- Sign-Up Bonus
- 3
- Spending Multipliers
- 4
- Credits & Features
- 0
- Fees
- 5
- Application
- 4
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 3
- Spending Multipliers
- 4
- Credits & Features
- 0
- Fees
- 5
- Application
- 4
- Issuer
- NaN
The Discover it Student Cash Back is a no-annual-fee student credit card built specifically for college students who want to build credit history while earning cash back rewards. Ideal for undergraduates and young adults with limited or no credit, this card offers 5% cash back on rotating quarterly categories (up to $1,500 in purchases each quarter, then 1%) and 1% on all other purchases, making it a strong fit for students who are willing to track and activate bonus categories to maximize rewards. While the $1,500 quarterly cap and standard 1% base rate may limit earning potential for higher spenders or those who prefer a flat-rate rewards structure, the Discover it Student Cash Back card provides meaningful value for everyday student expenses like gas, groceries, dining, and online shopping depending on the quarterly categories. With no annual fee and a student-focused approval process, it’s a practical choice for building responsible credit habits while earning rewards during college.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- You are limited to 2 Discover cards
- Avoid applying for additional Discover cards for 1 year
Fees
- No Annual Fee
- Up to $41 late fee
- Up to $30 return payment fee
- 16.49% - 25.49% Variable APR
- 28.24% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 16.49% - 25.49% APR for Balance Transfer
- 5% of each transfer amount