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Discover it® Student Cash Back review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.24% ‐ 27.24% (Variable) (0% for the first 6 months)
Interest Rate: Purchases
18.24% ‐ 27.24% (Variable) (0% for the first 6 months)
Balance Transfer
18.24% ‐ 27.24% (Variable) (10.99% for the first 6 months)
Balance Transfer
18.24% ‐ 27.24% (Variable) (10.99% for the first 6 months)
1% cashback
1% cashback
Signup Bonus
Signup Bonus

Informr score
The Discover it® Student Cash Back currently has an Informr score of 9.2 out of 10. This score is based on our evaluation of 31 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Discover it® Student Cash Back is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


This is a great card for a student learning to handle credit. On top of the rewards, you get a free FICO score, low fees and forgiveness for your first late payment.

- Melissa Lambarena, NerdWallet

One of the top student credit cards on the market, this card’s rotating cash back categories offer students on a budget a great variety. Its $0 annual fee, competitive cash back rewards rate and cash back match at the end of the first year give students a lot of value on everyday expenses.

- Reena Thomas, Bankrate

With competitive cash-back rates, the few drawbacks of the Discover it® Student Cash Back card don’t drag it down too much. The card, however, may not be a fit for students who study abroad or those who don’t want to put the effort into its somewhat complex cash-back rewards system. Otherwise, the D...

- Evan Coleman, Forbes

The Discover it® Student Cash Back* offers the best of all those features. Its rewards program is arguably the one of the best -- depending on your budget -- and the welcome bonus is currently unmatched. And even if you don’t want to use a credit card regularly, a short introductory APR makes this a...

- Jaclyn DeJohn, Cnet
Credit Karma
Credit Karma

The Discover it® Student Cash Back card is a solid card for college students with little or no credit history. The ability to earn cash back on all purchases can help offset some of your college expenses. But if the bonus categories don’t align with your spending habits, a more straightforward cash...

- Juan Ruiz, Credit Karma


Interest Rates
Regular APR Interest Rate 18.24% ‐ 27.24% (Variable) (0% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.24% ‐ 27.24% (Variable) (10.99% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

3% intro fee

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $41.00
  • Maximum
  • No late fee on your first late payment
Sign up bonus No
All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants,, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.
  • Online Privacy Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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