Discover it® Student Cash Back

Discover it® Student Cash Back

Apply Now

on Discover's secure site

Discover it® Student Cash Back

Apply Now

on Discover's secure site

Discover it® Student Cash Back Review

The Discover it® Student Cash Back is the perfect credit card for students to get to build credit and earn cash back while they are in school.

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Rated 4/5.0 stars by our editorial team

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

Discover it® Student Cash Back

  Apply Now
Discover it<sup>®</sup> Student Cash Back
Apply Now

on Discover's secure site

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Discover it® Student Cash Back

SIGN-UP BONUS

Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

REWARDS RATE

Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically

Intro Purchase APR

0% Intro APR for 6 months on purchases

Rewards Rate

Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.

Ongoing APR

18.24% - 27.24% Variable APR

Annual Fee

$0

Card Brand

Discover

Recommended Credit Score

Limited/Fair

Highlights

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.

Additional Info

Foreign Transaction Fee

None

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

$0 Fraud Liability

Yes

Auto Rental Insurance

No

Extended Warranty Program

No

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

No

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

No

See your approval odds before you apply
There's no impact to your credit

Expert Review

Editor's Overall Rating

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

4

         

From the LendingTree editorial team, updated on Feb 23, 2024

The Discover it® Student Cash Back credit card was created for students - and only students. You must be enrolled in a college or university in order to get approved for this card. This card comes with everything you wish all cards came with – no annual fee, no foreign transaction fees, an intro purchase APR of 0% Intro APR for 6 months on purchases and an intro balance transfer APR of 10.99% Intro APR for 6 months. After that, the APR is 18.24% - 27.24% Variable APR on purchases and 18.24% - 27.24% Variable APR for balance transfers.

As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership. Users will earn Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically. Card users have the ability to choose their payment due date and payments are considered on-time until midnight the day of. This card is further customizable by offering more than 5 different credit card designs to choose from that will fit any personality.

As a student it’s hard to remember important things that don’t relate to school. Discover offers great customer service that’s available any time of the day to answer your questions and is located in the U.S. They also have cash back concierge experts on hand to help you understand your rewards and get the most out of your card. Discover offers an expedited credit card delivery so you can get on track to building your credit fast.

The Good

  • There's no limit to how much bonus cash you can earn with the Cashback Match™ offer in your first year, and there are opportunities for tons of bonus cash back. Also, you won't ever have to worry about paying an annual fee or foreign transaction fees.

The Not So Good

  • The minimum line of credit is a bit low, starting at $500.

The Bottom Line

The Discover it® Student Cash Back is the perfect credit card for students to get to build credit and earn cash back while they are in school.


Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Discover.

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