The Discover it® Student Cash Back credit card is an excellent financial tool designed specifically for students. With this card, students can earn cash back on their purchases, helping them save money while building their credit history.
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The card offers rotating quarterly categories that earn 5% cash back, such as gas stations, grocery stores, restaurants, and more, making it adaptable to students’ changing spending habits.
Additionally, the card provides a unique feature called Cashback Match, where Discover matches all the cash back earned at the end of the first year, effectively doubling the rewards. This can be particularly beneficial for students who are looking to make the most out of their expenses while pursuing their education.
Main information about the Discover it® Student Cash Back Credit Card
The Discover it® Student Cash Back Credit Card features a variety of highlights that make it appealing to consumers. Some of the key highlights include:
Cash Back Rewards
The Discover it® Student Cash Back card offers a rewarding cash back program, allowing students to earn 5% cash back in rotating quarterly categories, such as gas stations, grocery stores, restaurants, and more.
Cashback Match
A standout feature of this card is the Cashback Match, where Discover matches all the cash back earned at the end of the first year. This can effectively double the rewards, providing students with a significant bonus.
No Annual Fee
The card is designed with the financial needs of students in mind, and it does not come with any annual fees. This makes it a cost-effective choice for those who are budget-conscious.
FICO® Credit Score Access
Students can monitor and improve their credit with free access to their FICO® Credit Score. This feature promotes responsible credit usage and helps students track their credit journey.
Student-Friendly Features
The Discover it® Student Cash Back card is tailored to the unique needs of students, providing a valuable financial tool for those who are new to credit. It combines cash back rewards with features that support responsible credit management.
Requirements for obtaining the Discover it® Student Cash Back Card
The Discover it® Student Cash Back card is ideally suited for the following individuals:
Fit for Your Lifestyle If:
- Students Building Credit
This card is specifically designed for students who are looking to establish and build their credit history. It offers features that promote responsible credit usage.
- Budget-Conscious Students
With no annual fees, the card is a great choice for students who are mindful of their expenses and want a cost-effective credit card option.
- Cash Back Enthusiasts
Students who appreciate cash back rewards will find the rotating 5% cash back categories appealing. The Cashback Match feature also enhances the overall rewards potential.
- Those Adapting Spending Patterns
The card’s rotating quarterly categories ensure that it accommodates students’ changing spending habits, allowing them to earn maximum cash back on various types of purchases.
Not Your Ideal Match If:
The Discover it® Student Cash Back card may not be the best fit for the following individuals:
- Non-Students
As the card is specifically tailored for students, individuals who are not currently pursuing education may find other credit card options that better suit their needs and lifestyle.
- Those with Established Credit
Individuals who already have a well-established credit history and are looking for credit cards with more advanced features or higher rewards may find other cards more suitable.
How to apply
Applying for the Discover it® Student Cash Back card is a straightforward process. Here’s a detailed step-by-step guide:
- Visit the Discover Website: Go to the official Discover website using a web browser. Navigate to the credit cards section.
- Find the Discover it® Student Cash Back Card: Locate the Discover it® Student Cash Back card among the available credit card options. You can usually find it under the “Student” or “Student Credit Cards” section.
- Click on “Apply Now”: Once you’ve decided to apply, click on the “Apply Now” button. This will initiate the application process.
- Provide Personal Information: Complete the online application form by providing personal information such as your full name, contact details, date of birth, Social Security number, and residential address.
- Financial Information: You’ll need to enter details about your income, employment status, and other financial information. This helps Discover assess your creditworthiness.
- Submit Application: After completing all required fields, review your application for accuracy. Once satisfied, submit the application. Discover will then process your application.
- Receive Card and Activate: If approved, you’ll receive the card by mail. Follow the instructions to activate the card online or by phone.
