Student version Discover It Cash Back Card

The Discover It® Student Cash Back Card is definitely the right choice for college students from the US who want to gain bonuses but at the same time build up their credit score. The card attracts all types of clients by offering not only cash back and no fee but also a good welcome rate APR.


The ultimate key benefits

Cash back rewards:

  • Earn 5% cash back on regular purchases in different stores every quarter; remember to turn it on in each quarter for total cash back bonus up to that quarterly limit. Not only that but you can make 1% of cash back on each one of your other purchases as well.

Good grade reward:

  • Obtain a lump sum cash reward for every other favorable grade on fresh student loan loan.

No annual fee:

  • Avoid a yearly fee to be able to utilize all those benefits as well.

Introductory APR:

  • Enjoy a special 0% introductory APR for 6 months starting from a credit card opening and then the variable rate, 18.24% to 27.24%, is charged.

US-based customer service:

  • For US residents they provide U.S. representatives for chat or call. They are available around the clock, no matter the day or time you need them.

Reward your way:

  • Exchange your rewards for cash at any time. Even use your rewards to buy what you need on or millions of online stores with PayPal.

Design with your style:

  • Choose from multiple colorful card designs when you sign up to become a card member.


  • If you lose your card, you can avoid new purchases, cash advances and balance transfers in seconds with the Freeze® toggle on our mobile app and website.


To be able to apply for the Discover It® Student Cash Back Card, you have to be a student in the United States, especially in college. Federal act also determines that you will be asked certain information which includes date of birth and street address, in order to confirm your identity.


You hereby permit the bank to request and obtain your information from your employer, financial institution, credit bureaus, and other sources to validate your identity and for the bank to decide whether it is or is not possible to offer you a line of credit.

About the bank

Discover is a financially established for years now institution that has been serving customers for  almost 4 decades. Established in 1985, Discover gradually evolved into a digital banking and payment services company headquartered in the US.

Discover drives its business through innovation and customer service, which are the main factors that make it offer a wide range of financial services such as credit cards, loans, and bank accounts.


Discover Financial Services not only offers a student credit card but also administers student loan programs for college students in the US. These programs allow students to earn cashback rewards on each new loan taken as a bonus for their academic performance. Fixed loan rates range from 5.24% to 15.99% APR, while variable loan rates range from 6.49% to 17.37% APR, all within the college loan division.

Under the student loan program, Discover covers up to 100% of certified school costs, with aggregate loan ceiling limits. Furthermore, Discover’s student loans boast no application, origination, or late fees. Additionally, students can enjoy rewards such as a 0.25% reduction in interest rates for enrolling in automatic payments, along with cash rewards for achieving good grades. Learn more.


Who is the Discover It® Student Cash Back Card for?

Discover It® Student Cash Back Card is a type of reward card for college students in the US that allows members to receive decent rewards on most of their everyday purchases. It is for students that are not looking for benefits in credit cards but earn cash back rewards while they are on it.

A step-by-step process for applying the card

  • Enter Discover’s official site and find the Credit card page.
  • Take the Discover It® Student Cash Back Card to experience the convenience you need. If you look, then click this button.
  • Provide your personal information on the application form and enter information such as your name, address, and Social Security number.
  • Give details on when or if you plan to enroll in college.
  • Click the button “I Agree” to the terms of service and press “Submit” to complete your application.
  • Wait for the authorities to tell you if the application has gained approval, which may take several days.

The Positives and negatives of the credit card


  • Saving 5% in daily spending at different shops per quarter will be greatly beneficial;
  • Cashback amount match allows two years of the initial cashback amount to be doubled;
  • No annual fee;
  • 6 Months no interest on purchases 0%.


  • Higher APRs after the intro APR period;
  • Commissions on balance transfers and cash.

How to unlock the card?

Upon receiving your card, you can activate it by following these steps:

  • Call the number that comes with the glue sticker placed on your card;
  • Engage with your assistants by following the actions like activating and swiping the card;
  • The card will be activated on its account and service will be promptly available right afterwards.

Mobile App.

Fees and tariffs of Discover It® Student Cash Back Card

  • Annual Fee: None.
  • Balance Transfer Fee: A fee at the rate of 3% of the sum sent for all unconnected money transfers ended on June 10, 2024. The APR introductory balance transfer offer is 10.99% as indicated above. After that, invest in stocks, bonds, treasuries, or anything that pays a good dividend and then get back to the transfer account after 5 % of each transfer.
  • Cash Advance Fee: Either $10 or 5% of the total amount of the cash advance, whichever is greater.
  • Late Payment Fee: It is not the case that you don’t have to pay any penalties for the first time you make the due date impossible. Consequently, impoverished children are worse off as it reaches over $41.
  • Returned Payment Fee: Up to $41.

Customer service

For assistance with your Discover It® Student Cash Back Card, you can contact Discover at:

  • Phone number: 1-800-347-2683;
  • Mobile App;
  • U.S. 1-800-DISCOVER;
  • 1-800-347-2683 (English/Español);
  • 24 hours a day available;
  • Outside U.S. 1-224-888-7777 (English/Espanol);
  • Hearing/Speech Impaired;
  • Dial 711 (Relay Service).


Final words

The Discover It® Student Cash Back Card is an excellent choice for college students in the United States looking to earn rewards on their everyday purchases. With its generous cash back rewards program, no annual fee, and U.S-based customer service, this card offers great value and convenience.

Whether you’re a student looking to build credit or simply want to earn rewards, the Discover It® Student Cash Back Card is worth considering.

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