Discover it Secured Credit Card
discover
4.5 / 5
Discover
Discover it Secured
- Welcome
- No welcome bonus
- Annual fee
- $0
Advertiser disclosure: we are paid when you apply through some links on this page. We're paid when you apply via some links. Details
Discover · discover it
Discover it Student Cash Back
4.4 / 5
Discover Cashback Bonus · Personal card
The best student card in year one because of Cashback Match, and Discover now layers on a $100 statement credit after $300 in spending during the first 3 months.
At a glance
- Welcome bonus
- No welcome bonus
- No spend requirement
- Annual fee
- $0
- Purchase APR
- 16.49% to 25.49%
- Intro: 0% for 6 months
- FX fee
- None
- BT intro: 10.99% for 6 months
Editorial
Our take
The best student card in year one because of Cashback Match, and Discover now layers on a $100 statement credit after $300 in spending during the first 3 months.
Verdict
Pros & cons
Pros
- $0 annual fee
- Cashback Match doubles year-one earnings
- No foreign transaction fee
- Designed around limited credit history
Cons
- Discover acceptance is narrower internationally
- Rotating categories require activation
- Ongoing APR climbs as high as 25.49% once the intro period ends
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Rotating 5% categories | 5% | Rotating quarterly bonus categories, up to $1,500 per quarter, activation required.·cap $1,500 |
| All other purchases | 1% |
Benefits
Key benefits
Cashback Match for year one
Discover doubles your first-year cash back automatically.
Built for students
Designed for limited credit history. Free FICO score every month.
5% rotating categories
Quarterly 5% bonus categories with activation.
Fit
Who this is best for
- Undergraduates building credit
- Students who want a fee-free card with real rewards
- First-time cardholders
FAQ
Frequently asked questions
What is the Discover it Student welcome bonus?
Discover automatically matches all the cash back you earn in your first year as a cardmember, with no minimum spend and no limit on the match.
Does the Discover it Student charge an annual fee?
No. The Discover it Student has a $0 annual fee.
Does the Discover it Student have a foreign transaction fee?
No. The Discover it Student charges no foreign transaction fee, so it works well for international purchases.
Does the Discover it Student offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 6 months on purchases. The ongoing purchase APR is 16.49% to 25.49% variable.
Who is the Discover it Student best for?
Undergraduates building credit. Students who want a fee-free card with real rewards. First-time cardholders.
Similar
Related cards
Discover it Student Chrome
discover
3.9 / 5
- Welcome
- No welcome bonus
- Annual fee
- $0
4.5 / 5
- Welcome
- $750 cash
- Annual fee
- $0
Apply
Discover it Student Cash Back
No spend requirement
Rates accurate as of October 6, 2026. Issuer terms.