- Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
- Good Grades Rewards: $20 cash back 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 & your FICO® Credit Score for free on monthly statements & online.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.49% - 22.49%.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
APR: 13.49% - 22.49% Variable APR
Cash Advance APR: 25.49%, Variable
- Qualify with average credit
- Bonus cash back categories
- No annual fee
- 0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months
- No foreign transaction fee
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months
Recommended credit score
This card gives you 5% cash back in quarterly rotating categories that you activate, on up to $1,500 in spending per quarter, and 1% cash back on all other purchases. Historically, bonus categories have included student-friendly options such as restaurants, movie theaters and Amazon.com purchases.
Other great features include a $20 rewards bonus each year if you maintain a 3.0 GPA, free access to your FICO score, and an annual fee of $0. If you're planning to study abroad, the card has no foreign transaction fees, but Discover's acceptance abroad is fairly limited.
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