Learn how to apply for the Discover it® Student Cash Back card

What do I need to know about the Discover it® Student Cash Back?

The Discover it® Student Cash Back card is a standout among student credit cards.

The Discover it® Student Cash Back card can help people without long credit histories establish credit while still giving them access to benefits like rotating cash-back rewards and an introductory APR offer.

It offers healthy but capped earnings in some areas of spending and an introductory APR on purchases. Most importantly, a card like this one can assist children in developing good financial practices.

This card was designed for people who want to build credit while earning cash-back benefits.

When enabled, the card provides 5% cash back on typical purchases made at a number of venues, including Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum.

Additionally, it gets an unlimited 1% cash back on all other purchases automatically.

Discover will match your cash back dollar for dollar at the end of your first year as a cardholder.

On student credit cards, introductory 0% APR offers are hard to come by. For the first six months, this card’s introductory APRs are 0% intro APR on purchases and 10.99% intro APR on balance transfers.

After that, the card’s continuing APR ranges from 15.99% to 24.99% Variable APR.

As you begin using credit, you’ll experience a smooth interest-free transition and perhaps a lengthy gap that will allow you to pay off any expensive textbooks.

In the event that their card is lost or stolen, cardholders can use Discover’s Freeze, an account on/off switch, and have free access to their FICO credit score.

Who can apply for the Discover it® Student Cash Back?

In order to be eligible for the Discover it® Student Cash Back card, you must be a college student, according to the criteria of the card.

Even if you can prove that you are a student, you still won’t be able to receive a credit card because of age and income restrictions.

However, you don’t necessarily need to have a perfect score, which is good news if you’re a true student hoping to start your credit path off right.

How to apply for the Discover it® Student Cash Back?

The Discover it® Student Cash Back application is submitted online, much like the majority of other credit card applications.

However, the “apply now” pages that open on Discover’s website will require you to provide some personal information.

Even though this card is designed for people with little credit history, it may take some time because you must first submit to age and facial checks to prove that you fit the card’s target demographic. Only then will the application proceed in a straightforward manner.

Is it worth it to have a Discover it® Student Cash Back?

The Discover it® Student Cash Back card has a few limitations, but they don’t significantly detract from its favorable cash-back rates.

However, the card might not be appropriate for students who study abroad or for those who are unwilling to put up the effort to understand its relatively complicated cash-back rewards scheme.

Other than that, the Discover it® Student Cash Back card is a terrific tool for students to establish better credit while learning about credit cards, spending, and personal financial wellness.

It also offers an introductory APR on purchases, cash-back incentives, and other card features.

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