Discover it® Student Cash Back

Discover it® Student Cash Back

on Discover's secure website, or call (800) 347-0264

Discover it® Student Cash Back

Discover it® Student Cash Back

Discover it® Student Cash Back

on Discover's secure website, or call (800) 347-0264

Card details

  • 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 or Amazon.com 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 14.99% - 23.99%.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus 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.

  • Intro APR

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

  • Ongoing Apr

    APR: 14.99% - 23.99% Variable APR

    Cash Advance APR: 26.99%, Variable

  • Balance Transfer Fee

    3%

  • Foreign Transaction Fee

    None

Recommended credit score

NerdWallet Review

By Virginia C. McGuire

Rating Details

4.4

Editor's overall rating

Pros and Cons

Pros
  • Earn 5% Cash Back in rotating categories each quarter up to the quarterly maximum when you activate

  • Qualify with average credit

  • Bonus cash back categories

  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

  • No foreign transaction fee

Cons
    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 statement credit 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. For more information, read our full review.

    User Reviews

    Rating Details

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