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Get a $100 Statement Credit after you apply through your friend’s referral link and make your first purchase within 3 months of being approved. *
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Important Information

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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0% intro APR for 6 months from date of account opening.

After the intro APR expires, your APR will be 16.49% to 25.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

10.99% intro APR for 6 months from date of first transfer, for transfers under this offer that post to your account by October 10, 2026.

After the intro APR expires, your APR will be 16.49% to 25.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

28.49%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies
None
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing period. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $.50.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

Fees

Set-up And Maintenance Fees
Annual Fee
None
Transaction Fees
Balance Transfer

Intro fee of 3% of the amount of each transfer for transfers that post to your account by October 10, 2026 with the 10.99% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.

Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty Fees
Late Payment
None the first time you pay late. After that, up to $41.
Returned Payment
Up to $30.

HOW WE WILL CALCULATE YOUR BALANCE:
We use a method called "daily balance (including new transactions)."
HOW WE CALCULATE VARIABLE RATES BASED ON THE PRIME RATE:

We use the highest U.S. Prime Rate listed in the online The Wall Street Journal (www.wsj.com) on the last business day of the month. For the purchase APR, we add from 9.74% to 18.74% to the Prime Rate based on your creditworthiness. When we evaluate your creditworthiness, we consider your credit report, all the information you provided and other information. Customers with the best credit profiles receive the lowest rates. Some customers may receive higher rates and may be offered an account with different rates or terms, including no introductory rates but the same cash back rewards offer. For the cash advance APR, we add 21.74% to the Prime Rate. Your variable APRs will never be less than zero or higher than 29.99%.

BALANCE TRANSFERS:
This offer applies to balance transfers that post to your account by 10/10/2026. An account must be open for 14 days before Discover can begin processing your balance transfer request. After that, most transfers are processed within 4 days. You may cancel a balance transfer at any time prior to that by calling 1-800-347-3085. Continue to make all required payments to your other accounts until you confirm that the balance transfers were made. Balance transfers may not be used to pay the balance of a Discover or Capital One account. Balance transfers do not earn rewards. You may transfer any amount, up to your credit available for transfers, which may be less than your total credit line. If your balance transfer request will exceed your available credit, we will process your transfers for less than the amount requested, in the order requested. You may only make balance transfers to accounts that list you as an account holder. The minimum payment requirement can cause promotional balances to be paid in full prior to the end of the promotional period. There is no grace period on your balance transfers. If you take advantage of this balance transfer offer, you will be charged interest on purchases unless your purchase APR is at a promotional 0% APR. To avoid interest on new purchases after you transfer a balance, you must pay all balances on your account, including any balances you transfer under this offer, in full by the first payment due date. See your Cardmember Agreement for details. Your account may not always be eligible for balance transfers.
PAYMENT ALLOCATION:
We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the minimum payment due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
APPLICATION INFORMATION:
Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify your identity. To be eligible for the Discover Student Credit Card you must be a college student. To determine whether you qualify for an account, we consider information bearing on your creditworthiness, including the information you provide in this application, which includes whether you are enrolled in 2 or 4 year college or university, and your credit report. You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for credit, renewal of credit, and future extensions of credit. You may have a maximum of one Discover student credit card account. You are eligible to apply for a second Discover credit card account after your first Discover credit card account is opened more than twelve months and you are no longer a student. You agree Discover, a division of Capital One, N.A., its affiliates, and agents ("Discover") may call you, including texts, about any current or future accounts or applications, with respect to all products you have with Discover at any phone number you provide. In addition, you agree Discover may contact you using an automatic dialer or pre-recorded voice message. Message and Data rates may apply. Click here for text terms and conditions and our privacy policy. Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to U.S. residents 18 and older. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of June 30, 2026, and may change after that date. To find out what may have changed after that date, write to us at PO Box 15410, Wilmington, DE 19850-5410. Please allow 30 days for us to process your application.
CREDIT LINE:

Applicants may not request a specific credit line. If you are approved, your credit line will be at least $500 and along with other terms of the account, will be based on a review of the information you provide in this application and your consumer report; it may also include other information we may have bearing on your creditworthiness. Balance transfers made with an application are not considered to be a request for a particular credit line.

CARDMEMBER AGREEMENT:

You will receive a Cardmember Agreement with the Card. You agree that the Cardmember Agreement and the account are governed by Virginia and federal law. The terms of your account, including rates and fees, are subject to change, to the extent permitted by law. ARBITRATION: The Cardmember Agreement provides that we may choose to resolve a claim relating to your account by binding arbitration, in which case, you will not have the right to have that claim resolved by a judge or jury and you will not have the right to participate in a class action in court or arbitration. You may reject the arbitration provision with respect to your new account within 30 days after receiving your Card.

Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

New York Residents: For more information call us at 1-800-347-3085. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

Wisconsin Residents: No agreement, court order or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Married Wisconsin residents must furnish their spouse's name and address to us at PO Box 15410, Wilmington, DE 19850-5410.

REWARDS:

We will send you full terms and conditions with your card. Earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. The amount of the cap may change. Click here to see the current 5% program details. 5% category purchases over the quarterly maximum, and all other purchases, earn 1% cash back. You will not earn Cashback Bonus® on cash advances, portion of purchases paid with rewards, balance transfers, transfers from Discover checking or other deposit accounts, illegal transactions or any cash you receive in connection with a purchase at the point of sale through our Cash Over feature. For full details about your rewards, call 1-800-347-3085.

Redeem your Cashback Bonus® in any amount. If your account is closed, we will send you a check or credit your account with your rewards balance; we reserve the right to determine the method to disburse your rewards balance. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Rewards redeemed for gift cards require a minimum amount to redeem.

We may prevent you from redeeming your rewards based on your account status. Your Account must also not be used for any illegal transactions. We apply security measures before clearing a redemption that may limit your ability to redeem in certain channels or result in a delay. All redemptions are final. If your card is reported lost or stolen, you may not be able to earn or redeem rewards for approximately 24-48 hours.

Cashback Match:
We’ll match all the cash back you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You earn cash back only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; or rewards transfers from Discover checking or other deposit accounts. Your account must be open and in good standing to receive your Cashback Match. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
Discover Pay with Rewards:

To use your eligible Discover credit card to shop with rewards at participating retailer(s), your account must be in good standing to be linked with participating retailer(s). By using your card at participating retailer(s), you authorize and direct Discover to share information about your Discover credit card account with the participating retailer(s) and/or their affiliates. Discover rewards may be redeemed to pay for all or a portion of eligible purchases. Rewards will be deducted from your rewards balance at the time the order is placed. Determination of item/merchandise eligibility to shop with rewards is at the sole discretion of the participating retailer(s). Returns and refunds are subject to the returns policy of the retailer(s). Any previously-disclosed terms associated with this rewards program also apply. Additional retailer(s) service terms may apply.

FICO® Credit Score Terms:

Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

TERMS OF STATEMENT CREDIT OFFER:

You will receive a $100 statement credit after making a purchase that is posted to your account within three months of account opening. If the Referral Program is offered, we reserve the right to alter, change or terminate the Referral Program at any time. A Balance Transfer or Cash Advance does not qualify as a purchase. You must apply online through your friend’s digital referral link and be approved by 11:59pm ET, December 31, 2026 in order to be eligible for the $100 statement credit offer. Phone, mail-in, and other digital applications are not eligible for referral rewards. Offer may not be combined with any other introductory offer. Promotional award will be applied within 1-3 billing periods. Statement credits you receive may be taxable to you. Please contact your tax advisor.

Freeze your account:

When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity may continue including merchant initiated or merchant-indicated recurring transactions, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

Discover® Identity Alerts:
Discover® Identity Alerts (Alerts) currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of the dark web known for revealing personal information and an alert if your Social Security number is found. Alerts are offered by Discover, a division of Capital One, N.A., (Discover) at no cost, are available only online, and do not impact your credit score. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security number, and an email address on file. This benefit may change or end in the future. Discover is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
Amended Account Terms

Effective January 15, 2027

Some of the above Account Terms will be amended as described below, effective January 15, 2027 (the “Effective Date”). We will also be sending you new Account Terms, Customer Agreement and Rewards Programs Terms & Conditions after the Effective Date.

  • Minimum Payment Calculation: If your balance is less than $35, your minimum payment will be equal to your balance. Otherwise, your minimum payment will be the greater of:
    • $35; or
    • 2% of your balance; or
    • 1% of your balance plus new interest and late payment fees.

    We will also add any past due amount to your minimum payment. If your Account charges off, the entire balance is due immediately.

  • Variable Rate Calculation: We will begin using a new day of the month to measure the value of the Prime Rate for your Account. Specifically, we will begin calculating your variable rates by adding the previously disclosed percentage to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If the Journal is not published on that day, then we will use the immediately preceding edition. Any changes in the Prime Rate will take effect on the first day of your Billing Cycle which begins in the next month. We’re just changing the day of the month that we read the Prime Rate and how quickly rate updates are reflected on your Account.
  • Payment Due Date: If your payment due date falls between the 15th-19th or 23rd-26th, your payment due date will change as of the Effective Date. These changes to your Account will be reflected on your first statement from Capital One.
  • Billing Cycle End Date: In addition, the last day of your billing cycle (“Cycle Closing Date”) will occur 25 days before your payment due date each month. As a result, the Cycle Closing Date could move by up to 3 days from month to month because the number of days in each month varies, but your payment due date will be the same day each month.
  • Changes to the Arbitration Agreement: After the Effective Date, you will receive your new Capital One Customer Agreement which includes an update to the existing agreement to arbitrate. Please refer to the Customer Agreement for instructions on how you may reject the agreement to arbitrate.
  • Rewards as Payment: Effective starting January 14, 2027 at 5:00 p.m. ET, you will no longer be able to use your rewards to meet your minimum payment obligations. Redeeming your rewards as a statement credit will lower your Account balance, but any credit will not count toward your minimum monthly payment obligation. You will still be required to make your minimum monthly payment.
  • Rewards at Account Closure: Your rewards still will not expire for the life of the Account, but rewards balances will no longer be automatically credited to your Account or sent to you via check if your Account is closed.
  • Automatic Statement Credit Redemption: In certain circumstances after enrollment, your rewards may not be auto redeemed. For example, if the rewards balance is insufficient or due to the statement cycle date.
  • Credit Score and Discover Identity Alerts: If you are enrolled in free Discover Identity Alerts, please note they will be discontinued as early as December 1, 2026 and they will be fully deactivated by the Effective Date. There will also be changes to how you access your FICO® credit score. When your Account is ready to be managed with Capital One, you will need to enroll in CreditWise in order to get access to your FICO 8 Score online and on your card statement. CreditWise from Capital One is a free credit monitoring tool that offers FICO® Score 8 updates, access to your TransUnion credit report, dark web monitoring and more. You can enroll in CreditWise any time in the Capital One app or at https://www.capitalone.com/creditwise/. Cardmembers who are enrolled in the paid Discover Identity Theft Protection product will not need to enroll in CreditWise to see their FICO 8 Score online through CreditWise and on their card statement.  Discover Identity Theft Protection members may enroll in CreditWise at any time to receive full access to all the CreditWise features.   We will be sharing more information about the paid Discover Identity Theft Protection product to enrolled members in a separate communication.
  • Explanation of Interest Charge Calculation: We are changing the way we describe how we calculate the balance used in your interest charge calculation. The two calculation descriptions are mathematically equivalent. This change is being made for clarity only and will not result in a higher interest charge.
  • Minimum Interest Charge: The Minimum Interest Charge will be removed from your Account Terms.
  • Changes to Your Account Balance Descriptions on Your Periodic Statement: You may see changes to how your Account balances appear on future periodic statements. These changes will not result in changes to the rates currently applicable to your existing Account balances.
  • Consent to be Contacted: Any consent you provided to receive automated and pre-recorded/artificial calls, including text messages, relating to your relationship with Capital One will apply to this Account. We may use the phone number(s) on file with Capital One for your Account. You may manage this and other information by logging in to your Capital One Account.

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