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    • Ongoing APR
    • Foreign transaction fee


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    NerdWallet review

    By Virginia C. McGuire

    Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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    Editor's overall rating

    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, gas stations and Amazon.com purchases.

    Other great features include 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.