Discover it Student Credit Card with $20 cash back

We're sorry, but the Discover it Student Credit Card with $20 cash back may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-347-2683.

Below you can review the Discover it Student Credit Card with $20 cash back and find the card's rates and fees according to our latest records, which may be outdated.

Alternatively you can compare the latest credit card offers and save money.

discover it student credit card 20 cash back
Required Credit Score:
Limited History
300 reviews   Write a Review
Info about the Discover it Student Credit Card with $20 cash back has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

Discover it Student Credit Card with $20 cash back’s Rewards

Base Earn
Max Earn
  • 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you'll earn 5% on up to a quarterly maximum of $1,500 in purchases.
  • 1% cash back on all other purchases with no cap
  • Cashback Bonus on up to $1,500 in Restaurant and Movie purchases from now through June 2015.
  • Redeem your cash back any time as a statement credit, a deposit to your bank account or pay at

Discover it Student Credit Card with $20 cash back’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
10.99% for 6 months
Regular APR
12.99% - 21.99% (V)

Discover it Student Credit Card with $20 cash back’s Additional Info

  • MAX LATE FEE   $35
  • GRACE PERIOD   23 days
    24.99% (V)
    5% (min $10)
  • No Annual Fee.
  • Multiple Card Designs to choose from.
  • $0 Fraud Liability Guarantee means you're never responsible for unauthorized purchases on your credit card

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Discover it Student Credit Card with $20 cash back to our community.

Can you get this with no credit? I am thinking about applying- but I don't want my credit pulled without knowing I have a chance w/o a credit background yet.

0 Votes 1 1

Customer Reviews

Share your insights and review the Discover it Student Credit Card with $20 cash back.

Your Rating
Delete Review

4.5 out of 5

300 reviews
Photo of BusyStudent
Feb 20, 2016
As a student, I felt it was finally time to get my first credit card to begin building a good credit history early on. While in college, there are many times when I have the need to pay for something that I may not have the funds for at the time. This card satisfies that need perfectly. There are a few incentives that made this Discover IT card extremely attractive to me. First, the $20 student bonus that I receive every year if I can maintain a >3.0 GPA during school. This gives me motivation to do well in school knowing I will be rewarded for my hard work. Also, more
Photo of Nicole T.
May 13, 2015
I like this card for the rewards (I usually apply to Amazon purchases) and it's not hard to get. I have had the card for about 6 months now and have never had any problems or issues. The one thing I don't like is how you have to sign up for the special categories online to get the extra percentage off, but if you remember to do it, that 5% REALLY adds up, and is a lot better reward than most cards offer. The only other negative would be that Discover isn't accepted everywhere, but it is in more and more places.
Photo of Kelsey R.
Jan 13, 2015
I have had this card for 6 years and I have only good things to say about it. I really like the fact that they have excellent cash back rewards including 1% on all purchases and 5% on certain categories of things that I frequently purchase, including gas, online purchases and home improvement. I also like that they have a $50 bonus when you refer a friend, which is an easy way to make more money. Additionally, they have no foreign transaction fee in some countries, which has been helpful when I have traveled, however Discover is not as widely accepted as Visa in many foreign countries.
Photo of Lindsay E.
Jan 9, 2015
I got this credit card once I entered college when I turned 18, and it was the card that initially helped me establish my credit score. I like the perks that are associated with the card, like money back and discounts on websites. I would rate this card as average if you are looking at earning rewards. I earn better rewards on a different credit card I have. I also do not like that some places do not accept discover. But this card will always have a special place in my heart for helping me establish good credit. They have late payment forgiveness and low monthly payements.
Photo of Rebecca W.
Mar 11, 2014
I absolutely love this credit card. I signed up for it a few months before I graduated from college. It has helped me establish my credit score. They offer really great incentives through points. You can earn cash back through what you purchase. I love the different rotating options they have through out the year, you can get an extra 5% cash back if you shop at the places they suggest.
I have absolutely nothing bad to say about Discover.
Photo of Dusty L.
Mar 5, 2014
I have this credit card since I graduated. It has really helped me establish an amazing credit score. The rewards program is also very nice because I can get 50 dollars direct deposited straight back onto my account after I have earned enough, so it can pay itself off. This card is a very good one for someone just starting out.
Photo of Izzy P.
Dec 30, 2013
The card is okay. They have rotating yearly categories which can earn you 5% cash back and 1% on everything else. Customer service was always super helpful and willing to work with me. My only complaint is that you can't cash out your rewards until you earn 50 dollars, which is disappointing since it would take me a long time to work up to there.
Photo of David T.
Dec 24, 2013
This was my first credit card ever. It was a great start for me to begin building up credit. The service was always generous and every few months they would have 5% cashback on certain items. The only complaint I have is that Discover isn't accepted in a few places. Besides that, this card is great.
Photo of Gerald W.
Dec 5, 2013
I have had my student discover card for about 2 years now, it has been a great tool for me to begin to gain so good credit. They were always very helpful when I have had any problems with my bill. I would definitely recommend this card to my friends, although the downside is that discover is not accepted at many places.
Photo of Victoria L.
Sep 25, 2013
I've been using this card for a good while now and it's definitely the best card out there for students. The credit line starts low, but it's perfect for that if you want to not have a high amount, so that you're not spending too much. I use it just for events or food around the campus and always pay off right away. Seeing the bill online right away is great and I really love the cash back feature! This is the easiest card I have used and the most user friendly. I got it mostly to build up my credit which it has done well. I was also able more
Photo of Russell S.
Sep 19, 2013
This is an excellent card for any financially responsible college student to begin a solid credit history. The credit line starts pretty low, mine was like $750, but they increase it quite frequently if you pay the bill on time. Plus, there is not an annual fee and you can usually pay the bill a few days late without penalty. Overall it is a great card, especially if you take advantage of all the frills like the spending analyzer.

I have a couple of qualms with it though. First, enrolling in the cash back program is a bit tedious to enroll in. You have to log into the site once a more
Photo of Katie C.
Jan 25, 2013
This was my first starting credit card and is pretty simple for me. I really only got it to build basic credit, so the initial 500 limit was really all I needed (it should go up by the time I actually need more). Their online service and text messaging service is pretty good- setting up text message alerts for a certain personal credit line reminder was very helpful to know that I was reaching my limit soon. It's online/phone app bill pay is really useful and only takes 1-2 days to post... I can just transfer money quickly and easily from my bank account whenever I'd like to. The intro more
Photo of Blondell W.
Jan 18, 2013
The Discover Student More card is an awesome card. It is my first credit card, I applied for it in August 2012 with an empty credit history and got approved for $500. The cash rewards program is great. For starters, there are 5% rotating categories every three months. In addition, there are usually days once a month or so where there is a bonus 2% cash back opportunity. There are also opportunities to earn cash back by shopping with certain companies, such as iTunes. The website is pretty user friendly as well, and the customer service has been great in my experience. Definitely a good card if you're a student more
Photo of Kraig L.
Dec 26, 2012
I have recently returned to college after about 8 years away from it so I recently applied for this card and I was approved. I had been building my credit back from the depths and am finally comfortable with where I am. At one point it was just terrible and now it is actually good. Anyway, this card does not require excellent credit. One can have no credit history, hence the fact that it is a student card. I just went with it because it is safe and I want to maintain credit flow while not falling back into bad credit.
So far I have used it for gas and food more
Photo of Dylan M.
Dec 26, 2012
I am proud to say that Discover is my first credit card. I was unaware of what I would be getting myself into, especially when you hear about the horror stories of credit card debt, but Discover has made the entire process as smooth as possible. They offer and provide realistic expectations for college students looking to establish credit.
I have used my Discover card mainly for school expenses, such as books, and it has provided me a way to finance these costly activities. Not only do they have realistic expectations of college students, but their website to make payments and check statements is extremely user-friendly. When I first received more
Photo of Margot C.
Dec 26, 2012
This the first credit card that I have ever had. I applied for it this summer when I got some information from Discover in the mail. I needed a way to safely build my credit, so I applied for this card.
I was approved very quickly and setting up my account was quick and easy. The people who helped me over the phone were very friendly and helpful. Ever since, Discover's website has made it extremely easy to keep track of my purchases and payments. They make you fully aware of how much is due and on what date. I especially love their expense tracker, which is basically a pie more
Photo of Carolin H.
Dec 26, 2012
This was the very first credit card I ever had. While I was going to school in RVA I got this card to help me build my credit. The rates seemed very reasonable and I had a very easy time keeping.
up on the payments. I mostly used this card to pay bills. I would recommend this card to any student who needs to start building their credit. The people I talked to on the phone were very helpful and really took the time to explain everything to me. They really helped me understand how my new credit card worked so I didn’t make any mistakes.
Photo of Hisako G.
Dec 19, 2012
I have applied for this card when I was a student at the University of Phoenix and was approved instantly and I was happy with the service they provided. I was able to get a copy of my credit report in a book type along with my credit score for free. Though the limit was not that high when I first got it, it was easy to ask for an increase since I have always paid my bill on time. I got an increase after 6 months and was impress with the amount they have given me. Their online facility made it possible for me to pay anytime as well more
Photo of Marissa A.
Nov 23, 2012
This is the first credit card I have owned. It is great and I signed up as a student in my freshman year of college. I make sure to always keep up on my bills and it has taught me a lot about responsibility and money. I use it mostly for phone bills, and do not spend much on random items. I only need it when I really need to and in a case of emergency. It is a great way to build up credit as a student and the interest rate is low so it is not much of a hassle or worry to me. This is a great more
Photo of Emerson C.
Nov 20, 2012
The Discover Student More Card was my first Credit Card when I was a college student and wanted to start building my credit. I was approved even though I had a limited credit history. I thought the interest rate was average for just starting out with a credit card. I also liked that I got a 5% Cash back Bonus when I used it for gas or groceries as a college student I was doing a lot of that purchasing. This card has no annual fee, so that was good for me, too. If you don't want to rack up interest cards you need to make sure you pay on more
Photo of Maude K.
Nov 15, 2012
This was my first credit card I ever owned. I signed up for the Discover Student More when I was a junior in college. This card honestly taught me a ton of responsibility as a first timer out on my own. I made sure to pay my bill every single month and never missed a date. The rewards were fantastic helping me out to buy groceries and especially gas since I only had a part-time job to get by. I paid all my standard bills with it and did not use it for petty items. I made sure it was only used to things that I had to pay for more
Photo of Thomas S.
Nov 15, 2012
When I started college I signed up for the Discover Student More Card. It was recommended to me because of its great advantages from being a student. I have had a great experience with it in the past couple years. It has been an easy way to build my credit up. It has a pretty low interest rate, which helps a lot. Also, it has a great cash back policy. I have always paid it on time so that has not been an issue with this card. I would recommend this card to students that are looking to start building their credit.
Photo of Andy P.
Oct 24, 2012
I admit, I was scared about getting a credit card as it is quite a scary prospect. However, after having the Discover student card for a while, I have to say that it was a great decision, my natural caution to use it is good, but when I do I enjoy 0% interest, and best of all: no annual fee. So with this card I'm able to just ignore it, and if I need it, I use it and then pay it off. My credit is getting better every day and I'm not really doing anything that hard. Plus, in an emergency scenario, it's good to know I can fall more
Photo of Lilian H.
Oct 11, 2012
This card is my very first credit card. I recently got it because I want to be able to have a good credit score so I can eventually get an apartment away from my college campus. I mostly use it when I buy gas for my car, but every now and again I use it when I shop online as well. The cash back from stores sometimes is a really nice bonus, and one of my favorite things about this card. Since I have a job, I usually pay off the balance right after I get paid, which keeps me from getting behind. My best friend is the one who more
Photo of Matt F.
Sep 27, 2012
The Discover student credit card is a great first time credit card for students. I've been using this card for two years and I've had a great experience with it. It is really helpful just to use a few times a week to help me build up credit which I will need after graduating college. I am also a big fan of the cash back bonuses that can be applied to purchases. I buy almost everything on amazon so I find myself using these bonuses alot and its a nice little boost in extra cash. Overall I would recommend this card to anyone looking for their first credit card, more
Photo of Chu M.
Sep 5, 2012
I recently got a student credit card with Discover to start building my credit score. I’m a second year college student and will be looking for apartments and bank loans soon, so I need to be prepared with a solid credit score. While I only got it at first to build credit, I ended up using it a lot more than I planned to. Discover is great and you get a lot of cash-back benefits. Every three months (I think) there is a rotating list of places where you can get 5% cash-back, which is great! Also, every time I call customer service, they are always so nice and helpful. more
Photo of Adrian P.
Sep 5, 2012
The Discover Student More credit card is the card I had in terms of many things but it especially shines in the department of low interest rates on my purchases. I have bought many different things that I need for school with this card and they were all great purchases. The really low interest rate really helped out because I needed to get books at the time and couldn’t afford to pay for them with cash. Now that I am paying them off I am glad that I used this card because the interest is so low it doesn’t impact my income of money from the current job I have. more
Photo of Mallory A.
Aug 30, 2012
I have had this card for three years now and am thoroughly satisfied with it. I initially got this card to use exclusively to pay for my gas and small purchases to build up my credit. Upon entering college I found it easier to charge all my purchases to the card so as to track my spending more easily and earn cashback on my purchases. I have not carried a balance so the APR has not ever had an effect, but I do like that there is a promotional rate of 0% on balance transfers should I have need. Though you should not choose this credit card for its rewards more
Photo of Dylan M.
Aug 30, 2012
Shortly after going to college I began receiving numerous solicitations in the mail for credit cards. Initially I passed off the idea because I was under the impression that credit cards were a sure-fire way to land yourself knee deep in debt. With some fiscal sense and responsibility, though, this is not the case. When I came to the realization that building credit is something I needed to do, I chose to sign up for the Discover student card because their cash back program is hard to beat and Discover is my parents' card of choice.

I have had the card for about six months and am still enjoying the introductory more
Photo of Marc P.
Aug 30, 2012
Photo of Andrew S.
Aug 15, 2012
Well, I'm back to school this year to get my degree in English Lit. I already had a credit card, but I felt that the one I was using might not work when my income isn't as steady. I'm always careful about paying my card off, but I just wanted something with some student perks. I got the Student Discover because of the 9 month intro rate of 0% which has really helped me prepare for the upcoming term by buying vital stuff like books and supplies. I figured I would just not use a credit card at all during college, but in all honesty I need to keep my more
Photo of A.j. M.
Aug 6, 2012
Going into college I realized that it is important to begin acquiring credit in a responsible manor. I received an advertisement for this card in the mail and began to start researching the different offers and promotions that other student credit cards offer. At the conclusion of my research I decided that this card would be a great fit for me.

I have had this card for over a year now and I have not had any problems with it. Eventually I am sure that I will move to a regular credit card with a higher limit, but for right now this card is the perfect fit for me at more
Photo of Tyler H.
Aug 6, 2012
When I first got a letter in the mail about this card, I figured it was just more useless spam. Upon doing a little more research, however, I was pleasantly surprised. No monthly fee and decent cash-back bonuses? Don't mind if I do.

If you don't have much of a credit history (and honestly, I don't think that many college students do), then this card might be the way to start building one. Discover is willing to give these cards out to pretty much anyone who wants one, and their low credit limit means you won't get yourself in trouble if you’re the kind of person who likes to… well, indulge more
Photo of Eilene E.
Aug 2, 2012
I have had this credit card for about two years now and have had no issues with it all. I think it's great that their are credit cards out there for students to be able to use in order to establish some credit while they go through school. My favorite thing about Discover is the cash back rewards program. Each quarter their are different things you can purchase to earn 5% cash back and Discover times up the rewards perfectly. For instance, during summer months you get 5% back on gas and amusement parks while during the holidays you get 5% on holiday shopping. It's a great way to earn more
Photo of Brett C.
Jul 18, 2012
This is my first credit card, so I'm not really able to compare it to any other cards, but for what it's worth, I think this card is great! I applied because I'm a college student looking to establish credit. However, because of the awesome cashback rewards, I use my Discover card for almost every single purchase I make. Getting some money back for buying things I already would've bought anyway is pretty cool! And the fact that those rewards can be spent directly on Amazon, my favorite store, is awesome. From what I understand (as I said, can't really compare to any other cards), the APR is pretty high, more
Photo of Annabell H.
Jul 18, 2012
I think this is a great card for students and a great way to establish credit. I got a different card which I was unhappy with and easily did a balance transfer. Customer service was helpful and it was easy! I'm glad that there is no annual fee, because a lot of other credit cards have a fee that could feed me for a week! As with all credit cards, just make sure you pay on time. I think their fees are fair along with their grace period. I luckily haven't been late, but it is good to know what to expect if something like that happens. Also, online payments more
Photo of Mitchel S.
Jul 6, 2012
I have the student version of Discover More, but I love it! Discover was my first credit card, and I found the online component easy to use and makes managing your credit card as headache-free as possible. I only use my card to build credit history, not make large purchases, so I have not used some of the card’s most advanced benefits (like APR – I’m not even sure what it means). In the online portal you can elect to receive email alerts whenever your statement is ready, which really helps me pay on time without being penalized.

I have used it’s 5% cash back bonus for select categories like gas more
Photo of Cassondra G.
Jul 3, 2012
After using a debit card for years, I decided that it would be a smart idea to get a credit card in order to start building a credit history and plan for the future. Being a college student, I was looking for a card with a low limit (so that I wouldn't be tempted to overspend) as well as a greater cash back percentage than your typical credit card. Upon doing some research, I found that the Discover Student Card was one of the most popular options for college students and "beginner" credit card users and, after having the card for about a year, I can easily see why. The more
Photo of Ashley P.
Jul 3, 2012
I’ve had this card since I was 18 and have had nothing but good experiences with it. I like that the limit isn’t very high so you aren’t worried about spending too much. I also love the cash back rewards! Every few months there are a certain types of stores where you receive 5% cash back instead of just the usual 1%! It’s a great incentive to use the card and to also get it paid off quickly. It’s also fun that you can customize the card to have any picture you want on it. It’s a cute added bonus. Overall, I would highly recommend the Student Discover to someone more
Photo of John F.
Jul 3, 2012
After having a credit card at another bank that I just wasn't really satisfied with, I decided to go with the Discover Student More Card. This card was exactly what I was looking for as a student in college. It is also a good beginner credit card for someone who doesn't have any credit history. My favorite part about this card is that there is no annual fee while at the same earning cash back on all my purchases. This is a win-win type of deal for me. Overall, I would recommend this card to any student in college who is currently looking to improve or build their credit.
Photo of Jon Q.
Jun 27, 2012
This card is great for students just starting out. You don't have to pay an annual fee which helps on a tight budget. Even though it doesn't have some features other cards have, it is still great for a student who is using a credit card for their first time. The interest rate isn't bad especially if you just pay off your credit every month. The cash back does help and adds up over time which is always useful to a college student. You can check everything online so it is pretty useful. I haven't had any problems with my card so far but setting it up was easy and more
Related Credit Cards

If you are interested in the Discover it Student Credit Card with $20 cash back, check out the following credit cards as well:

Related Credit Card Categories

Discover it Student Credit Card with $20 cash back is related to the following credit card categories:

CardHub is an independent card comparison service.

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Once you click the "Apply Now" button, you will be directed to the issuer's website. Before applying, we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Discover it Student Credit Card with $20 cash back shown on this page.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted toward the top of the page using the designation "Sponsored Card", when applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Regardless of advertiser status, none of the information on CardHub constitutes a referral or endorsement of the respective issuer by us, or vice versa. Furthermore, it is important to note that the inclusion of non-sponsored cards on CardHub does not indicate that issuer's involvement with the site. Information is displayed first and foremost for helping consumers make better credit card decisions.

Last updated on: Feb 20th, 2016 at 12:00 EST

Your email request has been submitted

Thank You

Go Back

Share by Email

250 Characters Remaining