Discover it® Student
Apply now
On Discover's Secure Website
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.
Discover it®
Apply now
On Discover's Secure Website
4.0
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
17.74% - 26.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
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 Earn a $100 statement credit when you apply through our site. Plus, enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.
$100 + Unlimited Cashback Match (first year)
Welcome Offer
- $100 Statement Credit: Earn a $100 bonus as a statement credit when you apply through this referral link. This offer is available for a limited time through our site.
- 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 Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed by the date specified in the terms and conditions (typically within the first 90 days).
- Regular APR: After the introductory period, a variable APR of 17.74% - 26.74% applies to purchases and balance transfers.
- Paying late won’t raise your APR.
- Intro Balance Transfer Fees: 3% of the transfer amount, for balance transfers completed by the date specified in the terms and conditions (typically within the first 90 days).
- 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, online privacy protection, Freeze it® to temporally block new purchases, cash advances, and balance transfers, free access to FICO® Credit Score, automatic account alerts, free SSN alerts, free overnight card replacement, 24/7 100% U.S.-based customer service, Spend Analyzer to track your purchases, contactless checkout, and compatibility with digital wallets.
Terms and Conditions
Click Apply Now to see the terms and conditions.
The Discover it® Cash Back Card is a great pick for people who want to maximize rewards without paying an annual fee. It offers 5% cashback on rotating quarterly categories, such as grocery stores, restaurants, and gas stations, on up to $1,500 in purchases each quarter after activation, and 1% cashback on all other purchases. New cardmembers benefit from Discover’s Cashback Match, which automatically doubles all cashback earned at the end of the first year, effectively enhancing the initial rewards rate. Additionally, you also get a 0% intro APR for 15 months on purchases and balance transfers, which can help if you're planning a big purchase or need time to pay down debt. This card is best for smart spenders who can take advantage of the bonus categories and want to earn extra cashback in their first year.