Discover it® Student Cash Back

Cash Rewards for College and Beyond

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Free Social Security number alerts
We'll monitor thousands of risky websites when you sign up.5

Good Grade Reward

Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years.2

5% Cash Back Rewards

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

5% Cashback Calendar. Opens in a new dialog window

Cashback MatchTM

We'll match all the cash back you've earned at the end of your first year, automatically.3

Compare Student Cash Back Cards

Table to compare Discover it® Student Credit Card with other Student Cash Back Cards
Discover it� Student Credit Card Discover it® Student Cash Back
No Annual Fee Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years.2 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2
See issuers' websites for their new cardmember bonuses.
Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically..
See rewards for compared cards
Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Redeem your rewards for cash in any amount Discover Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered
Redeem your rewards for cash at anytime 4 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Your cash back never expires Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Not Offered
Use your rewards instantly at Amazon.com checkout 9 Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Not Offered
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of risky websites.5 Discover Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report5 + Discover Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app & website 6 Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Not Offered
$0 Fraud Liability – You're never responsible for unauthorized purchases on your credit card Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Free overnight shipping for card replacement to any U.S. street address at your request8 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
Paying late won't raise your APR What is APR?
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What is APR?

An annual percentage rate (APR) is an interest rate that determines the finance charges you pay on your account if you carry a balance or take a balance transfer or cash advance. (Even if a customer pays the balance every month, we will charge interest on balance transfers and cash advances the day they post, so you cannot avoid interest charges for these types of transactions.)

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What is it?

An annual percentage rate (APR) is an interest rate that determines the finance charges you pay on your account if you carry a balance or take a balance transfer or cash advance. (Even if a customer pays the balance every month, we will charge interest on balance transfers and cash advances the day they post, so you cannot avoid interest charges for these types of transactions.).

Discover Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Offered
No late fee on your first late payment Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
No overlimit fee Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
No foreign transaction fee Discover Card Offered Competitor Card Offered Competitor Card Not Offered Competitor Card Not Offered
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more  7 Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Not Offered
100% U.S.-based customer service available any time Discover Card Offered Competitor Card Not Offered Competitor Card Not Offered Competitor Card Offered
Accepted nationwide by at least 97% of the merchants that take credit cards* Discover Card Offered Competitor Card Offered Competitor Card Offered Competitor Card Offered
Pay your bill up to midnight (ET) the day it's due by phone or online Discover Card Offered Competitor Card Not Offered Competitor Card Offered Competitor Card Offered
‡Cash back rewards – Capital One Journey Student Rewards Card: 1% on all purchases. Citi ThankYou Preferred Card for College Students: 2 points for each $1 spend on purchases on dining out and entertainment, 1 point for each $1 spent on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2018.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information.
&;Compared card issuers may have other new account alerts.
*According to the Feb 2018 issue of the Nilson Report.

Benefits that students can appreciate

Switch your account on/off in seconds.

You made it home, but your card didn't. No problem, just Freeze it® to prevent new purchases, cash advances and balance transfers on your account if you misplace your card.6

Do you know your credit score?

Lenders do and now you can, too. Get your FICO® Credit Score for free on monthly statements, online and mobile.7

Breathe easier.

Because we monitor every purchase, every day for suspicious activity. And, you're never responsible for unauthorized purchases on your Discover card account.

At your service.

Our U.S.-based customer service is here to help when you call—not to waste your time selling you other products.

No annual fee

0% Intro APR for 6 months on purchases and 10.99% Intro APR for 6 months on balance transfers.
14.99% – 23.99% Standard Variable Purchase APR applies.

Discover it® Student Cash Back credit card

  • * Intro purchase APR is 0% for 6 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by 1 10, 2019 ; then the standard purchase APR applies. Standard purchase APR: 14.99% variable to 23.99% variable, based on your creditworthiness. Cash APR: 26.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer . Annual Fee: None. Rates as of Month Date, YYYY. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  • **Activate to earn 5% Cashback Bonus at Amazon.com and Wholesale Clubs from 10/1/18 (or the date on which you activate 5%, whichever is later) through 12/31/18 on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Listed merchants are in no way sponsoring or affiliated with this program. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Check with your Wholesale Club to make sure your Discover card is accepted. Certain Wholesale Club services, such as travel and cell phone purchases may not be eligible in this category. Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.
  • **Activate to earn 5% Cashback Bonus at Amazon.com and Wholesale Clubs from 10/1/18 (or the date on which you activate 5%, whichever is later) through 12/31/18 on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Listed merchants are in no way sponsoring or affiliated with this program. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Check with your Wholesale Club to make sure your Discover card is accepted. Certain Wholesale Club services, such as travel and cell phone purchases may not be eligible in this category. Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.
  • * Activate to earn 5% Cashback Bonus at Amazon.com and Wholesale Clubs from 10/1/18 (or the date on which you activate 5%, whichever is later) through 12/31/18 on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Listed merchants are in no way sponsoring or affiliated with this program. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Check with your Wholesale Club to make sure your Discover card is accepted. Certain Wholesale Club services, such as travel and cell phone purchases may not be eligible in this category. Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.
  • **Activate to earn 5% Cashback Bonus at Amazon.com and Wholesale Clubs from 10/1/18 (or the date on which you activate 5%, whichever is later) through 12/31/18 on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com's marketplace. Listed merchants are in no way sponsoring or affiliated with this program. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Check with your Wholesale Club to make sure your Discover card is accepted. Certain Wholesale Club services, such as travel and cell phone purchases may not be eligible in this category. Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.
  1. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at
  2. Good Grade Rewards: *Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® Chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 statement credit ("Good Grade Reward"). This will be applied to your account within seven (7) business days. One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.
  3. Cashback MatchTM : Only from Discover, as of August 2018. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  4. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.
  5. 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 account is listed on your report; (b) daily monitoring of thousands of risky websites 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 .
  6. 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, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  7. 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 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 the 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 .
  8. Free Overnight Card Replacement: Overnight shipping is not available to P.O boxes or addresses outside the U.S Carrier overnight shipping limitations apply that may impact the exact delivery date.
  9. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see .
  • 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 account is listed on your report; (b) daily monitoring of thousands of risky websites 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 .
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