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Pros & Cons
Pros
- +No annual fee
Cons
- –No purchase protection
Our Review
Jumpstart Your Credit Journey with the Discover it® Student Cash Back Card
- 5% cash back on up to $1,500 in combined purchases each quarter in rotating categories when you activate
- 1% unlimited cash back on all other purchases
- Unlimited Cashback Match™—Discover automatically doubles all the cash back you’ve earned at the end of your first year
- 0% intro APR on purchases for 6 months; 10.99% intro APR on balance transfers for 6 months
- No annual fee and no foreign transaction fees
- Free FICO® Score access and reports to all three major credit bureaus
- First late payment forgiven—no late fee on your first missed payment
Perfect for students building credit, this card combines straightforward rewards with flexible financing and credit‑building tools. Activate quarterly bonus categories like groceries, gas or streaming services to earn top‑tier cash back, then sit back as Discover matches your earnings at year’s end. Manage your account seamlessly in the Discover mobile app, enjoy real‑time alerts and track your progress with free score updates.
Terms apply. Bonus categories require quarterly activation and are capped at $1,500 per quarter before reverting to 1%. Balance transfer fee: 3% intro, up to 5% thereafter. See Discover for full details.
Rewards
All Spending
1x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
30,000
Cash Back/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$300
incl. welcome bonus
Breakdown
Terms & Conditions
Card Features
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% – 26.24% applies.
- Terms and conditions apply.
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