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Discover it® Student Cash Back
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Discover it® Student Cash Back

A no-annual-fee cash back card from Discover.

Cash back only
Annual fee
No annual fee
Welcome bonus
Cashback Match in year 1
Min spend
No minimum
Recommended credit
New to Credit (580+)
Network
Discover
Foreign transaction fee
None
Apply on Discover site8.7/10Our rating · review ›

Rates, fees, and full terms are set by Discover and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

5% cash back on rotating quarterly categories (up to $1,500/qtr)
1% on everything else
Unlimited Cashback Match, all cash back doubled in year 1 automatically

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No credit score history required to apply
$20 Good Grades Reward each school year (3.0+ GPA)
No annual fee, no foreign transaction fees, no late fee first time
Free FICO® credit score
Freeze account via app, $0 fraud liability
Path to upgrade to a regular Discover card after graduation

Alternatives to the Discover it® Student Cash Back

Pairs well with

The Discover it® Student Cash Back earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Discover it® Student Cash Back lands.

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