Discover it Student Cash Back: How to Apply?

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Learn how to apply for the Discover it Student Cash Back card. Discover the benefits, cashback rewards, and how to get started building your credit as a student.

The Discover it Student Cash Back card is a fantastic option for students who want to build their credit history while earning cashback rewards. Whether you’re new to credit or looking for an easy way to manage your finances, this card offers benefits tailored to students.

In this guide, we’ll show you how to apply the card, discuss the requirements, and highlight the benefits that make it ideal for students.

How to Apply for the Discover it Student Cash Back Card

Applying for the Discover it Student Cash Back card is a straightforward process. Here’s how you can get started and take advantage of its great benefits.

Step-by-Step Process

Check Your Eligibility
Before applying, make sure you meet the basic eligibility requirements. You need to be a student enrolled at an accredited college or university, and you should be at least 18 years old.
Visit the Discover Website
Go to the official Discover website and find the Discover it Student Cash Back card application page. This will provide you with all the details about the card and the application process.
Complete the Application Form
Fill out the online application form with your personal details, including your name, address, Social Security number (SSN), income, and employment information. Make sure all the information is accurate to avoid delays in processing your application.
Review the Terms and Conditions
Take a moment to read through the terms and conditions, especially regarding the APR, cashback rewards structure, and fees associated with the card.
Submit Your Application
After reviewing all the information, submit your application. Most applicants will receive a decision within minutes, but if further documentation is needed, you may be contacted by Discover.
Wait for Approval and Receive Your Card
Once approved, your Discover it Student Cash Back card will be mailed to you. It typically arrives within 7-10 business days. Activate your card and start using it for your purchases.

By following these easy steps, you can apply for this card and start building your credit while earning rewards.

Requirements for the Discover it Student Cash Back Card

The Discover it Student card is designed to be accessible for students. Here are the basic requirements you need to meet to apply:

Eligibility Criteria

Student Status: You must be a student enrolled at an accredited college or university.
Age Requirement: You must be at least 18 years old to apply.
U.S. Resident: You need to be a U.S. resident to qualify for the card.
Income Information: You will need to provide your income details (such as from part-time jobs or financial aid) to help determine your creditworthiness.

Benefits of the Discover it Student Cash Back Card

The Student Cash Back card offers a variety of benefits that make it an excellent choice for students looking to build their credit while earning rewards.

Cashback Rewards

You can earn 5% cashback on rotating categories, such as groceries, restaurants, and gas, on up to $1,500 in purchases each quarter (activation required). You’ll also earn 1% cashback on all other purchases.

No Annual Fee

This card comes with no annual fee, which means you can earn rewards without having to worry about paying extra fees every year.

Cashback Match

At the end of your first year, Discover will automatically match all the cashback you’ve earned. This means if you earn $100 in cashback, Discover will give you an additional $100, giving you double the rewards!

Introductory APR Offer

For the first 6 months, you’ll get 0% APR on purchases, which can be helpful for students who need time to pay off larger purchases without accruing interest.

Fees and Rates of the Discover it Student Cash Back Card

Here are the key fees and rates associated with this card:

Annual Fee: $0
APR: 0% for the first 6 months, then 13.24% – 22.24% (Variable)
Late Payment Fee: Up to $40
Foreign Transaction Fee: $0

How to Maximize Rewards with the Discover it Student Cash Back Card

To get the most out of the Student Cash Back card, follow these strategies to earn the maximum rewards:

Tips to Maximize Rewards

Activate the 5% Categories: Remember to activate the rotating 5% cashback categories each quarter to earn the maximum rewards.
Track Spending: Monitor your spending to ensure you’re maximizing your cashback in the eligible categories.
Use the Card for Everyday Purchases: Use your card for all eligible purchases to earn cashback on everything you buy.
Pay Your Balance on Time: Avoid late fees and interest charges by paying your bill on time each month.

By following these tips, you can maximize the rewards and benefits of the card and build your credit in the process.

Who Should Consider the Discover it Student Cash Back Card?

This card is ideal for students who want to build their credit while earning cashback rewards. Here’s who should consider applying:

Ideal For:

Students New to Credit: If you’re just starting to build your credit, this card is a great first step.
Students Who Want to Earn Rewards: The 5% cashback on rotating categories allows students to maximize their spending and earn rewards.
Students with Limited Income: With no annual fee, this card is an affordable way to build credit without paying extra costs.

The Discover it Student Cash Back card is perfect for students looking to earn rewards while building credit in an affordable and easy way.

Getting in Touch with Discover

If you need help with your Student Cash Back card, Discover offers multiple ways to get in touch.

Contact Options

Phone Support: Call Discover customer service for assistance with your account.
Online Banking: Manage your account and track your rewards through Discover’s online portal.
Mobile App: Use the Discover app to manage your account on the go.
Email Support: Email Discover customer support for non-urgent questions.

Whether you have questions about your card or need help managing your account, Discover offers easy and accessible support options.

Is the Discover it Student Cash Back Card Worth It?

The Discover it Student Cash Back card is definitely worth considering for students who want to build their credit and earn rewards at the same time.

With no annual fee and the potential to earn 5% cashback on rotating categories, it offers excellent value for students who can take advantage of the cashback structure.

The card also provides a cashback match at the end of your first year, which essentially doubles the rewards you’ve earned, making it an even better deal.

Additionally, the 0% APR on purchases for the first 6 months is a great feature for students who might need some time to pay off larger purchases without incurring interest.

However, the rotating categories can be a bit limiting, and students may need to actively keep track of the categories to ensure they’re maximizing their cashback rewards.

Overall, if you’re a student looking for a credit card that allows you to earn rewards, build credit, and manage your finances without additional fees, the Discover it Student Cash Back card is a strong contender.

With its combination of cashback, flexible features, and no annual fee, it’s definitely worth it for students.