How to Apply for the GetDiscoverStudent.com Card Online: A Step-by-Step Guide

The GetDiscoverStudent.com card is an excellent option for students who are looking to establish their credit history, earn rewards, and access various financial benefits while managing their spending. Discover offers a student credit card that comes with a range of features designed to help students build their credit responsibly. Applying for the card online is a straightforward process that can be completed in just a few steps. In this article, we will walk you through the entire process of applying for the GetDiscoverStudent.com card online, providing essential details, requirements, and tips to ensure a smooth application experience.

Why Choose the GetDiscoverStudent.com Card?

Before diving into the application process, it’s essential to understand the benefits of choosing the GetDiscoverStudent.com card. This card is designed to help students develop strong credit while offering several advantages that are ideal for a young, first-time cardholder. Some of the key features of the GetDiscoverStudent.com card include:

No Annual Fee: The card has no annual fee, making it an affordable choice for students who are just starting to manage their finances.
Cashback Rewards: Earn 1% cashback on most purchases, and 5% cashback on purchases in rotating categories each quarter (like grocery stores, gas stations, etc.).
Free FICO® Score: Discover provides cardholders with free access to their FICO® Score, allowing students to monitor their credit progress.
Automatic Credit Line Increase: After making on-time payments for the first 7 months, Discover may increase your credit limit automatically to help improve your credit score.
Fraud Protection: Discover offers 24/7 fraud monitoring and a $0 fraud liability policy, giving students peace of mind when using the card.

Given these benefits, the GetDiscoverStudent.com/ card is an excellent option for students looking to start building their credit score while earning rewards.

Eligibility Requirements for the GetDiscoverStudent.com Card

Before you begin the application process, it is important to ensure that you meet the eligibility criteria for the GetDiscoverStudent.com card. While the specific requirements may vary slightly, here are the general guidelines that most applicants will need to meet:

1. Age Requirements

Applicants must be at least 18 years old to apply for a credit card in their own name.
If you are under 21, you will need to demonstrate that you have sufficient income or assets to repay any debt incurred.

2. Student Status

The GetDiscoverStudent.com card is designed for students, so you will need to be enrolled at an accredited college or university to apply.
You may be asked to provide proof of your student status, such as your student ID or enrollment verification.

3. Income Requirements

While Discover does not require a specific income threshold for student applicants, you must be able to demonstrate that you have enough income or financial support to manage the credit card.
This can include income from part-time work, allowances, or financial support from parents or guardians.

4. Good or Fair Credit

If you are a first-time credit card applicant, you may not have an established credit history. In such cases, Discover may consider your credit history as limited or nonexistent.
If you have an existing credit history, you will need to have a good or fair credit score to qualify. However, many students apply with little to no credit history, and Discover may approve their application based on other factors, such as income or academic standing.

How to Apply for the GetDiscoverStudent.com Card Online

Now that you understand the benefits and eligibility requirements, let’s dive into the step-by-step process of applying for the GetDiscoverStudent.com/ card online. Applying for a credit card online is quick and convenient, and the entire process can typically be completed in just a few minutes.

Step 1: Gather the Necessary Information

Before you begin your application, it’s important to gather all the necessary information and documents. The online application will ask you to provide details about your identity, finances, and student status. Here’s what you’ll need:

Personal Information: This includes your full name, date of birth, address, phone number, and email address.
Social Security Number (SSN): You’ll need to provide your SSN, which helps Discover check your credit and verify your identity.
Student Status: Be prepared to enter your school’s name, location, and the year of your enrollment.
Income Information: While Discover does not have a minimum income requirement, you may need to provide details about any income you receive, such as part-time employment, allowances, or financial support.
Housing Information: You may be asked for details about your housing situation (e.g., whether you rent or live with family).

Having this information ready will ensure that your application process is smooth and efficient.

Step 2: Visit the GetDiscoverStudent.com Application Page

To apply for the GetDiscoverStudent.com card, visit the official Discover website. Once on the site, navigate to the student credit card section. You will find the GetDiscoverStudent.com card listed among the options available for students.

Step 3: Complete the Online Application Form

Click on the application link to begin the process. The online application form is user-friendly and easy to follow. You will be prompted to fill in your personal information, student status, and financial details. Take your time and double-check the information you input to avoid any errors that could delay your application.

Some sections you will need to complete include:

Personal Details: Enter your name, date of birth, and contact information.
School Information: Provide the name and address of your school, as well as the program or course you are enrolled in.
Income Information: If applicable, include details about your income or financial support.

Step 4: Review the Terms and Conditions

Before submitting your application, be sure to review the card’s terms and conditions. This includes understanding the interest rates, fees, and any other important information about the card, such as cashback earning potential, reward categories, and redemption options. It’s essential to understand these details to make an informed decision.

Step 5: Submit Your Application

Once you’ve completed the application form and reviewed all the terms and conditions, click the “Submit” button to send your application for review. Discover will typically process your application and provide a response within a few minutes.

What Happens After You Apply?

Once you submit your application, Discover will review your information and determine whether you meet the qualifications for the GetDiscoverStudent.com card. Depending on your application, you may receive one of the following responses:

1. Instant Approval

In some cases, you may receive instant approval for the GetDiscoverStudent.com card. This is typically the case for students who meet the eligibility requirements and have a clean or limited credit history. If you are approved instantly, you will receive details about your credit limit and other relevant information right away.

2. Application Under Review

If Discover requires more time to review your application, you may receive a message indicating that your application is under review. This can happen if you don’t meet all of the credit criteria or if Discover needs additional information to verify your eligibility. If this happens, you may receive a follow-up email or phone call requesting further details.

3. Denied Application

If your application is denied, Discover will typically provide you with the reason for the denial. This could be due to insufficient credit history, low income, or other factors. However, Discover often offers alternative solutions, such as applying for a secured card or offering tips on improving your credit before reapplying.

How to Increase Your Chances of Approval

If you want to increase your chances of being approved for the GetDiscoverStudent.com card, here are some tips that could help:

1. Build a Credit History

If you have little or no credit history, consider building a credit history before applying. You can do this by using a secured credit card or becoming an authorized user on a family member’s credit card. This will help demonstrate that you can manage credit responsibly.

2. Show Proof of Income

Even if Discover does not have a strict income requirement, showing proof of consistent income can improve your chances of approval. This includes part-time job earnings, allowances, or financial support from parents.

3. Be Honest on Your Application

Ensure that all the information you provide on the application is accurate. Dishonesty can result in your application being rejected, and it may negatively affect your credit score.

Conclusion

The GetDiscoverStudent.com card offers an excellent opportunity for students to build their credit history while enjoying a variety of benefits, including cashback rewards, no annual fees, and easy access to credit. By following the steps outlined in this guide, you can confidently apply for the card online and take the first step toward financial independence.

If you have any further questions or need assistance with your application, be sure to reach out to Discover’s customer service team. They are available to help guide you through the process and answer any questions you may have.