Starting college means managing more than just classes and assignments—it’s often your first step into adult responsibilities, including building credit. The Discover it® Student Cash Back card is designed to guide you through that journey with confidence. It’s a beginner-friendly credit card that blends everyday value, strong financial tools, and a stress-free user experience.
Whether you’re fueling up before class, grabbing lunch with friends, or buying supplies for the semester, this card helps you earn rewards on what you already spend. With rotating categories that adapt to your lifestyle and no annual fee, it’s a reliable choice that grows with you.
If you’re searching for a card that supports your goals and rewards smart habits, the Discover it® Student Cash Back deserves a closer look.
Discover it® Student Cash Back
No annual fee No credit score required to applyTop Benefits of the Discover it® Student Cash Back
- Bonus Cash Back Categories
Each quarter, Discover highlights everyday spending categories where you can earn 5% cash back, like grocery stores, restaurants, and online retailers, on up to $1,500 in purchases after activation. - Ongoing Rewards for All Purchases
No matter what you buy, you’ll earn 1% cash back automatically on every other purchase—not just the bonus categories. - Double the Rewards in Your First Year
As a new cardmember, every dollar of cash back you earn in the first year is matched automatically by Discover—there’s no limit or enrollment needed. - Zero Annual Fee and No Extra Costs Abroad
You’ll never pay a yearly fee to keep this card, and there are no foreign transaction fees when you make purchases outside the U.S. - Built-In Account Protection
If your card is lost or stolen, the Freeze It® feature lets you instantly pause new transactions from your app. Plus, you’re covered with $0 fraud liability. - Smart Credit Monitoring
Track your progress with free monthly access to your FICO® Score, and receive instant alerts about unusual activity or upcoming payments to help you stay organized. - Intro APR for New Purchases
Take advantage of 0% intro APR for 6 months on purchases, ideal for managing back-to-school expenses. After the promo period, a variable APR of 17.24% to 26.24% applies based on credit approval.
Who Can Apply and How to Get Started
To apply for the Discover it® Student Cash Back card, you’ll need to meet the following:
- Be a student enrolled at a two- or four-year college or university
- Be at least 18 years old
- Reside in the United States with a valid mailing address
- Provide identification, such as a Social Security Number or ITIN
- Share your income, which can include part-time work, allowance, or scholarships
Steps to Apply:
- Go to the Discover website and find the student card application page
- Check if you pre-qualify without affecting your credit score
- Fill in the application form with your personal, financial, and school details
- Review the card terms and conditions carefully
- Submit your application and receive a quick approval decision—often in less than a minute
Why This Card Is a Smart First Step
This card isn’t just about cash back—it’s about helping you build real financial confidence. Discover makes the process simple and student-friendly from the very start. The platform provides clear tools, helpful resources, and a support system that gives you more than a card—it gives you a foundation.
With Discover’s strong reputation for customer service and transparency, you’re not left guessing. You’re learning, managing, and growing—all with a card that adapts to your life.
Discover it® Student Cash Back
No annual fee No credit score required to applyFrequently Asked Questions (FAQs)
1. Can I apply even if I don’t have a credit score?
Yes, this card is designed for students with little or no credit history. A score is not required to apply.
2. What happens if I pay late?
Discover gives you flexibility: your first late payment won’t result in a fee, and your APR won’t increase as a penalty. However, paying on time helps protect your score.
3. How does the Cashback Match work?
At the end of your first 12 months, Discover automatically matches all the cash back you’ve earned. No sign-ups, no caps—just double the rewards.
4. Do I need to activate anything to get the 5% rewards?
Yes. You must activate the bonus categories each quarter to earn 5%. Activation takes only seconds through your app or online account.
5. How can I use my cash back?
Your rewards are flexible—redeem them as statement credits, direct deposits, gift cards, or use them at checkout with Amazon and PayPal.
