Discover it® Student Cash Back


The Discover it® Student Cash Back card is designed to help young people build credit. Student credit cards are made for people with limited or no credit, providing a way to start building a positive credit history.

Like the regular Discover it® Cash Back Credit Card (Review), this student card comes with an appealing absence of fees and abundance of rewards. It offers 5% cash back in a variety of categories that rotate throughout the year, including many common purchases that most people make. This 5% rate is limited to the first $1,500 spent per quarter; after that, 1% cash back is earned.

Not only that, Discover will double the cash back you earn in your first year of use. That means you’ll effectively get 10% back on those purchases, and this is one of the best deals available on any credit card (which means it’s especially valuable on a student card).

The 5% cash back calendar for 2019 is:

Quarter 5% Cash Back Category
January – March Grocery Stores
April – June Gas Stations, Uber, Lyft
July – September Restaurants
October – December Amazon.com

You’ll also get a $20 annual Good Grade Reward for getting good grades, for up to five years — you’ll need a 3.0 GPA to get that. And you can also check your FICO Score 8 any time you’d like, for free, based on your TransUnion credit report.

Card Quick Facts

Card Quick Facts

  • Cashback Match: Double all the cash back you’ve earned at the end of your first year automatically.
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com, up to $1,500 in spending per quarter (then 1%)
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment and paying late won’t raise your APR.
  • Free FICO® Credit Score on statements, online & by mobile app.
  • 100% U.S.-based service.
  • Each Discover purchase is monitored for fraud, and you’re never responsible for unauthorized purchases on your Discover card.

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5% cash back in rotating categories, up to $1,500 in spending per quarter (then 1%):
    • Categories: January through March is Grocery Stores; April through June is Gas Stations, Uber, and Lyft; July through September is Restaurants; October through December is Amazon.com
  • 1% cash back on all other purchases
How to Redeem

Introductory Bonus

  • Cashback Match: Double all cash back rewards earned in the first year
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.99%–23.99% Variable
Intro Purchase APR 0% for 6 Months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee $0 the first time; up to $37 after that
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 10.99% for 6 Months
Regular Balance Transfer APR 14.99%–23.99% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Cash Back Rewards for Good Grades

    Get $20 cash back for every school year in which your GPA is 3.0 or higher. Available for up to five years. Cardholders must apply for this credit manually each year.

  • Free FICO® Credit Score

    View your FICO score any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.

  • Cash At Checkout

    When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.

  • Refer a Friend for Cash Back

    Get $50 cash back for every friend who successfully applies for a card using your referral link. Up to 10 per year.

  • Personalize Your Card

    Choose from a number of different designs to personalize your card, including several chrome colors, a variety of designs, and a wide selection of NHL team logos.

  • Pay up until Midnight

    You have up until midnight of the due date to pay your bill, online or by phone.

  • Temporarily Freeze Your Account

    Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.

  • Card Replacement

    Free overnight shipping in the U.S. if you need your card replaced.

  • Spend Analyzer Financial Tool

    Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

  • Fraud Protection

    Your card account will be monitored 24/7 for suspicious activity.

  • Free Social Security Number Alerts

    Get alerts if your SSN is found on any thousands of risky websites.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by Jenna
This card is awesome!

I love this card!! The cash back categories are awesome and the fact that they match all your points for the first year is great! I got accepted even though I didn't have credit history.

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