Compare Discover it^® Student Cash Back to other credit cards

New credit cards for students aren’t all the same. Compare student credit cards with this helpful chart to see how Discover stands out.

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No credit score required to apply⁹

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Compare Student Cash Back Credit Cards	Discover it^® Student Cash Back 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 x then the standard purchase APR applies. Standard purchase APR: x% 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 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by x 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.	Bank of America Customized Cash Rewards Credit Card for Students^‡ ChangeOpens modal dialog	Bank of America Unlimited Cash Rewards Credit Card for Students ChangeOpens modal dialog	Chase Freedom Rise Card ChangeOpens modal dialog	Chase Amazon Visa Card ChangeOpens modal dialog

Rewards
No Annual Fee
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically² 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 at Amazon.com checkout ⁶
Use your rewards with PayPal at select merchants⁸
Security
Free recurring help removing your personal information from select people-search sites that could sell your data. Activate by mobile app¹⁰
$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card⁹
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.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 time¹¹
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‡Cash back rewards – Bank of America Customized Cash Rewards for Students: 3% in the category of your choice: gas and EV charging station; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings, 2% at grocery stores and wholesale clubs, 1% on all other purchases. Bank of America Unlimited Cash Rewards Credit Card for Students: 1.5% cash back on all purchases. Chase Freedom Rise Card: 1.5% cash back on all purchases. Chase Amazon Visa Card: 3% back on Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), 1% back on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in April 2025.

†Compared card issuers may provide a FICO^® Credit Score or other credit score and other credit information. See issuers' websites for further details.

+Discover's free alerts are based on information from your Experian^® credit report.


Bank of America Customized Cash Rewards Credit Card for Students^‡ Selected	Bank of America Unlimited Cash Rewards Credit Card for Students Select	Chase Freedom Rise Card Select	Chase Amazon Visa Card Select

Ready to apply for the Discover it^® for Students Card?

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Discover^® Identity Alerts (Alerts) are offered by Discover, a division of Capital One, N.A., 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 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.
Cashback Match: We’ll match all the cash back 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 earn cash back 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; or rewards transfers from Discover checking or other deposit accounts. Your account must be open and in good standing to receive your Cashback Match. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
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. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed.
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.
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.
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.
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.
Use Rewards with PayPal: Paying with rewards using PayPal is not available at all merchants or for all purchases when checking out online or in app. Paying with rewards using PayPal may not be available when paying with the PayPal wallet or when making recurring payments. Paying with rewards using PayPal is not available in-store. PayPal and merchants determine whether paying with rewards is available to use at merchants, and Discover does not make that determination.

For complete details on how to Pay with Rewards with PayPal see http://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.
$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.
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. Not having a credit record may impact your approval odds.
Online Privacy Protection: Online Privacy Protection is offered by Discover, a division of Capital One, N.A., 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.

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Compare Discover it® Student Cash Back to other credit cards

Ready to apply for the Discover it® for Students Card?

Compare Discover it^® Student Cash Back to other credit cards

Ready to apply for the Discover it^® for Students Card?