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Discover it® Student Cash Back review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 21.99% (Variable) (0% for the first 6 months)
Balance Transfer
12.99% ‐ 21.99% (Variable) (10.99% for the first 6 months)
1% cashback
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 23 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...


As far as student cards go, the Discover it® Student Cash Back remains a solid offering in 2021. With healthy, but capped cash back rewards and an introductory APR on purchases, the card can help those without storied credit histories build credit while experiencing a taste of bigger card benefits l...

- Chauncey Crail, Caroline Lupini, Forbes

The Discover it Student Cash Back card is the perfect card for students who don't mind doing a little bit of work to maximize their credit card rewards. That's because this card's rewards program provides 5% back on rotating categories each quarter, on up to $1,500 in purchases. To get the most from...

- Christy Rakoczy, FinanceBuzz

Discover it for Students is good if you are a student and looking to build your credit. I was pretty impressed with the rewards program. The cash back options available are a great incentive. Although this card doesn’t have the lowest APR around for a student card, it is still very good (its APR is...

- Taryn Estrada, CreditShout

If you can take advantage of its rotating bonus categories and unique cash back match, the Discover Student Credit Card makes a ton of sense. If you worry about maxing out the bonus categories or don’t see yourself spending enough to rack up significant cash back in your first year, a card with a fr...

- TJ Porter, Cardcruncher
Compare Cards

This card comes with everything you wish all cards came with – no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment. Your APR will not increase due to a late payment and cardholders will also enjoy an intro purchase APR of 0% for 6 months an...

- Compare Cards


Interest Rates
Regular APR Interest Rate 12.99% ‐ 21.99% (Variable) (0% for the first 6 months)

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

Balance Transfer Interest Rate 12.99% ‐ 21.99% (Variable) (10.99% for the first 6 months)

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

Cash Advance Interest Rate 24.99% (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 $40.00
  • 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.

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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