Discover it Student Cash Back Card
Issued by Capital One (Capital One, N.A.) · Discover network · Unsecured consumer card
At a glance
The Discover it Student Cash Back Card is a student consumer credit card issued by Capital One on the Discover network. Its current annual fee is $0. It is accepting new applications. Terms were last independently verified on 2026-08-30.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Rendered directly on the product page — identical range to Discover it Student Chrome. Confirm your exact rate with the issuer.
Discover — official student card pageverified 2026-08-30
Discover — official student card pageverified 2026-08-30
Fees
Stated directly on the product page ("No annual fee").
Discover — official student card pageverified 2026-08-30
Rewards
Discover — official student card pageverified 2026-08-30
Requires quarterly activation of the 5% categories, same mechanic as the adult Discover it Cash Back card.
Discover — official student card pageverified 2026-08-30
Credit building
General Discover-brand statement, not specific to this product's own page.
Discover — "When Does Discover Report to Credit Bureaus?" (brand-wide policy article, not this product's own page)verified 2026-08-30
Benefits and protections
Advertiser Disclosure: Some links on this page may earn a commission.
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $2.5 | $30 |
| $3,000 | $7.5 | $90 |
| $5,000 | $12.5 | $150 |
Paying only the minimum on $3,000
104 months
About $336.98 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$152.64 total cost
$150 upfront fee, plus post-intro interest at 3%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
4.24.2 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Accessibility for thin files | 30% | 4.5/5 |
| Fees | 25% | 4.5/5 |
| Rewards value | 20% | 4/5 |
| Reports to all three bureaus | 15% | 4/5 |
| Terms transparency | 10% | 3.5/5 |
Methodology 2026.07 · full methodology · No active partner relationship for this card as of 2026-08-24. If one begins, it cannot affect this card's score, category ranking, or buyer-beware tier — see /advertiser-disclosure for the full firewall policy.
The rotating-5%-category sibling of Student Chrome, for students willing to activate categories each quarter. Same accessible entry point — no credit score required, exclusively for enrolled students — plus a current $100/$300-spend welcome offer that Discover explicitly labels limited-time. As with Chrome, the product page does not state a foreign-transaction fee or a card-specific bureau-reporting policy, so confirm both directly.
Advantages
- No credit score required to apply
- 5% rotating categories can out-earn a flat-rate starter card
- Current $100 welcome statement credit (limited time)
Watch for
- 5% categories require quarterly activation and cap out, then drop to 1%
- Foreign-transaction fee not stated on the product page
- Welcome offer is explicitly promotional and may change
Best for: Enrolled students willing to track and activate quarterly categories for a higher ceiling than a flat-rate card.
Credit Defense Hub Editorial Team · reviewed 2026-08-30 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Discover it Student Cash Back Card?
- It is issued by Capital One on the Discover network.
- What does the Discover it Student Cash Back Card cost?
- The annual fee is $0. Verified 2026-08-30. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Discover it Student Cash Back Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Discover it Student Cash Back Card help build credit?
- It reports to all three (experian, equifax, transunion), per discover's general reporting policy, so on-time payments and low utilization can help build history. Building credit depends on your overall behavior, not one card.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-30; confirm with the issuer before applying.
What consumers report
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If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page → for Discover it Student Cash Back Card
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.