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Cards/Scholar Student

Scholar

Scholar Student

Scholar Student by Scholar with no annual fee

Best for DiningBest for Online Shopping

Annual Fee

Free

Credit Profile

Fair to good credit

Reward Style

Cash back

Foreign Spend

No foreign transaction fee

Quick Verdict

Designed for college students building credit. Earns 3% on dining and online shopping with a GPA bonus reward each semester.

Estimated First-Year Net Value

+$0

Estimate = welcome offer + listed perks value - annual fee. Actual results vary.

•Fair to good credit or better

•You prefer no-annual-fee cards

•You spend meaningfully on Dining and Online Shopping

Compare against another card Back to card directory

First-Year Value Snapshot

Welcome Offer Est.

No current offer listed

Perks Value Est.

Not enough data

Annual Fee

Free

How You Earn (Cash Back)

Dining

3%

Online Shopping

3%

All

1%

What We Like / Watch Outs

Pros

+3% on dining and online shopping
+GPA bonus: $20 per semester for 3.0+
+No annual fee
+No co-signer required

Cons

Lower credit limits

Scholar Student | The Stack

-

-1% base rate on other purchases

-Must be enrolled in school

Rates & Terms

Credit needed: Fair to good credit
Intro APR: No intro APR listed
Regular APR: Varies by issuer terms
Foreign transaction fee: None
Network: discover
Card type: student

Rates and offers can change. Confirm final terms on the issuer site before applying.

Is It a Fit?

Good fit if:

•Fair to good credit or better
•You prefer no-annual-fee cards
•You spend meaningfully on Dining and Online Shopping

Think twice if:

•You prefer travel transfer partner redemptions

Next Step

Compare this card against alternatives before deciding.

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