Discover it Student Cash Back: Unlock Rewards While Building Credit - Truefinder

Discover it Student Cash Back: Unlock Rewards While Building Credit

Being a student can be both exciting and challenging, especially when it comes to managing your finances. As a student, having a credit card that not only helps you build credit but also offers attractive rewards can make a significant difference. Discover it Student Cash Back is a credit card designed specifically with students in mind. In this article, we will explore the features and benefits of this unique credit card, how it can help you earn cash back on your purchases, and why it stands out from the crowd.

Discover it Student Cash Back: Features and Benefits

1. Cash Back Rewards

Discover it Student Cash Back offers an impressive cash back rewards program that allows you to earn rewards on every purchase you make. You can earn 5% cash back on rotating categories throughout the year, such as gas stations, grocery stores, restaurants, and more, up to the quarterly maximum each time you activate. Additionally, you can earn an unlimited 1% cash back on all other purchases. This means that every time you use your card, you are rewarded for your spending.

2. Good Grade Reward

One unique feature of Discover it Student Cash Back is the Good Grade Reward. If you maintain a GPA of 3.0 or higher, you can receive a $20 statement credit each school year for up to five years. This incentive not only encourages academic excellence but also provides an extra financial benefit for students who excel in their studies.

3. No Annual Fee

As a student, it’s essential to keep your expenses in check. Discover it Student Cash Back understands this, which is why they do not charge an annual fee. This means you can enjoy the benefits of the card without worrying about additional costs.

4. Introductory 0% APR

Another advantage of this credit card is the introductory 0% APR (Annual Percentage Rate) on purchases for the first six months. This feature can be particularly beneficial if you need to make a larger purchase or if you want to transfer balances from high-interest credit cards. It gives you the flexibility to manage your finances more effectively without incurring interest charges during the introductory period.

5. Free FICO Credit Score

Monitoring your credit score is crucial, especially as a student. Discover it Student Cash Back provides you with free access to your FICO credit score, allowing you to keep track of your credit health and take steps to improve it. This feature empowers you to make informed financial decisions and work towards building a strong credit history.

Frequently Asked Questions (FAQs)

1. How can I apply for the Discover it Student Cash Back card?

To apply for the Discover it Student Cash Back card, you can visit the official Discover website or call their customer service line. The application process is straightforward, and you will need to provide basic personal information and details about your educational institution.

2. Can international students apply for this credit card?

Yes, international students studying in the United States can apply for the Discover it Student Cash Back card. However, they will need to meet certain criteria, such as having a Social Security number or Individual Taxpayer Identification Number (ITIN), and providing proof of their enrollment in a U.S. educational institution.

3. What happens if I miss a payment?

If you miss a payment, Discover it Student Cash Back may charge you a late fee. Additionally, it could have a negative impact on your credit score. It’s important to pay your bills on time to avoid any penalties and maintain a good credit history.

4. Are there any foreign transaction fees?

No, Discover it Student Cash Back does not charge any foreign transaction fees. This makes it an excellent choice for students who plan to study abroad or frequently travel internationally.


Discover it Student Cash Back is an excellent credit card option for students looking to build credit and earn rewards. With its cash back rewards program, Good Grade Reward, no annual fee, introductory 0% APR, and free FICO credit score, this card provides numerous benefits tailored to the needs of students. By using this credit card responsibly, you can not only make your everyday purchases more rewarding but also establish a strong foundation for your financial future. Apply for the Discover it Student Cash Back card today and start enjoying the perks it has to offer.

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