Discover it® Student Cash Back
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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.
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
| Security | Alerts, Card Lock |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay, Garmin Pay |
| Benefits | Free credit score access |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 18.24% - 27.24% (V) APR |
| Purchases | 0% 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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 650
Average Approved Credit Score: 688
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 06/02/2022 | Not Provided | ||
| Approved | 10/07/2022 | Equifax | ||
| Approved | 03/09/2022 | TransUnion | ||
| Approved | 03/09/2022 | Experian | ||
| Approved | 03/09/2022 | Equifax | ||
| Approved | 06/26/2022 | Not Provided |
Pros & Cons
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
- No welcome bonus
What Are the Best Alternatives?
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
Rating
4.4
Rewards Range
1.5% - 10%
Annual Fee
$0
Chase Freedom Rise℠
Rating
4.2
Rewards Range
1.5% cash back
Annual Fee
$0