Discover It Student Cash Back Card Review With Pros And Cons – 17 Points

1. Discover it student cash back is good card for you if you are student, new to credit card and want to spend on rotating categories. You will also get free fico score, low fee and first late payment forgiveness.

2. Reward Rate:

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more, up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases — automatically.


Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.

4. Annual Fee:


5. Intro Apr:

0% intro apr for purchase for 6 months.

6. Regular Apr:

15.24% – 24.24% (V)

7. Balance Transfer Intro Apr:

10.99% for 6 months

8. Pros:

5 % cash back in rotating categories
No Annual fee
No foreign transaction fee
Intro apr for purchase and balance transfer
Double cash back in first year
Fico score for free
$20 bonus every year your GPA stays above 3.0

9. Cons:

No more co-signer option.
Rewards categories might not fit your spending.
Limited acceptance outside us

10. Credit Needed:

630- 690 Average

11. Other Benefits:

$20 statement credit each year for good grades
No penalty APR
No late fee on first payment,
No overlimit fee
No foreign transaction fee
Free FICO credit score
Ability to withdraw cash at checkout
Freeze on/off switch
social security number alerts

12. Balance transfer fee:


13. Late payment fee:

Up to $39

14. Foreign transaction fee:


15. Redeeming Points:

You can redeem rewards for statement credit and pay with points at amazon and bank account deposit any amount. You can redeem for gift cards. (min $20)

16. Customer Experience:

24/7 customer service?:
Online chat available?:
Google Play Store mobile app rating:
Apple Store mobile app rating:

17. Go for Discover it Student Cash Back card:

If you want to build credit and earn 5 % rewards.
If you don’t mind keeping track of bonus categories.
If you want safer card with low fees.
If you prefer cash instead of points or travel.
If you want to earn good rewards.

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