Discover it Student Cash Back Review
Discover · Students wanting maximum first-year rewards
4.5 / 5 (1543 reviews)
Annual Fee
No annual fee
Rewards
5% rotating categories (quarterly), 1% everything else + Cashback Match first year
Regular APR
18.24% – 27.24%
Credit Needed
No Credit History
Our Expert Verdict
9/10
Editor's Score
The best student credit card overall. Discover's Cashback Match effectively doubles all rewards earned in your first year — making a 5% rotating category card worth up to 10% on quarterly categories during year one. No annual fee, no late fee on your first missed payment, and a $20 Good Grades reward make this extraordinarily forgiving for first-time cardholders.
Pros
- Cashback Match doubles year-1 rewards
- 5% rotating categories
- No annual fee, no late fee (first missed)
- Good Grades reward
- No credit history needed
Cons
- Discover less accepted internationally
- Rotating categories require activation
- Lower base rate (1%)
Sign-Up Bonus
Cashback Match — all cash back earned in year 1 doubled
Key Benefits & Perks
No annual fee
No late fee on first late payment
No foreign transaction fees
Cashback Match first year
$20 Good Grades reward per year
Free FICO score
Rewards Breakdown
| Category | Rate |
|---|---|
| Rotating categories (quarterly) | 5% |
| Everything else | 1% |
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Students wanting maximum first-year rewards
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