Discover it Student Cash Back: How to Apply and Benefits

Learn how to apply for the Discover it Student Cash Back card and explore its benefits, cashback rewards, and features designed for students.

This card is a fantastic option for students who want to build credit while earning valuable rewards. With its 5% cashback on rotating categories and a unique cashback match after the first year, it offers great value for everyday spending.

In this guide, we’ll walk you through how to apply for the Discover it Student Cash Back card, highlight its key benefits, and show you how it can help you earn rewards while establishing a solid credit foundation.

How to Apply for the Discover it Student Cash Back

Applying for the Discover it Student Cash Back card is straightforward and can be done online. Here’s how you can get started on your path to earning cashback and building credit.

1. Check Your Eligibility

Make sure you meet the basic eligibility requirements.

You must be at least 18 years old and currently enrolled at an accredited college or university.

2. Visit the Discover Website

Go to the official Discover website and navigate to the Discover it Student Cash Back card page.

Here you can find all the details and start the application process.

3. Complete the Application Form

Fill in your personal details, such as your name, address, Social Security number (SSN), income information, and proof of student status.

Be sure to double-check your information for accuracy.

4. Review the Terms and Conditions

Before submitting your application, review the terms and conditions, including the APR, cashback rewards, and fees associated with the card.

5. Submit Your Application

After reviewing everything, submit your application.

In most cases, you’ll receive a decision instantly, but additional documentation may be required in some cases.

6. Wait for Approval and Receive Your Card

If approved, your card will be mailed to you, typically within 7-10 business days.

Once you receive it, activate your card and start using it for purchases.

By following these simple steps, you can apply for the card and start earning rewards while building credit.

Requirements to Apply for the Discover it Student Cash Back

The Student Cash Back card is designed to be accessible to students. Here are the basic requirements to apply:

• Student Enrollment: You must be a student enrolled at an accredited university or college.
• Minimum Age: You must be at least 18 years old to apply for the card.
• U.S. Residency: The card is available to U.S. residents only.
• Income Information: You will need to provide your income details to verify your ability to repay.

The Discover it Student Cash Back card is a great option for students looking to build credit while enjoying valuable rewards, with straightforward eligibility requirements.

Benefits of the Discover it Student Cash Back Card

The Discover it Student Cash Back card offers several key benefits that make it an excellent choice for students looking to build credit while earning cashback rewards.

Cashback Rewards

• 5% Cashback on Rotating Categories: Earn 5% cashback on the first $1,500 spent each quarter in rotating categories, such as groceries, restaurants, and gas. Categories change each quarter.
• 1% Cashback on All Other Purchases: Get 1% cashback on all other purchases, including online shopping and everyday expenses.
• Cashback Match: At the end of your first year, Discover will match all the cashback you’ve earned, effectively doubling your rewards.

No Annual Fee

Enjoy all the benefits of the Discover it Student Cash Back card with no annual fee, meaning you don’t have to worry about extra charges every year.

Introductory 0% APR

For the first 6 months, you’ll benefit from 0% APR on purchases, allowing you to make larger purchases without worrying about interest charges.

Free FICO® Credit Score

Access your FICO® Credit Score for free on your monthly statements, helping you monitor your progress as you build your credit.

What Are the Fees, APR, and Interest Rates?

Like all credit cards, the Discover it Student Cash Back card has a few fees and interest rates you should be aware of.

• Annual Fee: $0
• Introductory APR: 0% on purchases for the first 6 months
• Ongoing APR: 14.24% to 23.24% variable APR, depending on your creditworthiness
• Late Payment Fee: Up to $40
• Foreign Transaction Fee: $0 (making it great for international travel)

The Discover it Student Cash Back card has a low-cost structure with no annual fee, making it a great option for students looking to build credit and earn rewards.

Network and Coverage

The card is part of the Discover network, which provides wide acceptance and global coverage.

With Discover’s extensive network, you can use your card for online purchases, in-store transactions, and international travel. This flexibility makes it easy to enjoy the benefits of cashback rewards wherever you shop.

The Discover it Student Cash Back card is accepted at millions of locations worldwide, giving you the freedom to make purchases with confidence, whether you’re shopping locally or abroad.

How to Check Your Statement?

Checking your statement regularly is important to monitor your spending, cashback rewards, and payment due dates.

1. Log in to Your Discover Account
   Visit the Discover website or mobile app and log in to your account.
2. Navigate to Your Statement Section
   In your account dashboard, go to the “Statements” section to view your current and past statements.
3. Review Your Transactions
   Review all transactions and your earned cashback to ensure everything is accurate.

How to Activate the Card

Activating your Discover it Student Cash Back card is simple and can be done in several ways.

1. Activate Online: Log in to your Discover account and activate your card under the “Manage Card” section.
2. Activate by Phone: Call the phone number provided with your card to activate it.
3. Activate via the App: Use the Discover mobile app to quickly activate your card on the go.

Once activated, you’re ready to start using your Discover it Student Cash Back card to earn rewards and build your credit.

Contact Information for the Card

If you need help with your card, there are multiple ways to contact Discover’s customer service team.

• Phone Support: Call Discover customer service for immediate assistance with your card or account.
• Online Banking: Access your account and manage your card details through Discover’s online portal.

How to Use the Card

Using the Discover it Student Cash Back card responsibly is key to maximizing its rewards and building your credit. Here are some tips on how to use the card effectively:

• Make Regular Purchases: Use the card for everyday purchases like groceries, gas, or dining to maximize your 5% cashback in rotating categories and earn 1% on all other purchases.
• Activate the 5% Cashback Categories: Remember to activate the rotating 5% cashback categories each quarter to ensure you earn the maximum rewards on your eligible purchases.
• Pay Your Bill on Time: Always pay your bill on time to avoid late fees and interest charges. Timely payments are crucial for building a strong credit history.
• Keep Your Credit Utilization Low: Try to keep your balance below 30% of your credit limit. This will help maintain a good credit score and prevent overspending.
• Track Your Spending: Use the Discover mobile app or website to monitor your spending, track your cashback, and stay within your budget.

By using your Discover it Student Cash Back card for regular purchases, activating the cashback categories, and paying on time, you’ll not only earn valuable rewards but also build a strong credit history over time.

Why the Card is Ideal for You

The Student Cash Back Card is designed with students in mind, offering an easy and rewarding way to build your credit while earning cashback on everyday purchases.

It is ideal for students who are looking for a simple, flexible credit card that offers valuable rewards and helps them establish a solid credit history.

Advantages of the Card

• 5% Cashback on Rotating Categories: Earn 5% cashback on the first $1,500 spent each quarter in rotating categories like gas, groceries, and dining, maximizing your rewards.
• 1% Cashback on All Other Purchases: Get 1% cashback on everything else you purchase, so you always earn something back.
• No Annual Fee: The Discover it Student Cash Back card comes with no annual fee, meaning you keep more of your cashback.
• Cashback Match: At the end of your first year, Discover will match all the cashback you’ve earned, effectively doubling your rewards for the year.
• Build Your Credit: As a student, it’s a great way to start building a positive credit history, helping you improve your credit score over time.

This card card is perfect for students who want to earn cashback rewards while building credit.

With no annual fee, a straightforward rewards structure, and the opportunity to double your cashback in the first year, this card is a great tool for both short-term rewards and long-term credit-building success.