Discover it® Student Cash Back

The Discover it® Student Cash Back is a cash back card for students new to credit building. This card offers up to 5% cash back on rotating categories each quarter. While there’s no welcome bonus, you do get cash back match for the first year. For example, If you earn $100 in cash back your first year, Discover will match it and you’ll earn $200. You can also get 0% intro APR for 6 months months on purchases and 10.99% intro APR on balance transfers for 6 months. There’s an app with access to your credit score and it also makes it easy to track your rewards. Another bonus, you can activate free alerts and Discover will let you know if your social security number pops up on the dark web. We dive into the details and your approval odds in this Discover It Student review.

Discover it Student Cash Back

Our Rating

4.0/5.0

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Annual Fee

$0

0% on Purchases

6 months

Reward Rate

1% – 5% cash back

0% on Balance Transfers

None

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Features & Benefits

SecurityAlerts, Card Lock
Contactless PaymentsApple Pay, Google Pay, Samsung Pay, Garmin Pay
BenefitsFree credit score access
Travel PerksNone

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases.
5% cash back
Rotating Categories
Earn 5% cash back on rotating categories up to the quarterly maximum when you activate.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR18.24% - 27.24% (V) APR
Purchases0% Intro APR for 6 months on purchases, then 18.24% - 27.24% (V) APR after that.

What Credit Score Is Required to Get the Discover it® Student Cash Back

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved06/02/2022
650
Not Provided
$500
Approved10/07/2022
660
Equifax
$1,500
Approved03/09/2022
680
TransUnion
---
Approved03/09/2022
692
Experian
---
Approved03/09/2022
705
Equifax
---
Approved06/26/2022
741
Not Provided
---

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • No welcome bonus

What Are the Best Alternatives?

Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card

Rating

4.5

Rewards Range

1 to 3% cash back

Annual Fee

$0

Capital One Quicksilver Student Cash Rewards Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card

Rating

4.4

Rewards Range

1.5% - 10%

Annual Fee

$0

Chase Freedom Rise℠
Chase Freedom Rise℠

Rating

4.2

Rewards Range

1.5% cash back

Annual Fee

$0

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