| Rewards | 5% cash back on rotating quarterly categories (like groceries, gas, restaurants, etc.), up to a quarterly cap when activated 1% cash back on all other purchases |
|---|---|
| Signup Bonus | Unlimited Cashback Match (first year) Discover matches all cash back earned at the end of your first 12 months No cap, no minimum spend requirement |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | ~29% variable APR (typically around 28.49%–29.99%) |
| Cash Advance Fee | $10 or 5% of the cash advance amount (whichever is greater) |
| Late Payment Fee | Up to $41 |
| Purchases APR | 0% intro APR for ~6 months (on purchases) After that: ~16.49% – 25.49% variable APR based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Discover it® Student Cash Back card is basically designed as a beginner-friendly credit card that helps students build credit while still earning solid rewards. It has no annual fee and offers 5% cash back on rotating categories (like gas, groceries, and restaurants) plus 1% on everything else. The standout feature is the first-year Cashback Match, which doubles all the cash back you earn, making the first year especially rewarding.
Most users say they like how easy it is to get approved, even with limited or no credit history, and many reviewers appreciate the built-in credit tools and student-friendly extras like occasional GPA rewards. People also tend to like the strong customer service and the fact that it actually “feels rewarding” compared to typical starter cards.
On the downside, many users mention that the rotating categories require attention and activation, which can be easy to forget. Some also feel the rewards structure becomes less impressive after the first year, especially compared to flat-rate cash back cards.
Personally, I think it’s one of the best “first credit cards” out there. It’s a great fit if you’re a student who wants to build credit and learn how rewards work, but if you want something low-maintenance long-term, a simple flat-rate card might be a better match.
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A
Great First Card Experience
As a freshman juggling textbooks and pizza runs, the Discover it Student Card made life easier automatic good grade rewards and hassle. Cash back surprises each quarter were a nice bonus.
