Discover it® Student Cash Back

Discover is an Experian Partner

Discover it® Student Cash Back Apply Now Apply Now Apply Now
  • Rewards

  • Intro Bonus

  • 0% Intro APR

  • No Annual Fee

Recommended FICO® ScoreΘ Rating

Fair, New to Credit

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  • Rewards

    Rewards, Intro Bonus, Cash back

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and 10.99% on Balance Transfers for 6 months

  • Ongoing APR

    12.99% - 21.99% Variable

  • Balance transfer

    12.99% - 21.99% Variable

  • Intro Bonus

    Dollar-for-dollar match of all cash back earned the first year

Card details:
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
Rates and fees
Pros:
  • No annual fee
  • High rewards rate on rotating bonus categories
  • No foreign transaction fees
Cons:
  • May not be accepted in all countries outside of US
  • Need to register quarterly for bonus cash back categories

Experian Review:

Discover it® Student Cash Back Review: Earn Rewards and Avoid Fees

For students who want to earn rewards and build credit without paying fees, the Discover it® Student Cash Back could be a good option.

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Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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