Discover It Student Cash Back Credit Card Review

The Discover It Student Cash Back Credit Card is a fantastic choice for students eager to build credit while enjoying valuable rewards and perks. 

The Discover It Student Cash Back Credit Card is the perfect companion for students looking to establish credit while earning valuable rewards. Designed with your academic journey in mind, this card offers an exceptional cashback program, no annual fees, and student-focused perks. It’s not just a credit card—it’s a financial tool that helps you learn how to manage money responsibly while enjoying incredible benefits.

With features like rotating 5% cashback categories, unlimited Cashback Match in your first year, and free FICO score access, the Discover It Student Cash Back card ensures every purchase is rewarding. Whether you’re paying for textbooks, groceries, or late-night pizza, this card lets you earn while you spend, making it the ultimate choice for students looking to build a strong financial foundation.

CREDIT CARD

Discover it Student Cash Back

No credit score required to apply No annual fee

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Benefits of the Discover It Student Cash Back Credit Card

1. 5% Cashback on Rotating Categories

Earn 5% cashback on everyday purchases in rotating categories like gas stations, grocery stores, dining, and online shopping. Activate these categories quarterly to maximize your rewards and earn back on essential expenses.

2. Unlimited Cashback Match

Discover automatically matches all the cashback you’ve earned at the end of your first year. This means if you earn $100 in cashback, Discover will match it, turning it into $200—an unparalleled benefit for first-year cardholders!

3. No Annual Fee

Enjoy all the amazing benefits of this card without worrying about any annual fees. It’s an ideal choice for students who want to save money while building their credit.

4. 1% Cashback on All Other Purchases

Even outside the 5% rotating categories, you’ll earn unlimited 1% cashback on all your purchases. From small buys to big-ticket items, every swipe contributes to your rewards balance.

5. Free FICO Credit Score Access

Monitor your credit-building journey with free access to your FICO credit score. This feature helps you track your financial progress and learn how to improve your credit health.

6. Introductory APR Offer

Enjoy a 0% introductory APR on purchases for six months, helping you manage your finances with ease during your first semester or beyond.

7. Freeze It Feature

Misplace your card? No worries! With the Freeze It feature, you can temporarily lock your account to prevent unauthorized transactions, adding a layer of security to your finances.

8. $0 Fraud Liability

Feel safe knowing you won’t be held responsible for unauthorized purchases made with your card. Discover’s advanced fraud monitoring has you covered.

9. Late Payment Forgiveness

If you miss your first payment, you won’t incur a late fee. Discover understands that students are learning the ropes of financial management and offers this one-time forgiveness to help you adjust.

10. 24/7 U.S.-Based Customer Service

Access friendly and efficient support from Discover’s U.S.-based customer service team anytime, ensuring you have the help you need, when you need it.

11. Customizable Card Designs

Choose from a variety of card designs to match your personality and make your financial tool feel uniquely yours.

12. Automatic Alerts and Notifications

Stay on top of your finances with automatic alerts for payment due dates, suspicious activity, and spending updates, making financial management simple and stress-free.

13. Redeeming Rewards

Redeeming rewards is flexible and user-friendly. Use your cashback as statement credits, direct deposits, amazon purchases, or gift cards. There’s no minimum redemption amount, and your rewards never expire, giving you complete control over how and when you use them.

Who Can Apply for the Discover It Student Cash Back Credit Card?

Eligibility criteria for the Discover It Student Cash Back Credit Card:

1. Age: Must be at least 18 years old.
2. Student Status: Must be enrolled in a college or university.
3. Residency: Must be a U.S. citizen or permanent resident.
4. Credit History: No credit history is required, making it ideal for first-time cardholders.
5. Income: Must have a source of income to demonstrate ability to pay back balances.

How to Apply

1. Visit Discover’s Website: Navigate to the Student Cash Back Credit Card page.
2. Complete the Application Form: Provide personal, financial, and educational details.
3. Submit Supporting Documents: Upload proof of income and identification if requested.
4. Review and Submit: Verify your application details and submit.
5. Receive Approval: Once approved, your card will be sent to you.

Frequently Asked Questions

What happens if I miss a payment?

Your first missed payment won’t incur a late fee, but subsequent missed payments may.

Does the card offer fraud protection?

Yes, the card includes $0 fraud liability and robust fraud monitoring systems.

Can I use the card internationally?

Yes, Discover is accepted worldwide at merchants that recognize Discover cards.

Can I change my card design later?

Yes, Discover allows you to choose or update your card design at no extra cost.

CREDIT CARD

Discover it Student Cash Back

No credit score required to apply No annual fee

APPLY NOW You will be redirected