Discover it® Student Cash Back


Rated 4/5 stars by our editorial team

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Why should I get this card?

With high levels of cash back on rotating categories, intro 0% interest on purchases and no annual fee, the Discover it® Student Cash Back is one of the top cards available to build your credit.

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  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more up to the quarterly maximum, each time 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.
  • Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
  • See Rates & Fees

Card Fees

  • Foreign Transaction Fee


  • Balance Transfer Fee


Additional Details

  • $0 Fraud Liability


  • Auto Rental Insurance


  • Extended Warranty Program


  • Roadside Assistance


  • Purchase Protection


  • Travel Assistance


  • Flight Accident Insurance


  • Lost Luggage Reimbursement


  • Concierge Service


Expert Reviews

Expert Reviews of the Discover it® Student Cash Back

  • Regular APR


  • Intro APR


  • Fees


  • Benefits


  • Overall Rating

    4.0 /5

From the Editorial Team

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, no overlimit fee, and a free pass the first time you miss a payment. Your APR will not increase due to a late payment and cardholders will also enjoy an intro purchase APR of 0% for 6 months and an intro balance transfer APR of 10.99% for 6 months.

As an exclusive offer, Discover will automatically double all the cash back at the end of your first year of cardmembership. Users will 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more up to the quarterly maximum each time 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 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 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.

  • Why we like it

    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.

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.

Consumer Reviews

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Offer Rating

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By: | Oct 26, 2017

Discover always delivers! This card is awesome.

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