Discover it® Student Cash Back

Discover it® Student Cash Back

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

Discover it® Student Cash Back

Discover it® Student Cash Back

Discover it® Student Cash Back

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

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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! So you could turn $50 cash back into $100. Or turn $100 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 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.

  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.

  • No annual fee. No late fee on first late payment. No APR change for paying late.

  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

  • 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.

  • Discover is accepted nationwide by 99% of the places that take credit cards.

  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.

  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-5%

  • Bonus offer

    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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for- dollar match.

  • Intro APR

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

  • Ongoing APR

    APR: 12.99%-21.99% Variable APR

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee

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

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

12.99%-21.99% Variable APR

Rates & Fees

Regular APR

26.99% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

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

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Virginia C. McGuire

Rating details

4.9

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Qualify with limited/bad credit

  • Bonus categories

  • Intro APR period

  • Reports to the three major credit bureaus

Cons
  • Complicated rewards

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.