Discover it® Student Cash Back

Name: Discover it® Student Cash Back
Brand: Discover

Student rotating cash back. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Terms last checked August 5, 2026Issuer: DiscoverNetwork: Discover

BillSaver fitStudent rotating cash back

Students credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee

Rewards

5% cash back in activated quarterly categories up to the quarterly cap, then 1%; 1% on other purchases.

Welcome offer

$100 statement-credit bonus after you spend $300 in the first 3 months, plus Cashback Match for first-year cash back for new cardmembers.

Intro APR

0% intro APR for 6 months on purchases.

Regular APR

16.49% to 25.49% variable APR.

Balance transfer fee

Balance transfer fee applies.

Foreign transaction fee

Credit profile

Students

BillSaver's view

A no-fee first card with rewards and credit-bureau reporting.

Where this card can miss

Rotating categories and Discover acceptance both require a little planning.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.