Written Best for
- Cash Back Seekers
- Students
- Bad Credit
- U.S. Supermarket Spending
Considerations
- Rewards Program (Cashback, Points, Miles)
- Reward Redemption Options
Pros
- No annual fee
- Making it accessible for those with limited or bad credit
- Earn cash back in bonus categories
- Take advantage of an introductory APR period
- Your activity is reported to all three major credit bureaus.
Cons
- New credit users may find the quarterly category rewards system complex
- The card lacks an introductory APR on balance transfers, which may not be ideal for those looking to consolidate debt.
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
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See our full methodologyIn This Review
Review: Discover it® Student Cash Back Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score Discover it® Student Cash Back Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Exceptional |
| Regular APR | Good |
| Annual Fee | Exceptional |
| Welcome Bonus | Very Good |
| Rewards | Very Good |
| Benefits | Good |
| Recommended Credit Score | Very Good |
| Foreign Transaction Fee | Exceptional |
| Cash Advance Fee | Excellent |
| Balance Transfer Fee | Good |
Who can apply for Discover it® Student Cash Back Card?
We have categorized Discover it® Student Cash Back Card 4 main useful user criteria. it's applied using the Lootrs methodology.
Discover it® Student Cash Back Card Annual Fee
Card type: Student Credit Cards
Issuer Name: Discover
No annual fee
Elevate your financial journey with the Discover it® Student Cash Back credit card, featuring a $0 annual fee and a suite of tailored rewards and benefits to match your lifestyle and preferences.
Welcome Bonus
Discover matches all the cash back you earn at the end of your first year with the card, without any minimum spending or maximum rewards. This unique welcome offer prioritizes credit building over meeting spending requirements, making it ideal for students focusing on responsible financial habits.
While other top student cards may offer smaller sign-up bonuses, such as the Capital One Quicksilver Student Cash Rewards Credit Card with a $50 reward after spending $100 in the first three months, the Discover it® Student Cash Back card stands out. By maximizing spending caps each quarter, you could potentially earn a welcome offer of at least $300 by the end of your first year.
APRs: Discover it® Student Cash Back Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the Discover it® Student Cash Back Card.
| Type of APR | Rating |
|---|---|
| Intro APR - 0% APR on purchases for six months from account opening | 10/10Exceptional |
| Regular APR - 10.99% intro balance transfer APR for six months from date of first qualifying balance transfer, 18.24% to 27.24% ongoing variable APR | 8/10Good |
| Purchase - 18.24%-27.24% Variable APR | 8.6/10Very Good |
| Balance transfer - 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 18.24%-27.24% Variable APR | 8.2/10Good |
| Cash advance - Either $10 or 5% of the amount of each cash advance, whichever is greater. | 9.5/10Excellent |
| Penalty - None the first time you pay late (after that, up to $41) | 9/10Very Good |
Discover it® Student Cash Back Card Benefits
Certainly! Here's a table. It shows the benefits of the Discover it® Student Cash Back credit card:
| Benefits | Score |
|---|---|
| Freeze it® Easily place holds on stolen or missing cards directly through the app for added security and peace of mind. |
8.7/10Very Good |
| Access to Credit Education This feature is best for credit scores to improve. Gain access to Discover's Credit Scorecard with your FICO® Credit Score, monthly updates, and tips to help you understand and improve your credit. |
9.6/10Excellent |
| Cashback Match™ At the end of your first year with the card, Discover matches all the cash back you've earned, effectively doubling your rewards without any limit. so students benefit from doubling reward points for other spending. |
8.9/10Very Good |
| Rotating Bonus Categories Earn 5% cash back on everyday purchases in rotating quarterly bonus categories, such as gas stations, grocery stores, restaurants, and more, up to the quarterly maximum. |
9.6/10Excellent |
| Good Grade Reward Get a $20 statement credit each school year if your GPA is 3.0 or higher for up to the next five years. it's not a big reward but a small credit combination helps your spend. |
9.4/10Very Good |
Discover it® Student Cash Back Card Rewards
Discover it® Student Cash Back Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
- Enjoy 5% cash back on rotating quarterly bonus categories, up to $1,500 per quarter, with enrollment required.
- Earn 1% cash back on all other purchases.
- Plus, receive a cash back match at the end of the first year.
Discover it Student Cash Back Rewards Potential
| Category | Cash Back Percentage | Estimated Annual Spend | Estimated Annual Earnings |
|---|---|---|---|
| Gas Stations | 1% | $600 | $6 |
| Grocery Stores | 1% | $1,200 | $12 |
| Restaurants | 1% | $1,000 | $10 |
| Amazon.com | 1% | $1,500 | $15 |
| All Other Purchases | 1% | $3,700 | $37 |
| Total | $7,000 | $80 |
Recommended Credit Score
Credit Score : 630 - 689 (Poor - Fair)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.For individuals considering the Discover it® Student Cash Back Card, we recommend a credit score between 630 (Poor) and 689 (Fair). This range ensures eligibility for personalized benefits and rewards that complement your credit profile. Apply now to access exclusive perks and enhance your credit card experience with us.
Compare The Discover it® Student Cash Back Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Discover it® Student Cash Back Card
|
Bank of America® Customized Cash Rewards Card
|
Capital One SavorOne Student Cash Rewards Card
|
|---|---|---|
| 9.0MyCreditCardLab Score |
8.7MyCreditCardLab Score MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
9.1MyCreditCardLab Score MyCreditCardLab Score 9.1We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
| INTRO APR | ||
| 0% intro APR for 6 months | 0% first 15 billing cycles | 0% intro APR for 15 months |
| REGULAR APR | ||
| 18.24% - 27.24% Variable APR | 18.24% - 28.24% Variable APR | 19.99% - 29.99% (Variable) |
| WELCOME BONUS | ||
| Discover will match all cash back earned at the end of your first year with the card. | $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. | Earn $50 Cash Back when you spend $100 in the first three months |
| REWARDS | ||
| 5% cash back on rotating quarterly bonus categories | choose the category that earns 3% for eligible spending. | Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases. |
| BENEFITS | ||
| Choice of card designs, Text and email alerts | $0 liability guarantee for fraudulent transactions, Paperless statement, Digital wallet | No annual fee, International use, Entertainment |
| CASH ADVANCE FEE / APR | ||
| 5% (min $10) / 18.24% - 27.24% Variable | 3% (min $10) / 3% | 5% (min $5) / 5% |
| BALANCE TRANSFER FEE | ||
| 10.99% APR on Balance Transfers for 6 months, and then 18.24%-27.24% Variable APR | 3% for 60 days from account opening, then 4% | 0% APR on Balance Transfers for 15 months, and then 19.99% - 29.99% Variable APR |
| RECOMMENDED CREDIT SCORE | ||
| 630 - 689 (Poor - Fair) | 690 - 850 (Fair - Exceptional) | 630 - 689 (Poor - Fair) |
| FOREIGN TRANSACTION FEE | ||
| None | 3% | None |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
Discover Credit Card Login
Follow these easy steps:
Step 1. Go to the Login Discover Credit Card page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Discover Credit Card Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the Discover it® Student Cash Back credit card below and get the answers you're looking for.
Up to $1,500 in quarterly bonus categories are worth 5% cash back with the Discover it Student Cash Back card. After that, other purchases get 1% cash back. To be eligible for the greater cash-back rate, you must enlist in the quarterly bonus categories.
Usually, you have to be a student with little or no credit history. That's in order to be eligible for the Discover it Student Cash Back card. Also, candidates must meet certain standards. These include age and income requirements.
No, the Discover it Student Cash Back card $0 annual fee. This makes it a great option for students looking to build credit without incurring extra costs. Annual $0 is good for students to save extra money.
No, the Discover it Student Cash Back card has no fees for international transactions. It helps students studying overseas or traveling abroad. It makes things easier.
You can get your cash back rewards from the Discover it Student Cash Back card in many ways. These include statement credits. They can come from direct deposits or using them to buy things on Amazon.com. You can also redeem your rewards for gift cards.
If you can help someone with social organizations, donate them to select charities.
