Discover it Student Cash Back Card
No annual fee. Purchase APR 16.49–25.49%, variable.
- Annual fee
- Issuer's pagediscover.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagediscover.com
“0% intro APR for 6 months on purchases; 16.49% to 25.49% variable APR after that”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $120 | $120 |
| Typical spender | $300 | $300 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 6 cards on our Student list (see the list).
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 60% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 5%Everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagediscover.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagediscover.com “0% intro APR for 6 months on purchases; 16.49% to 25.49% variable APR after that” |
| Intro APR | Issuer's pagediscover.com “0% intro APR for 6 months on purchases; 16.49% to 25.49% variable APR after that” |
Carrying a balance? See how long it takes to pay off
Benefits
- $0 Fraud Liability: Cardholders are never responsible for unauthorized purchases, subject to investigation and verification.
- Other
Questions
- What is the annual fee?
- No annual fee discover.com, since Sep 29, 2026
- What is the purchase APR?
- 16.49–25.49% APR discover.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 6 months. discover.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$410 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$350 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$325 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).