Discover · Discover
Discover it Student Cash Back
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Rotating quarterly categories (rotating) | 5x | on the first $1,500/quarter |
| Everything else | 1x | uncapped |
Non-cash perks
- $0 fraud liability on unauthorized purchases
- Free Social Security number dark-web alerts via CreditWise
- Freeze/unfreeze account instantly via app or site
- Free FICO Score 8 via CreditWise
- 24/7 human customer service (some specialized lines excluded)
- No credit score required to apply (issuer may use one if available)
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Discover
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.discover.com · www.discover.com. Spot an error? Tell us.