession of a Social Security number in order to be eligible for a Discover student credit card. Additionally, you'll need to have independent, verifiable income, such as a side job, and you might need to provide proof of it. Read more

Is Discover Student Card easy to get?

The Discover it Student Card's eligibility requirements are relatively lax, like those of the majority of student credit card. They accept students with poor credit, or at the very least, no credit. Read more

 

What income do you need for Discover Student Card?

Obtaining a credit card technically has no minimum income requirement. A student could have a disposable income of just $100 and still have a chance of getting a credit card. Read more

 

Can you get a Discover student credit card with no income?

A student without a job is able to obtain a credit card? No. Before you can get your own credit card account as a college student, you must demonstrate your ability to pay back debt. Read more

 

Why did I get denied for Discover student card?

The Act specifically states that if you are under 21 you cannot apply for a credit card in your name unless you can provide proof of income. Being under 21 and not having enough money of your own to pay for any purchases you charge are thus two reasons you might be refused a student credit card. Read more

How does Discover verify student status?

Discover will accept any document that verifies your name, your school's name, and the dates of your enrollment if they need proof that you are a student. Read more

 

What is the difference between Discover Card and student Discover Card?

For instance, Discover offers a student cash back card called the Discover it® Student Cash Back that is similar to Discover's premier cash back card in many ways. However, it has stricter terms and has a marginally higher APR as well as a less lenient instructional APR. Read more

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