THE CARDTUNED DATABASE
Discover it Student Cash Back
Issuer: Discover
5% rotating quarterly categories on up to $1,500 in combined quarterly purchases after activation; 1% other purchases
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% on purchases for 6 months (verified Aug. 27, 2026)
- Regular APR
- 16.49%–25.49% variable (verified Aug. 27, 2026)
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Unlimited first-year Cashback Match; no fixed $100 statement-credit bonus confirmed on the current public product page
- Spending requirement
- No fixed minimum spending requirement for Cashback Match
- Time window
- First 365 days; match added within two billing periods
Offer last checked: 2026-09-26
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | rotating quarterly categories on up to $1,500 in combined quarterly purchases after activation Activation required |
| Other purchases | 1% | other purchases No quarterly cap on base rewards Base rewards do not require quarterly category activation Activation not required |
Additional benefits
• Introductory APR terms are available, subject to the application and card agreement.
Restrictions to know
5% category activation required; $1,500 combined quarterly purchase cap.
Who can apply
Student eligibility required; Discover says no credit score is required to apply.
Credit profile: No credit score required to apply; approval not guaranteed