The Discover it Student Cash Back card offers 5% cash back in rotating categories and 1% on other purchases.
Additionally, Discover offers a Cashback Match at the end of your first year, where they double all the cash back you earned with no limit.
So, if you’re ready to make the most of your spending, the Discover it Student Cash Back card could be the perfect fit for you.
How Does the Discover it® Student Cash Back Card Work?
The Discover it® Student Cash Back card gives 5% cash back in rotating categories like groceries and restaurants, up to the quarterly max when activated. Other purchases earn 1% unlimited cash back.
A standout feature is the Cashback Match, where Discover doubles all cash back earned at the end of the first year. This means students can maximize rewards without extra effort.
Students also benefit from a 0% intro APR for six months on purchases. After that, a variable APR of 17.24% to 26.24% applies, depending on creditworthiness.
All about the Discover it Student Cash Back Card
The Discover it® Student Cash Back card is a credit card designed for students who want to build their credit while earning rewards. It offers an easy entry point, as no credit history is required to apply.
This card provides a structured way for students to manage their spending responsibly. With cash back rewards and financial tools, it helps users learn healthy credit habits.
Additionally, it comes with no annual fee, making it a cost-effective choice. Keep reading to find out how this card works and how you can apply today.
Advantages of the Discover it® Student Cash Back Card
No Annual Fee
Enjoy all the card’s great benefits without worrying about unnecessary extra costs, making it a truly budget-friendly option for students.
5% Cash Back on Rotating Categories
Earn 5% unlimited cash back in select bonus categories like groceries, restaurants, and gas stations, up to the quarterly max when activated.
Unlimited Cashback Match
At the end of your exciting first year, Discover automatically doubles all the cash back you’ve already earned with no limits or restrictions.
0% Intro APR for Six Months
New cardholders enjoy an introductory 0% APR on purchases for six full months, followed by a variable APR of 17.24% to 26.24%.
Good Grade Reward
Receive a helpful $20 statement credit each academic school year your GPA remains 3.0 or higher, available for up to five years.
Free FICO® Credit Score Access
Monitor your personal credit health with free FICO® Score updates, helping you consistently track progress and build a strong history.
Freeze it® Security Feature
Easily lock or unlock your lost card through the Discover mobile app if misplaced, preventing unauthorized suspicious purchases in seconds.
Discover it Student Cash Back Pre-Approval Requirements
If you’re considering applying for the Discover it Student Cash Back, it’s important to check if you meet the basic requirements. The table below outlines the key eligibility criteria:
| Requirement | Details |
| Age | 18+ years old |
| U.S. Residency | Must have a valid U.S. address |
| Income | Must report a source of income |
| Student Status | Must be enrolled in college |
| Credit History | No prior history required |
Disclaimer: Meeting these requirements does not guarantee approval. Discover evaluates applications based on additional factors.
How to Apply for the Discover it Student Cash Back Card?
Applying for the Discover it Student Cash Back card is a simple and straightforward process. Follow these steps to submit your application through the official website:
- Go to the Discover Website: Visit the official Discover page for student credit cards.
- Check Eligibility: Ensure you meet the basic requirements, such as student status and U.S. residency.
- Complete the Application: Fill in your personal, academic, and financial details accurately.
- Review and Submit: Double-check your information before submitting to avoid delays.
- Wait for a Decision: You may receive an instant response or need to provide additional verification.
Who Is the Discover it Student Cash Back Card For?
The Discover it Student Cash Back card is tailored specifically for college students aiming to build their credit history while earning rewards. It’s an excellent choice for:
- Students with Limited or No Credit History: Designed for individuals new to credit, this card doesn’t require a prior credit score, making it accessible to those starting their financial journey.
- Active College Enrollees: Applicants must be enrolled in a two- or four-year college or university, ensuring the card serves the student demographic effectively.
- Responsible Spenders Seeking Rewards: Those who manage their expenses diligently can benefit from cash back on everyday purchases, aligning with students’ typical spending habits. discover.com
If you fit these categories and want to build credit, this card offers great benefits with no annual fee and 5% cash back on rotating categories.
Is the Discover it Student Cash Back Card Worth It?
For students beginning their credit journey, the Discover it Student Cash Back card offers valuable benefits. Its user-friendly features and rewards structure make it a strong contender among student credit cards.
Consider your spending habits. If the rotating categories match your expenses, this card is rewarding. Otherwise, a flat-rate cash back card may be better.
In conclusion, the Discover it Student Cash Back card is a worthwhile option for students seeking to build credit and earn rewards, provided they engage with its features responsibly.
Frequently Asked Questions About the Discover it Student Cash Back Card
The Discover it Student Cash Back card is designed for students to earn cash back on everyday purchases. It offers 5% cash back in rotating categories and 1% on other purchases.
Each quarter, you can earn 5% cash back in rotating categories after activating them. All other purchases earn 1% cash back automatically.
No, the Discover it Student Cash Back card has no annual fee, making it an affordable option for students looking to build credit.
The Cashback Match doubles the cash back earned during your first year. Discover automatically matches all rewards at the end of the year.