The Discover it Student Cash Back credit card is highlighted for its beneficial features, making it suitable for individuals with fair credit or those new to credit (580-740).
The card's standout feature is its rotating bonus categories for students, offering 5% cash back on everyday purchases
like groceries, restaurants, gas stations, and more, with quarterly activation required. Additionally, users earn unlimited 1% cash back on all other purchases automatically.
New cardmembers receive a unique intro offer: Discover matches all the cash back earned at the end of the first year, providing an opportunity to double cash back rewards.
The card has no annual fee and boasts a 0% intro APR on purchases for the initial 6 months, followed by a variable APR ranging from 18.24% to 27.24%.
There is no late fee for the first late payment, and cardholders gain free access to their FICO credit score.
Discover's credit card also extends benefits beyond cash back, as it assists in removing personal information from select people-search sites that may sell data.
The card is accessible without a minimum credit score requirement and offers a foreign transaction fee of none.
While there is a 3% intro balance transfer fee, the card provides a 0% intro APR on balance transfers for a limited period.
Overall, the Discover it Student Cash Back card is positioned as one of the best choices for students looking to build credit responsibly without incurring an annual fee.
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