The Discover it Student Cash Back

For a first credit card that feels like it’s cheering you on, the Discover it Student Cash Back is a fantastic choice to get you started on the right foot.

CREDIT CARD

Discover it Student Cash Back

No annual fee cash back

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Starting your credit journey can feel complicated, but the Discover it Student Cash Back card is designed to make it simple, educational, and rewarding. Built specifically for students, this card helps you learn responsible financial habits while earning great cash back on the things you already buy. With forgiving features and powerful credit-building tools, it’s the ideal first step toward a strong financial future.

Your First Credit Card Should Be Your Biggest Fan. This One Is.

What’s Inside Your Financial Starter Kit

• Rewards That Change with Your Semester: Your spending isn’t the same all year, and this card gets it. Every three months, you get to earn a huge 5% cash back in new categories like grocery stores for your ramen runs, restaurants for late-night study sessions, or gas stations for that spring break road trip.
• A Reward for Good Grades: This is amazing. Discover will actually give you a $20 statement credit each school year you maintain a GPA of 3.0 or higher for up to five years. You’re literally getting rewarded for hitting the books.
• The Ultimate First-Year Bonus: At the end of your first year as a cardmember, Discover will automatically double all the cash back you’ve earned. No fine print, no limits. If you earn $150, they’ll make it $300. It’s the most powerful welcome offer you could ask for.
• A Built-in Safety Net: College is for learning, and Discover knows that. The card has a $0 annual fee, they’ll waive your first late payment fee, and there are no foreign transaction fees, making it perfect for that study abroad trip you’re dreaming of.

A Few “Study Notes” for Using It Wisely

• You’re in Charge of Your Bonus: The 5% categories are awesome, but they aren’t automatic. You have to take a quick second to “activate” them online or in the app each quarter. Think of it as your first, easy homework assignment for managing your finances.
• There’s a Short Intro to 0% Interest: You get a 0% introductory APR on new purchases for your first 6 months, which is great. After that, the standard interest rate kicks in. This is your built-in lesson on the importance of paying your balance off each month to avoid interest.

Is This Card on Your Class Schedule?

If you’re a college student in the U.S. ready for your first credit card, the answer is a resounding “yes.” This card is designed from the ground up to help you build a great credit score while rewarding you for your life as a student. It’s forgiving, valuable, and educational all at once. It’s the perfect co-pilot for your journey into financial independence.