Discover Student Cash Back

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The Discover it® Student Cash Back card is designed for students who want to build credit while earning rewards on everyday purchases.

Credit Card
Discover Student Cash Back
5% cash back No annual
Build credit
How to Apply You will remain on the current site

With 5% cashback on rotating categories and unlimited 1% cashback on all other purchases, it’s a great way to learn financial responsibility while enjoying tangible benefits.

With no annual fee, a forgiving first late payment fee waiver, and a first-year Cashback Match that doubles your rewards, this card offers the perfect combination of rewards and flexibility for students.

Let’s explore why the Discover it® Student Cash Back card is a standout choice for college students.

Rewards Tailored for Students

The Discover it® Student Cash Back card offers 5% cashback on purchases made in rotating categories, such as dining, groceries, gas, and online shopping, on up to $1,500 in purchases each quarter (after activation).

For all other purchases, you’ll earn unlimited 1% cashback, ensuring every dollar spent earns rewards.

What sets this card apart is Discover’s Cashback Match program. At the end of your first year as a cardholder, Discover will match all the cashback you’ve earned, effectively doubling your rewards. This is an excellent opportunity for students to maximize their savings.

With no annual fee and access to tools like free FICO® score monitoring, the Discover it® Student Cash Back card makes it easy to manage your finances while earning rewards.

Pros and Cons

Pros

  • 5% cashback on rotating categories (after activation).
  • Unlimited 1% cashback on all other purchases.
  • First-year Cashback Match doubles your rewards.
  • No annual fee and first late payment fee waived.

Cons

  • 5% cashback is capped at $1,500 in purchases per quarter.
  • Rotating categories require activation.
  • High APR if balances are carried.

How Do I Know If the Discover it® Student Cash Back Is the Best Credit Card for Me?

The Discover it® Student Cash Back is an excellent choice for college students who want to build credit responsibly while earning rewards.

If you’re willing to activate the rotating 5% cashback categories and pay off your balance in full each month, this card offers substantial rewards and long-term benefits.

Additionally, the first-year Cashback Match and no-annual-fee structure make it a cost-effective way for students to start their credit journey.

However, if you prefer a simpler rewards structure or anticipate carrying a balance, you might want to explore other student credit card options.

Why Do We Like This Card?

We like the Discover it® Student Cash Back card because it offers valuable rewards while focusing on the unique needs of students.

The 5% cashback on rotating categories and first-year Cashback Match make it easy to maximize savings, while features like no annual fee and a first late payment fee waiver add forgiveness and accessibility.

For students looking to build credit and earn rewards, this card provides a perfect balance of practicality and perks.

You will remain on this website