Discover Student Card FAQ
- How does the Cashback Bonus Program Work?
It's easy to earn and redeem Cashback Bonus: If you are a Discover Student Cardmember, you earn Cashback Bonus simply by using your Discover Card.
- Earn 5% Cashback Bonus in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- 5% to 20% Cashback Bonus at top online retailers through our exclusive online shopping site
- Get up to 1% Cashback Bonus on all your other purchases
Once you've earned $20 Cashback Bonus or more, you can redeem it in $20 increments multiple ways:
- Get it in cash: credit your Discover Card Account, make an electronic deposit to your bank account or request a check
- Increase, even double, your Cashback Bonus when you redeem for gift cards from our brand-name Partners
You cannot redeem your Cashback Bonus if your Account is delinquent. Log in to the Account Center to see the Cashback Bonus Terms and Conditions for additional information. Not registered for the Account Center? Register now
- How is my Cashback Bonus calculated?
As a Discover Student Cardmember, you get Cashback Bonus for every Discover Card purchase you make. You'll get a Cashback Bonus of:
- 0.25% if the purchase is part of your first $1,500 in total annual purchases,
- 0.50% if the purchase is part of your second $1,500 in total annual purchases, and
- 1.0% if the purchase is part of your total purchases in excess of $3,000
You'll also earn 5% Cashback Bonus in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more when you sign up for each program. Log in to the Account Center to see the Cashback Bonus Terms and Conditions for additional information. Not registered for the Account Center? Register now
- Does my Cashback Bonus ever expire?
Your Cashback Bonus never expires as long as you use your Card. However, if your Account is closed, is in default or is inactive for longer than three years, you may forfeit some or all of your rewards. Log in to the Account Center to see the Cashback Bonus Terms and Conditions for additional information. Not registered for the Account Center? Register now
- How can I redeem my Cashback Bonus?
If you are registered for the Account Center, you can browse all your reward options and redeem online. Log in to the Account Center or call 1-800-DISCOVER (1-800-347-2683) to redeem your reward. Not registered for the Account Center? Register now. You can redeem your reward any time as long as you have $20 or more Cashback Bonus.
- How much of my Cashback Bonus can I redeem?
You can get your Cashback Bonus in increments of $20: $20, $40, $60, etc. For example, if you have $56 Cashback Bonus, you can redeem $40 and the rest of your Cashback Bonus will continue to build.
- How can I find out the status of my Discover Card application?
It can take up to 30 days to process an application. If 30 days has passed since you applied, please call us toll free at 1-800-DISCOVER (1-800-347-2683) to find out the status of your application.
- Why do I need to activate my new Discover Card?
The activation process is a security measure. When you call us to activate your Card, we will ask you to provide your personal information. This is how we ensure that you, not others are using your Card. To make the activation process as quick as possible, please call us from your home phone. For security purposes, if you receive multiple Card packages in the mail, you will need to activate each one separately.
- If my Discover Card is lost or stolen, will my Cashback Bonus be transferred to my new account?
Yes, we automatically transfer your Cashback Bonus to your new Discover Card Account.
- When does Cashback Bonus show up on my statement?
New Cashback Bonus earned will appear on the first page of each monthly statement. You can view your Cashback Bonus amount by logging into the Account Center and going to the Statements page. Not registered for the Account Center? Register now.
- Can I pay my Discover Student Card bill online?
Yes. All you need is your checkbook to enroll; enter your banking information once during sign up and you'll never have to enter it again. There's no charge for using this service. To enroll or make a payment, log in to the Account Center. Not registered for the Account Center? Register now.
- What should I do if I have not received my Cashback Bonus after making a purchase through ShopDiscover?
First be sure to check the terms and conditions of the offer. Many of these offers require eight weeks for the Cashback Bonus to post to your Cashback Bonus Account. If you still haven't received your Cashback Bonus after eight weeks, log in to send us a secure message or call 1-800-DISCOVER (1-800-347-2683).
- Who are the participating Cashback Bonus Partners?
View a list of our Partners. You can increase, even double, your Cashback Bonus when you redeem for gift cards from our brand-name Partners.
- Where do I find my Cashback Bonus totals?
Look for your totals on the first page of your monthly Discover Card statement. Or log in to see your Cashback Bonus Summary online in the Account Center. Not registered for the Account Center? Register now.
- Can I request an additional Discover Student Card online?
In Customer Service within the Account Center, you can request new designs for your Card, add an Authorized User to your Account or request a replacement for a worn or damaged Card. Just log in to the Account Center, go to Customer Service and choose either the “Request or Replace a Card” link or “Add a Person to Your Account” link under Account-Related Requests.
- How can I get cash with my Discover Student Card?
You can get cash at over 150,000 Discover Cash Network ATMs 24 hours a day, 7 days a week. All you need is your PIN and your Discover Card. You can also stop in at one of more than 58,000 participating banks and financial institutions for quick cash using your Card and photo ID. To find participating ATMs and banks, visit our ATM locator.
- How can I request a Personal Identification Number (PIN) for ATMs and cash advances?
Please call us at 1-800-DISCOVER (1-800-347-2683) from your home telephone. A Customer Service representative will ask you a few questions and process your request. PINs may be requested only by telephone at this time.
- What should I do if my Discover Student Card is lost or stolen?
Call us immediately at 1-800-DISCOVER (1-800-347-2683) to report the Card’s loss or theft. We will close your Account and reissue you a new Account number and Card(s). If your lost/stolen Discover Card is registered at the Account Center, you’ll need to re-register when your new Card arrives in the mail.
If you use our Auto Bill Pay online service, we will contact your biller directly to inform them of your new Account number and expiration date.
If you have set up automatic payments directly with billers outside of the Auto Bill Pay service, you will need to contact them with your new Account number and expiration date.
- Can I change my address, phone number and e-mail address online?
Yes. Log in to the Account Center, go to Personal Profile, and then click on “Update Your Personal Information.” You can change your Account information in addition to managing other aspects of your Account. Not registered for the Account Center? Register now.
- How can I request a credit limit increase?
Please call us at 1-800-DISCOVER (1-800-347-2683). A Customer Service representative will ask you a few questions and process your request. Credit limit increases may be requested only by telephone at this time.
- What if I have questions about my interest rate?
To discuss your interest rate, call us toll free at 1-800-DISCOVER (1-800-347-2683).
- What security measures are in place on Discovercard.com?
Making sure you're secure when you manage your online Account at Discovercard.com is one of our top priorities. We currently have multiple industry-standard security solutions in place including:
- 128-bit Secure Socket Layer (SSL) that encodes the personal information you send over the Internet
- Multiple firewall layers
- Active system monitoring to provide real-time alerts
Our $0 Fraud Liability Guarantee ensures that you’re never responsible for unauthorized usage of your Discover Card.
- How can I tell if the Web page I am on is secure?
Web pages have two indicators that they are secure:
- A padlock icon at the bottom of the browser window (you can click the padlock to verify the identity of the site to which you are connected)
- A Web address that starts with “https” instead of “http”
These indicators assure you that the page—and your information—are protected. You will always see both when you log in to the Discovercard.com Account Center. If you do not see both of these indicators on the log in page of the Account Center, do not log in to the site and close your browser immediately. To make sure that you are always logging in to the Discover Card Web site, we suggest that you bookmark our home page or log in page and use it to access the site.
- How can I tell if an e-mail is really from Discover Card?
Authentic e-mails from Discover Card will come from one of these five addresses:
- discovercard@email.discovercard.com
- discovercard@service.discovercard.com
- websupport@service.discovercard.com
- discovercard@autobillpay.discovercard.com
- discoverbusinesscard@email.discovercard.com
If you receive what appears to be a fraudulent e-mail from us, please call 1-800-DISCOVER (1-800-347-2683) immediately.
Please note that messages you receive in the Account Center at Discovercard.com are always secure.
- What should I use for my Account Center password?
A good password is easy for you to remember—but hard for somebody else to guess. Avoid using passwords that others might guess, such as a birth date, Social Security number or pet’s name.
Select passwords you’ll remember, but try replacing some of the letters with numbers—“secret” might be “s1cr1t,” for example.
And mix up your passwords—use different passwords at different Web sites.
- Do I need to log out of the Account Center?
Yes, log out by clicking the “Account Center Log Out” link at the top of the page. You’ll see a new page confirming that you’ve logged out.
If you don’t log out, others using the same computer could potentially access information saved or cached in the memory of the browser. As an extra precaution, close your browser’s window before leaving the computer.
- If I request a new Discover Student Card design, will my Account number stay the same?
Yes. The terms of your agreement will remain the same, including your Account number, interest rates, statement closing date, Cashback Bonus and Account Center settings.
- I requested a new Discover Student Card design, what should I do with my current Card?
Since your Account Number will not change, your current Card will remain active until the expiration date. Continue using it until the expiration date shown on the Card or call us at 1-800-DISCOVER (1-800-347-2683) to deactivate the Card. You do not need to return your current Card to us. If you choose not to use your old Card, please destroy it.
- How can I request a Personal Identification Number (PIN) for ATMs and cash advances?
Please call us at 1-800-DISCOVER (1-800-347-2683) from your home telephone. A Customer Service representative will ask you a few questions and process your request. PINs may be requested only by telephone at this time.
- If I am currently enrolled in CreditSafe Plus credit insurance, can I switch to Discover Payment Protection credit protection?
Yes. First, you’ll need to cancel your CreditSafe Plus coverage. Then enroll in Discover Payment Protection. To make changes to your coverage, clarify which coverage you have, or both, call 1-877-883-1959 toll free Monday through Friday, 8:00 a.m.—8:00 p.m. Eastern Time.
