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With 5% cashback on rotating categories, a first-year Cashback Match, and no annual fee, this card offers an excellent way to develop smart financial habits while benefiting from everyday spending.
Disclaimer: You will be redirected to the official website.
Benefits of Discover it® Student Card
- 5% cashback on rotating categories (up to $1,500 in purchases per quarter, then 1%)
- 1% unlimited cashback on all other purchases
- No annual fee, making it an affordable option for students
- Cashback Match—Discover will match all cashback earned in the first year
- 0% Intro APR for 6 months on purchases
- Free access to your FICO® credit score, helping you monitor your credit
- Reports to major credit bureaus, helping you build a strong credit history
- $0 fraud liability and security alerts for safe spending
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Pros
- High rewards rate with 5% cashback on rotating categories
- First-year Cashback Match, doubling your rewards
- No annual fee, keeping costs low for students
- Free credit score tracking to build good financial habits
- No credit history required, making it a great first card
Cons
- 5% cashback requires quarterly activation
- Credit limit may be lower than traditional credit cards
- Rotating categories may not always match your spending habits
about the card
The Discover it® Student Card is a perfect entry-level credit card for college students who want to build credit and earn cashback. With no annual fee, students can enjoy 5% cashback on rotating categories and 1% on all other purchases, making everyday spending more rewarding.
One of its standout benefits is Discover’s Cashback Match, which doubles all cashback earned in the first year—an exclusive perk that maximizes rewards for students learning to manage credit responsibly.
Additionally, this card helps build credit history by reporting to major credit bureaus, offering free access to FICO® credit scores, and providing financial tools to monitor and improve credit standing.
For students looking for a rewarding credit card with financial growth potential, the Discover it® Student Card is a fantastic choice.
How to Apply for the discover it® student Card
- Visit the Discover website and find the Student Card application page
- Click “Apply Now” to begin the application process
- Enter personal details, including name, address, and Social Security number
- Provide school information, including college name and student status
- List income sources, such as part-time jobs or financial aid
- Review and submit your application for approval consideration
- If approved, receive your card in 7-10 business days
Disclaimer: You will be redirected to the official website.
best card for students looking to build credit
The Discover it® Student Card is one of the best student credit cards for earning rewards while learning financial responsibility.
Top Benefits for College Students
- 5% cashback in student-friendly categories, such as dining and entertainment
- No annual fee, making it a budget-friendly option
- Cashback Match in the first year, doubling your rewards
- Reports to major credit bureaus, helping you establish credit
For students looking to build credit while enjoying cashback rewards, this card is a top choice.
Benefits Breakdown
| Feature | Details |
|---|---|
| Intro APR on Purchases | 0% for 6 months |
| Rewards Rate | 5% cashback on rotating categories, 1% on all other purchases |
| Annual Fee | $0 |
| Cashback Match | All cashback earned in the first year is doubled |
| Foreign Transaction Fees | None |
| Credit Building | Reports to major credit bureaus |
FIRST-YEAR CASHBACK MATCH DOUBLES YOUR EARNINGS
Discover will match all the cashback earned in the first 12 months, meaning students can double their rewards just for using their card wisely.
NO FOREIGN TRANSACTION FEES FOR STUDY ABROAD & TRAVEL
Unlike many student credit cards, Discover does not charge foreign transaction fees, making it an excellent choice for students traveling internationally.
How to Improve Your Credit Score to Get Approved for the discover it® student credit CARd
The Discover it® Student Card is ideal for building credit, but responsible use is key. Here’s how to increase your credit score while using this card:
- Always pay on time to maintain a strong payment history
- Keep your balance low by using less than 30% of your credit limit
- Monitor your credit score using Discover’s free FICO® credit score access
- Avoid unnecessary new credit applications, which can lower your score
- Use the card regularly, but only for purchases you can afford to pay off
Following these steps will help establish strong credit and set you up for financial success after graduation.
FINAL CONSIDERATIONS
The Discover it® Student Card is an excellent first credit card for students who want to build their financial foundation while enjoying cashback rewards. With no annual fee, a generous rewards program, and first-year Cashback Match, this card offers tremendous value while keeping costs low.
Beyond just earning rewards, this card plays a crucial role in helping students establish and strengthen their credit profiles. By reporting to major credit bureaus and offering free access to FICO® credit scores, students can develop responsible credit habits that will benefit them long after college.
For those who frequently spend in rotating cashback categories such as restaurants, gas stations, and online shopping, the 5% cashback offers excellent earning potential. Meanwhile, the 1% unlimited cashback on all purchases ensures steady rewards on everyday spending.
Additionally, Discover’s customer-friendly policies—such as no foreign transaction fees and $0 fraud liability—make this card a safe and convenient choice for students, whether they are studying abroad, traveling, or shopping online.
Overall, the Discover it® Student Card is more than just a credit card—it’s a financial tool that helps young adults start their credit journey on the right foot. Whether you’re looking for a way to earn rewards, manage expenses, or build a solid credit history, this card is an exceptional option that delivers long-term value.
If you’re a student looking for your first credit card, the Discover it® Student Card is a fantastic choice.