
Discover it Student Cash Back
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Community Rating | Strongly recommended |
Purchase APR (Variable APR) | 12.99% - 21.99% |
Balance Transfer APR (Variable APR) | 12.99% - 21.99% |
Credit Score Range | 640 - 850 |
Annual Fee | $0 |
Number of Reviews | 26 |
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. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a maximum cashback rewards rate of up to 5%.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- Competitive APRs. Discover it Student Cash Back has a variable 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.
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
The Good | The Bad |
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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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.
Minimum rewards rate | 1x |
Max rewards rate | 5x |
Annual rewards limit | N/A |
Annual Loyalty Bonus | $20 |
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?
Yes, it offers cardholders an annual bonus worth up to $20.
What are the Discover it Student Cash Back benefits?
It provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Free Credit Report.
- 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 6 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | 5% |
Balance Transfer Introductory APR | 10.99% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 12.99% - 21.99% |
Balance Transfer Fee % | 3% |
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 up to 6 months.
What are the fees for Discover it Student Cash Back?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
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 support contact email for Discover it Student Cash Back?
The support contact email for Discover it Student Cash Back is service@email.discover.com.
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 your account activity to the following credit reporting agencies:
- 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 improve your credit.
How to apply for Discover it Student Cash Back
- Visit the Discover it Student Cash Back website.
- 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.
Contact
- Headquarters
-
502 E. Market Street
Greenwood, DE 19950 - Visit Site
- Email Support
Other Services by Discover Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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