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Discover it® Student

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Discover it® Student
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 10.99%, 6 months

Regular APR

16.74% - 25.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 10% Cashback

Welcome Offer Enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

Unlimited Cashback Match (first year)

Designed for Students: No credit score is required to apply, making it easy for students to get started.

Welcome Offer

  • Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

Rewards

  • 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash at any time, in any amount, or use them for purchases at Amazon.com. Cashback never expires.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Low Intro APR on Balance Transfers: Enjoy 0% intro APR on purchases and 10.99% Intro APR on balance transfers for 6 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 16.74% - 25.74% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 3% of the transfer amount, for balance transfers completed by the date specified in the terms and conditions.
  • Regular Balance Transfer Fees: 5% of each transfer amount, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: N/A.
  • Late Payment: No fee on your first late payment.

Additional Features

  • Custom Card Design: Choose from 25 colorful designs when you apply for the Discover it® card.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Credit Line Increase: When you graduate, you can update your income and housing information and may become eligible for a credit line increase.
  • Freeze it® : Temporally block new purchases, cash advances, and balance transfers.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Discover it® Student Cash Back is an excellent starter card for students who want to maximize rewards without paying an annual fee. It offers 5% cashback on rotating quarterly categories like grocery stores, restaurants, and gas stations on up to $1,500 in purchases each quarter after activation, plus 1% cashback on all other purchases. New cardmembers also benefit from Discover’s Cashback Match, which automatically doubles all cashback earned at the end of the first year. In addition, the card comes with a 0% intro APR for 6 months on purchases and a low intro APR on balance transfers, making it helpful for larger purchases or managing expenses. This card is best for students who are willing to track the bonus categories and want to earn extra cashback in their first year.