https://www.discover.com/credit-cards/?defaultoffer=yes&icmpgn=do-af-it-student-it

Discover It® Student Cash Back

No credit score required to apply13

Apply in minutes with our easy application process.

★★★★★
★★★★★
x / 5 Average of x Reviews14

See how we calculate our ratings

Discover Student It Card
★★★★★
★★★★★
x / 5 Average of x Reviews14

See how we calculate our ratings

Safer than cash, there when you need it

A credit card gives you access to money in case of an emergency – without the added security risk of keeping cash on hand.

Earn rewards while building your credit with responsible use.9



Inward Curve

Earn rewards while building your credit with responsible use.9



Inward Curve

Compare Student Cash Back Credit Cards

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Compare Student Cash Back Credit Cards

Discover it® Student Cash Back

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Rewards

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically  2

 

See issuers' websites for their new cardmember bonuses

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

 

Plus, earn 1% cash back on all other purchases.

 

See rewards for compared and similar cards

Redeem your rewards for cash in any amount

Redeem your rewards for cash at any time3

Your cash back never expires3

Use your rewards instantly at Amazon.com checkout 6

Use your rewards instantly when you pay with PayPal11

Security

Free recurring help removing your personal information from select people-search sites that could sell your data. Activate by mobile app15

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card12

Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4

Activate free alerts to know when anyone pulls your credit, so you can recognize possible fraud 1 +

Activate free alerts to know when any new credit, mortgage, car loan or other account shows up on your credit report 1 +

Activate free alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites 1

Free overnight shipping for card replacement to any U.S. street address at your request 7

Value

Paying late won't raise your APR

No late fee on your first late payment

Service

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5

100% U.S. Based Customer Service available any time16

Show all features and compare


Inward Curve

Benefits that don't just talk the talk

Over 600,000 new student cardmembers referred by their friends over the past 5 years

  • Refer a friend and get a statement credit for each friend who becomes a cardmember.10

SemiCircle Curve

x% Intro APR for x months on purchases. Then x% - x% Standard Variable Purchase APR will apply.

Discover it® Student Cash Back credit card

Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR x% variable to x% variable, based on your creditworthiness. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or x% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  1. Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  2. Cashback Match: Only from Discover as of January 2024. We’ll match all the cash back rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You’ve earned cash back rewards only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  3. Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

  4. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  5. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.


    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.

  6. Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.

  7. Free Overnight Card Replacement: Free overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  8. Acceptance: According to the Feb 2023 issue of the Nilson Report.

  9. Build credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.

  10. Refer-a-Friend: Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if their friend applies online for the specific offer sent via the digital link provided and is approved by 11:59pm ET, December 31, 2024. Phone, mail-in, and other digital applications are not eligible for referral rewards. Maximum annual referral amount will be stated in individual referral offers upon login. You are not eligible to refer a friend if you have a Discover it® Secured Credit Card, or Discover it® Business Card. Your account must be open and in good standing to receive your referral reward. Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. You will not be notified whether a specific referral was approved or declined. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Statement credits you receive may be taxable to you. Please contact your tax advisor. Offer may not be combined with any other introductory offer.

  11. Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions.

    All reward redemptions are subject to Discover’s reward program terms. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction.

    PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.

  12. $0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.

  13. No Credit Score Required: Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation.

  14. About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

  15. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

  16. 100% U.S. Based Customer Service: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.

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