What you get
Rewards and benefits
How it earns
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Plus, earn 1% cash back on all other purchases.
- Designed for students
- Rotating cash back categories
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileLimited or no credit history
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Discover makes every lending decision.
- Annual fee and first-year pricing
- No annual fee
- Purchase APR
- Purchase APR: 0% intro APR for 6 months; 16.74% to 25.74% variable APR after that Purchase APR: 0% introductory APR offer for 6 months; 16.74% to 25.74% variable APR after that Transfer APR: 16.74% to 25.74% variable APR Intro APR Offer 0% intro APR for 6 months on purchases See rates, rewards, fees, and other cost information
- Introductory APR and duration
- Purchase APR: 0% intro APR for 6 months; 16.74% to 25.74% variable APR after that Purchase APR: 0% introductory APR offer for 6 months; 16.74% to 25.74% variable APR after that 0% intro APR for 6 months on purchases
- Balance transfers and fees
- Balance transfer fee: no transfer fee with this transfer APR; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you When Card Lock is enabled, some activity may continue, including returns, credits, payments, interest, balance transfers, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions. Typically, only primary cardholders or account managers can lock and unlock a card. Capital One customers are responsible for regularly checking their account activity and making payments on locked cards. If your card is lost or stolen, please notify Capital One as soon as possible.
- Cash advances and fees
- Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater Cash Advance APR: 28.74% variable
Conditions to know
- Quarterly activation and spending limits apply.
- Late payment fees and APR terms apply.
- Approval depends on issuer criteria and applicable student eligibility.
Recorded from Discover’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Discover it® Student Cash Back
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Student eligibility and income requirements depend on the issuer; approval is not guaranteed.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
