No Annual Fee and Amazing Rewards: Why the Discover it Student Cash Back Card is a Must-Have

The Discover it Student Cash Back card is an excellent option for students who are just starting to build their credit history. It offers a variety of benefits, such as cashback and a rewards program, all without complicated fees. For those looking for an easy-to-manage credit card packed with advantages, the Discover it Student Cash Back card might be the ideal choice.

If you’re a student and want to start using a credit card in a smart way, the Discover it Student Cash Back card is a great way to earn rewards while building your credit. In this article, we’ll explore the details of how to apply for this card, what the requirements are, and how it can help in your financial journey.

Is it worth applying for the Discover it Student Cash Back card?

The Discover it Student Cash Back card is a fantastic option for students, but is it really worth it? Let’s look at some of its main benefits:

5% cashback in rotating categories: The card offers 5% cashback on rotating categories each quarter, such as restaurants, gas stations, or online shopping, if you activate the promotion.
1% cashback on all other purchases: Even without special categories, you still earn 1% cashback on all other purchases.
Double cashback in the first year: If you use your Discover it Student Cash Back card during the first year, all cashback rewards you earn will be doubled automatically. This is a great incentive to start using the card actively.
0% introductory APR for the first 6 months: The card offers 0% interest on purchases for the first 6 months, which is excellent if you need to carry a balance.
Free access to your FICO Score: The Discover it Student Cash Back card also lets you monitor your FICO credit score for free, helping you track your financial progress.

With these benefits, it’s clear that the Discover it Student Cash Back card is a great choice for those starting to build credit and looking to earn rewards.

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

Applying for the Discover it Student Cash Back card is a simple and straightforward process. Here’s a step-by-step guide to help you:

Visit the Discover website: The first step is to visit the official Discover website.
Click on “Apply Now”: Find the page for the Discover it Student Cash Back card and click the button to start the application process.
Fill out the application form: Enter your personal details, such as your name, address, email, and phone number.
Provide financial information: You’ll need to provide information about your financial situation, such as monthly income and employment details (if applicable).
Review and submit: Double-check all the details and submit your application. The process is quick, and you’ll usually receive a decision within a few minutes.
Wait for your card to be mailed: If approved, your card will be mailed to the address you provided. You can expect the card to arrive within 10 business days.
Activate your card: Once you receive your card, simply activate it following the instructions provided. You can do this through the app or Discover’s website.
Start using your card: Now you can begin using your Discover it Student Cash Back card and start earning rewards.

What are the requirements to apply for the Discover it Student Cash Back card?

The requirements for applying for the Discover it Student Cash Back card are quite simple and accessible for students. Here’s what you need:

Be a student or under 25 years old: This card is specifically designed for students, so if you fall into this age group, you can apply.
Have a valid Social Security Number (SSN): A valid SSN is required to apply.
Provide proof of income: Although the card is meant for students, you need to provide proof of income, such as from a part-time job, internship, or parental support.
Have a credit history (if applicable): Although the card is designed for beginners, a good credit history (if you have one) can help with approval.

These are the main requirements, and as you can see, they are quite accessible, making the Discover it Student Cash Back card available to many students.

Discover the benefits of the Discover it Student Cash Back card

The Discover it Student Cash Back card offers a variety of benefits that make it a great choice for students. Here are some of the key advantages:

Flexible cashback: As mentioned, you can earn 5% cashback on rotating categories and 1% on all other purchases, which provides great returns for a student card.
No penalty fees for your first late payment: To offer a bit of flexibility, the card does not charge a late payment fee the first time you miss a payment.
Additional rewards opportunities: Besides cashback, the card offers extra bonuses and promotions throughout the year, further enhancing the benefits.
Additional protections: The card comes with various protections for your purchases, such as fraud protection and security for online transactions.

These benefits make the Discover it Student Cash Back card one of the best options for students looking to build their credit in an efficient and rewarding way.

Does the Discover it Student Cash Back card have fees?

The Discover it Student Cash Back card is much more accessible than other cards when it comes to fees. Some of the common fees you may encounter include:

Interest rates: If you don’t pay off the balance in full, you will incur interest charges, which depend on your credit history. However, you get 6 months with 0% interest on purchases, which is very helpful.
Late payment fees: If you miss a payment, a late fee may apply, but Discover offers a great benefit: the first time you’re late, you won’t be charged a fee.
ATM withdrawal fees: If you use your card for ATM withdrawals, there will be a fee. It’s best to avoid this type of transaction unless absolutely necessary.

Other than these fees, the Discover it Student Cash Back card has very few additional costs, making it an affordable option for beginners.

Does the Discover it Student Cash Back card have an annual fee?

One of the best advantages of the Discover it Student Cash Back card is that it has no annual fee. This means you don’t need to worry about extra yearly charges, which is a great benefit for students who are just starting to manage their own money.

What credit score is required to get the Discover it Student Cash Back card?

The Discover it Student Cash Back card doesn’t require a very high credit score since it’s made for those just starting out with credit. Even if you don’t have an extensive credit history, you can still get approved. However, the higher your credit score, the easier the approval process will be and the better the terms you’ll receive.

What is the credit limit on the Discover it Student Cash Back card?

The credit limit on the Discover it Student Cash Back card depends on your credit history and income. For students, the initial limit may be lower, but as you use the card responsibly and make timely payments, the credit limit can increase over time.

How to contact customer support for the Discover it Student Cash Back card

If you have any questions or need help with your Discover it Student Cash Back card, you can easily contact Discover’s customer support. Here’s how:

Call the customer service number: You can call Discover’s customer service 24/7.
Use the live chat: The Discover website offers live chat to resolve your questions quickly.
Access the help page: On Discover’s website, you’ll find a complete help section with answers to common questions.
Send an email: You can also send an email if you need more detailed support.

The Discover it Student Cash Back card is an excellent choice for students who want to start using credit cards in a smart and beneficial way. With benefits like cashback, no annual fee, and the ability to monitor your FICO Score, it’s a solid option for anyone looking to build a good credit history. If you’re a student and want an easy-to-manage card, the Discover it Student Cash Back card is a great option for you.