With its rotating 5% cashback categories and unmatched first-year Cashback Match, this card ensures that every swipe adds value to your everyday spending. From groceries and dining to online shopping and gas, the Discover it® Student Cash Back card helps you earn while you learn.
Designed specifically for students, this card combines generous rewards with practical features like free credit score monitoring and no annual fee. Whether you’re covering college essentials or enjoying a night out with friends, the Discover it® Student Cash Back Card makes managing your finances simple, rewarding, and empowering.
Benefits of the Discover it® Student Cash Back Card
5% Rotating Cashback Categories: Earn 5% cashback on everyday purchases in rotating categories each quarter (up to the quarterly maximum after activation), including groceries, restaurants, gas stations, and online shopping.
1% Unlimited Cashback on All Other Purchases: No matter where or how you spend, earn 1% cashback on all other purchases with no limits or restrictions.
First-Year Cashback Match: At the end of your first year, Discover will match all the cashback you’ve earned—dollar for dollar! Whether you earn $50 or $500, they’ll double it, making this one of the most rewarding cards for students.
No Annual Fee: Keep all your rewards without worrying about an annual fee. The Discover it® Student Cash Back Card is 100% fee-free.
Good Grades Reward: Earn a $20 statement credit each school year your GPA is 3.0 or higher (for up to five years). It’s a great way to celebrate academic success.
Free FICO® Credit Score Monitoring: Stay on top of your credit health with free access to your FICO® Credit Score through the Discover app or website.
Fraud Protection and Zero Liability: Enjoy peace of mind with advanced fraud protection and Discover’s Zero Liability policy, which ensures you’re not responsible for unauthorized charges.
Freeze It® Feature: Misplaced your card? Freeze your account instantly through the Discover app to block new purchases, cash advances, and balance transfers.
No Foreign Transaction Fees: Study abroad or shop internationally without worrying about extra charges—there are no foreign transaction fees with this card.
24/7 Customer Support: Get help anytime with Discover’s U.S.-based customer service team, available 24/7 to answer your questions or resolve issues.
Customizable Alerts: Tailor your notifications to receive timely updates about upcoming due dates, completed transactions, or payment confirmations. These alerts help you stay on top of your financial obligations and maintain a clear overview of your spending.
Introductory APR on Purchases: Benefit from a six-month 0% APR on new purchases, giving you extra breathing room for larger expenses. This introductory period allows you to manage your cash flow more effectively and potentially save on interest charges.
Redeeming rewards: Redeeming your rewards is both simple and flexible: you can apply cashback as a statement credit, transfer funds directly to your bank account, use them at checkout on Amazon, or opt for gift cards. There’s no minimum redemption threshold, and your cashback rewards never expire, giving you complete freedom to use them whenever and however you choose.
Who Can Apply?
Eligibility criteria for the Discover it® Student Cash Back Card:
- Age: Must be at least 18 years old.
- Student Status: Must be a current college student.
- Residency: Must be a U.S. resident with a valid Social Security Number.
- Income: Provide proof of income or access to funds to meet payment obligations.
- Credit History: Suitable for those new to credit or with limited credit history.
How to Apply
- Visit Discover’s Website: Navigate to the Discover it® Student Cash Back application page.
- Complete the Application: Fill in your personal, educational, and financial details.
- Submit Required Documents: Provide proof of income or a co-signer if requested.
- Await Approval: Discover will review your application and notify you of the decision.
- Receive Your Card: Once approved, your card will be mailed to you.
Frequently Asked Questions
What are the rotating cashback categories?
These categories change quarterly and include everyday spending areas like groceries, gas, restaurants, and online shopping.
Is the card suitable for studying abroad?
Yes, the card has no foreign transaction fees, making it ideal for international use.
Does the card include fraud protection?
Yes, Discover offers advanced fraud protection and Zero Liability for unauthorized transactions.
How do I qualify as a student?
You must be currently enrolled in a college or university and provide proof of enrollment if requested.
