Last Updated: 07/28/2025
SuperMoney User Recommendation Score +79
Strongly recommended29 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
12.99% - 21.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.99% - 21.99%(Verified 06/21/2024)
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Credit Score Range
640 - 850
Annual Fee
$0
Number of Reviews
Discover it Student Cash Back Review
This is a cashback credit card issued by Discover® Bank. If you're wondering whether Discover it Student Cash Back is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Discover it Student Cash Back has a variable regular purchase APR that ranges from 12.99% up to 21.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Discover it Student Cash Back charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Discover it Student Cash Back
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Discover it Student Cash Back FAQ
Does Discover it Student Cash Back have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Discover it Student Cash Back have a signup bonus?
This card doesn't offer a cash signup bonus.Does Discover it Student Cash Back offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Discover it Student Cash Back benefits?
Discover it Student Cash Back provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Free Credit Report
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Discover it Student Cash Back?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Discover it Student Cash Back has a variable purchase APR that ranges from 12.99% up to 21.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 21.99%. It also has a variable cash advance APR of 24.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Discover it Student Cash Back have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 10.99% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.99% - 21.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 10.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Discover it Student Cash Back have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Discover it Student Cash Back?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Discover it Student Cash Back have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Discover it Student Cash Back?
The customer service number for Discover it Student Cash Back is (800) 347-2683.
What is the support contact email for Discover it Student Cash Back?
The support contact email for Discover it Student Cash Back is service@email.discover.com.
What is the login page for Discover it Student Cash Back?
You can access the login page of Discover it Student Cash Back here.
How do people rate the customer service and user experience of Discover it Student Cash Back?
Overall, Discover it Student Cash Back is strongly recommended based on community reviews that rate customer service and user experience.
Does Discover it Student Cash Back report your account activity to credit bureaus?
Yes, Discover it Student Cash Back reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Discover® Bank perform a hard credit pull?
Yes, Discover it Student Cash Back performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Discover it Student Cash Back
- Visit the website of Discover it Student Cash Back.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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