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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Compare Student Cash Back Credit Cards

Discover it® Student Cash Back

Bank of America Customized Cash Rewards Credit Card for Students ‡

Bank of America Unlimited Cash Rewards Credit Card for Students

Chase Freedom Rise Card

Chase Amazon Visa Card

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, 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.3

Your cash back won't expire for the life of your account.3
Use your rewards with PayPal at select merchants.6

Security

$0 Fraud Liability Guarantee - you're never responsible for unauthorized purchases on your credit card.7

Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases and cash advances.4
We'll monitor your credit report and notify you if anyone pulls your credit, so you can recognize possible fraud if you activate our free service.1

We'll monitor your credit report and alert you when any credit card, mortgage, car loan or account shows up on your credit report if you activate our free service.1

We'll notify you if your Social Security number is found on the dark web if you activate our free service.1

Value

No late fee on your first late payment.*

Service
Get your FICO® Credit Score and more for free.† 5

Customer service available 24/7 by phone, online, or mobile app.9

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Discover it® Student Cash Back credit card

*Purchase APR: x% intro rate for x months, then x% variable to x% variable. Balance Transfer APR: x% intro rate for x months, then Purchase APR applies. Cash Advance APR: x% variable. Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: x% intro fee of the amount transferred; x% fee for future transfers. Annual Fee: None. Rates as of .

  1. Discover® Identity Alerts (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 the dark web known for revealing personal information and an alert if your Social Security number is found. Alerts are offered by Discover, a division of Capital One, N.A., (Discover) at no cost, are available only online, and do not impact your credit score. 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.

  2. 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.

  3. Rewards Redemption: If your account is closed, we will send you a check or credit your account with your rewards balance; we reserve the right to determine the method to disburse your rewards balance. 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. Rewards redeemed for gift cards require a minimum amount to redeem.

  4. Freeze your account: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity may continue including merchant initiated or merchant-indicated recurring transactions, as well as returns, credits, dispute adjustments, 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. 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.

  6. Use Rewards with Paypal: To use your eligible Discover credit card to shop with rewards at participating retailer(s), your account must be in good standing to be linked with participating retailer(s). By using your card at participating retailer(s), you authorize and direct Discover to share information about your Discover credit card account with the participating retailer(s) and/or their affiliates. Discover rewards may be redeemed to pay for all or a portion of eligible purchases. Rewards will be deducted from your rewards balance at the time the order is placed. Determination of item/merchandise eligibility to shop with rewards is at the sole discretion of the participating retailer(s). Returns and refunds are subject to the returns policy of the retailer(s). Any previously-disclosed terms associated with this rewards program also apply. Additional retailer(s) service terms may apply.

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

  7. $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.

  8. 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.

  9. Real human customer service 24/7: 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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