Discover
Discover it® Student Cash Back
Cash back only
Annual fee
No annual fee
Welcome bonus
Cashback Match in year 1
Min spend
No minimum
Recommended credit
New to Credit (580+)
Rates and offer last verified June 5, 2026.
Earning rates
5% cash back on rotating quarterly categories (up to $1,500/qtr)
1% on everything else
Unlimited Cashback Match, all cash back doubled in year 1 automatically
Features & benefits
No credit score history required to apply
$20 Good Grades Reward each school year (3.0+ GPA)
No annual fee, no foreign transaction fees, no late fee first time
Free FICO® credit score
Freeze account via app, $0 fraud liability
Path to upgrade to a regular Discover card after graduation
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Discover it® Student Cash Back lands.
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