Discover It® Student Cash Back

Earn top-tier rewards and build credit history

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No annual fee. No credit score required to apply*

Discover it® Cash Back Credit Card

See what other students think

★★★★★
★★★★★

x Average of x Reviews

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"This is my first credit card and truly has made my experience. Discover's [online] dashboard helps you stay on track of your remaining balance and what transactions have hit your account. My favorite feature is definitely the cash back rewards. Totally recommend to anyone who has never had a credit card." - samiii

"The cashback feature is amazing. I would recommend this credit card to anybody looking for a credit card." - joesmama

"The FICO credit score tool is also really helpful and has helped me to understand what inputs go into my credit score. I have already referred this card to multiple friends!!! :)" - christian2570
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Discover it® Student Cash Back Card Benefits

5%
Cash Back
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,12 grocery stores, restaurants, gas stations and when you pay using PayPal,13 up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
5% Cashback Calendar
Unlimited
Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year.1 So you could turn $50 cash back into $100. Or $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Redeem
Rewards your way

Redeem for cash in any amount, any time.3 Even use your rewards to shop for whatever you need at Amazon.com6 or at millions of online stores with PayPal.13

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Inward Curve

The Discover it® Student Cash Back Card earns 5% in select categories

shopping cart
Jan - Mar 2022
5% at Grocery Stores and Fitness Club & Gym Memberships

on up to $1,500 in purchases when you activate. Excludes Walmart and Target purchases.2

gas stations
Apr - Jun 2022
5% at Gas Stations and Target

on up to $1,500 in purchases when you activate.3

restaurants
Jul - Sept 2022
5% at Restaurants and PayPal

on up to $1,500 in purchases when you activate.4

digital wallets
Oct - Dec 2022
5% at Amazon.com and Digital Wallets

on up to $1,500 in purchases when you activate.5

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99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.6

Inward Curve

Discover it® Student Credit Card FAQs

While paying a bill can be daunting, Discover offers convenient email and text alerts you can activate to help you when the following happens:

        a. Your statement is available.

        b. Your minimum payment is due.

        c. Your payment is posted.      

        d. Your card is declined.

        e. Merchant refund is posted.

        f. Balance transfer is posted.

 

These alerts can also be cancelled at any time. Interested? You can sign up here

When you graduate, call us to update your income and housing information, and you may become eligible for credit line increases.

After you graduate from college, your student credit card will become a standard credit card. You’ll keep the same cash back program and card design. And you may qualify for a credit line increase to handle expenses more easily after school. Be sure to provide Discover with your current income after graduation.

Discover Student credit cards are meant to give you the opportunity to build your credit history, and earn cash back rewards on purchases.

While the concept of "building credit" may sound like a lot of hard work, it's a fairly simple process. These are ways to build your credit responsibly.7

  • Make all payments on-time
  • Either pay your balance in full, or try to pay more than your minimum each month
  • Avoid carrying a balance -- meaning you pay your balance in full and on time each month -- in order to avoid paying interest on purchase.

To compare student cash back credit cards, look at the percentage of cash back each card offers, whether there's an annual fee, and what APR you'll pay on purchases. If you plan to travel outside the U.S., check whether there are foreign transaction fees. The Discover it Student Card has no annual fee, and it offers a low intro APR
Read All Student Card FAQs
Discover Credit Card Designs

Which Discover it® Card design fits your style?

Choose from several colorful card designs when you apply to become a cardmember. Go ahead – express yourself.

Apply and Pick a Design Apply and Pick a Design

Designed just for students

The Discover it® Student Cash Back Card helps you build credit with responsible use7 with our lowest intro APR: x% Intro APR† for x months on purchases. Then x% - x% Standard Variable Purchase APR will apply.

†See rates, rewards and other info > , Opens new window
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Bring your Discover account with you on-the-go

{rating} average out of {total} ratings on the App Store as of {date}

Use your Discover student login to set alerts, view your FICO® Score for free8 and more, all from your smartphone, tablet or wearable.

 

Online Privacy Protection: We’ll help regularly remove your personal info from ten popular people-search websites that could sell your data. Activate for free with the Discover app.15

Track and redeem cashback reward

Easily message us for customer service right from our app

Free Social Security number alerts: we'll monitor thousands of Dark Web sites when you sign up.9

Freeze it® - if you misplace your card, freeze your account to prevent new cash advances, purchases and balance transfers.10

Discover IT Credit Card
Student checking a Discover it® student credit card referral email on her mobile phone

Over 500,000 new student cardmembers referred by their friends

Once you become a Discover it® student cardmember, you can earn a statement credit each time you refer a friend and they’re approved.11

Looking to get started with a student cash back card?

See how the Discover it® Student Cash Back Card is a great place to start.

How Do I Choose a Credit Card for My Teenager? >

 

Credit card, secured or student credit card - what’s best for your teen? What they need to know before getting their first credit card.

Are You Ready for Your First Credit Card? >

 

Learn whether you’re ready for your first credit card, how to choose a starter credit card, and the best ways to build your credit history.

How to Get Your First Credit Card: A 7-Step Guide? >

 

From payments to rewards, ensure you start your credit history off right with these 7 tips for applying for your first credit card.

Apply Now

*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.

  1. Cashback Match: Only from Discover, as of August 2022. 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.

  2. Q1 Program Details: Activate to earn 5% Cashback Bonus at Grocery Stores (stand-alone) and Fitness Club & Gym Memberships from 1/1/22 (or the date on which you activate 5%, whichever is later) through 3/31/22, on up to $1,500 in purchases. Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not eligible. Fitness Club & Gym Memberships include membership fees and purchases at health clubs. Athletic or recreation facilities may be eligible. Virtual and in-person fitness classes may be eligible. Individual merchants and stand-alone stores within fitness clubs, gyms, athletic or recreation facilities may not be eligible in this category. Purchases must be made with merchants in the U.S. To qualify for 5%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 5% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  3. Q2 Program Details: Activate to earn 5% Cashback Bonus at Gas Stations (stand-alone) and Target from 4/1/22 (or the date on which you activate 5%, whichever is later) through 6/30/22, on up to $1,500 in purchases. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Target purchases include those made at Target.com, through the Target app, or in-store at Target. Purchases from individual merchants and stand-alone stores within physical Target locations may not be eligible for this promotion. Purchases made online or through the Target app from Target affiliates, individual merchants or stand-alone stores may not be eligible for this promotion, including, but not limited to, targetoptical.com and targetphoto.com. Target and the Bullseye Design are registered trademarks of Target Brands, Inc. Listed merchants are in no way sponsoring or affiliated with this program. Purchases must be made with merchants in the U.S. To qualify for 5%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 5% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  4. Q3 Program Details: Activate to earn 5% Cashback Bonus at Restaurants and PayPal from 7/1/22 (or the date on which you activate 5%, whichever is later) through 9/30/22, on up to $1,500 in purchases. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. PayPal eligible purchases are made through the PayPal wallet online, money transfers via PayPal using your card, and point-of-sale transactions using PayPal Here. Payments made through Xoom transfer services are not eligible for 5%. Using PayPal on restaurant purchases will only earn a total of 5%. PayPal and the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Purchases must be made with merchants in the U.S. To qualify for 5%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 5% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  5. Q4 Program Details: Activate to earn 5% Cashback Bonus at Amazon.com and Digital Wallets from 10/1/22 (or the date on which you activate 5%, whichever is later) through 12/31/22, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Also includes in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star. The Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Digital Wallet purchases include those made online and in-store with your smartphone, tablet, or wearable. Wallets that qualify include Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. Using digital wallets to make purchases on Amazon.com will only earn a total of 5%. Listed merchants are in no way sponsoring or affiliated with this program. Purchases must be made with merchants in the U.S. To qualify for 5%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 5% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  6. Acceptance: According to the Feb 2022 issue of the Nilson Report.

  7. Builds 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 other credit card accounts and loans may adversely impact your ability to build credit.

  8. 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. To learn more, visit Discover.com/FICO.

  9. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (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. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. 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.

  10. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, 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.

  11. Refer-a-Friend: Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if their friend applies for the specific offer sent via the link provided and is approved by December 31, 2022. Referral reward statement credit amounts range from $50 to $100 and 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 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.

  12. Amazon: Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

  13. PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.

  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. Approximately every 90 days we will scan for your online personal information at 10 select people search sites and submit opt-out requests on your behalf. Types of personal information found on these sites will vary.

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