Rates, fees & offers
Foreign transaction fee
Recommended credit score
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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.