Lori Meadows
Discover offers a variety of credit cards that are suitable for international students. The Discover it® Student Cash Back card is a popular option for students with no credit history, as it offers a $0 annual fee and 5% cashback on everyday purchases. This card can be used internationally, although it may not be as widely accepted as Visa or Mastercard in some countries. It's important to note that Discover cards do not charge foreign transaction fees, making them a cost-effective choice for international students. Additionally, Discover provides a $0 Fraud Liability Guarantee, ensuring that cardholders are never responsible for unauthorized purchases. Overall, the Discover it® Student Cash Back card is a rewarding introduction to credit for international students, offering flexibility, low fees, and the ability to build a credit history.
| Characteristics | Values |
|---|---|
| Annual fee | $0 |
| Rewards | 5% cash back in categories that change every three months, on up to up to $1,500 in spending per quarter and 1% back on everything else |
| Foreign transaction fee | None |
| Eligibility | Enrollment in a two- or four-year college or university |
| Use outside the US | Yes, but not as widely accepted as Visa and Mastercard |
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What You'll Learn
Discover it® Student Cash Back card
The Discover it® Student Cash Back card is a great option for students looking to build their credit history and earn cash-back rewards on purchases. The card has no annual fee and offers a low intro APR, making it a cost-effective choice for students.
One of the standout features of the Discover it® Student Cash Back card is its generous cash-back rewards program. Cardholders can earn 5% cash back on everyday purchases at different places each quarter, including grocery stores, restaurants, and gas stations, up to the quarterly maximum when activated. Additionally, they can earn unlimited 1% cash back on all other purchases. Discover will automatically match all the cash back earned at the end of the first year, with no minimum spending or maximum rewards. This means that $50 cash back can turn into $100, and $100 cash back can turn into $200.
The Discover it® Student Cash Back card also offers an introductory 0% APR on purchases for 6 months, which is a rare find on student credit cards. After the introductory period, the standard variable purchase APR of 17.24% - 26.24% applies. The card has no foreign transaction fees, making it a convenient option for international students who plan to travel or make purchases in foreign currencies.
Discover also provides excellent security features for its cardholders. The Freeze it® on/off switch on the mobile app and website allows users to prevent new purchases, cash advances, and balance transfers if their card is misplaced. Discover also monitors cardholders' Social Security Numbers on thousands of Dark Web sites and alerts them if any suspicious activity is detected.
Overall, the Discover it® Student Cash Back card is a rewarding introduction to credit for students. It offers generous cash-back rewards, a low intro APR, no annual fee, and helpful security features. Students can build their credit history and learn to handle credit responsibly while earning great rewards on their everyday purchases.
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No foreign transaction fees
While I could not find explicit information on whether Discovery provides international students with credit cards, I did find information on the Discover it® Student Cash Back card. This card has a $0 annual fee and offers 5% cash back on everyday purchases at different places each quarter, such as grocery stores, restaurants, and gas stations, up to a quarterly maximum when activated. You can also earn 1% Cashback Bonus® on all purchases with no maximum or activation needed.
The Discover it® Student Cash Back card is an excellent option for students who want to avoid foreign transaction fees. This card can be used in many countries without incurring costly foreign transaction fees, making it a great choice for international travel. Discover cardmembers can earn cash back rewards on all eligible purchases, including foreign transactions.
Discover cards are not as widely accepted abroad as Visa or Mastercard credit cards, so it is important to check the international acceptance map to see which countries accept cards from Discover. Discover card users can also take advantage of contactless payment options in countries that utilize the Discover network.
It is worth noting that some foreign networks assess their own fees on transactions involving foreign cards, so it is recommended to research these charges before travelling. Additionally, purchases from unusual locations can sometimes trigger fraud alerts, so it is a good idea to notify your credit card issuer of your travel plans before departing.
Overall, the Discover it® Student Cash Back card is a great option for students seeking a card with no foreign transaction fees, generous cash-back rewards, and the ability to build their credit history.
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$0 Fraud Liability Guarantee
Zero fraud liability is a policy that many credit and debit card companies offer to protect their customers against theft or fraud. While $0 fraud liability is standard for many credit cards, companies are not legally required to offer it to business cardholders.
In most cases, any fraudulent purchase made on a covered credit card is protected by zero liability, no matter the size of the transaction or the way in which the purchase was made. It is up to the credit card holder to report fraudulent charges to their card issuer as soon as the charges are discovered. The issuer will then remove or cancel any unauthorized purchases and restore the funds after investigating. Typically, the cardholder will not be liable for any fraudulent charges. However, if a credit card does not offer $0 liability, cardholders may be liable for up to $50 in charges.
Some card issuers, such as Capital One, offer zero-fraud liability under certain conditions. For example, if a suspicious charge was not authorized by the cardholder and was the result of their card being lost or stolen, Capital One will cover the charge. However, $0 Fraud Liability is subject to verification and investigation.
Other card issuers that offer $0 fraud liability include Mastercard, Visa, and American Express.
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Accepted at millions of merchants globally
Discover cards can be used at millions of merchants globally. Discover cardmembers can earn cash-back rewards on all eligible purchases, including foreign transactions. There are no foreign transaction fees, making it a good option for international use. Discover cards are accepted at 99% of places that accept credit cards in the US, according to a 2024 Nilson report. However, Discover cards are not as widely accepted abroad as Visa and Mastercard credit cards.
Students can use the Discover it® Student Cash Back card internationally, but it may not be accepted as widely as other cards. This card offers 5% cashback on everyday purchases at different places each quarter, such as grocery stores, restaurants, and gas stations, up to a quarterly maximum when activated, as well as 1% cashback on all other purchases. There is no annual fee, and students can build their credit history with responsible use.
Discover cards are also equipped with contactless tap-to-pay capabilities, making transactions fast and easy. Cardholders can monitor their Discover credit card account from overseas by logging into their account online or using the mobile app. Before travelling, it is recommended to notify Discover and check the international acceptance of the card in the destination country. Discover offers a $0 Fraud Liability Guarantee, providing protection against unauthorized purchases.
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Contactless payment available
Contactless payment is available for Discover cardholders in countries that utilise the Discover network. The Discover it® Student Cash Back card offers a $0 Fraud Liability Guarantee, meaning you will never be responsible for unauthorised purchases on your account.
Discover cards are accepted at millions of places worldwide, and Discover cardmembers can earn cash-back rewards on all eligible purchases, including foreign transactions. There are no foreign transaction fees, which is ideal for international students.
The Discover it® Student Cash Back card is a great option for students with no credit history, as it offers a free FICO score, low fees, and forgiveness for the first late payment. There is no annual fee, and the card offers a 0% intro APR on purchases for 6 months, then a standard variable purchase APR of 17.24% - 26.24%5% cash back on everyday purchases at different places each quarter, such as grocery stores, restaurants, and gas stations, up to a quarterly maximum when activated. Additionally, cardholders can earn 1% cash back on all other purchases.
Before travelling, it is recommended to verify that your destination country widely accepts your credit card. Discover provides an international use tool on its website to determine whether Discover is accepted in your destination country.
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Frequently asked questions
Yes, international students can use Discover credit cards. Discover cards are accepted at millions of places worldwide.
Discover credit cards offer a $0 Fraud Liability Guarantee, meaning you're never responsible for unauthorized purchases. They also offer top-tier rewards and can help build your credit history. Additionally, Discover cards do not charge foreign transaction fees.
Discover cards are not as widely accepted internationally as Visa or Mastercard credit cards. It is recommended to check Discover's international acceptance map before travelling to ensure your card will be accepted at your destination.
International students can apply for a Discover credit card by enrolling in a two- or four-year college or university. Discover's student credit cards are designed for students with weak or no credit history, and no credit score is required to apply.
