To qualify for the Discover it® Student Cash Back, applicants must meet some basic but important criteria. You don’t need a strong credit score — in fact, many approved users have limited or no credit history, which is ideal for students.
✅ Minimum Requirements:
- Must be at least 18 years old
- U.S. citizen, permanent resident, or international student with SSN/ITIN
- Enrolled in a college or university (proof may be required)
- Source of income (part-time job or parental support)
- No major negative marks on any credit file (if you have one)
📈 Tips to Boost Approval Chances:
- Apply with a low credit utilization ratio, ideally under 30%
- Report any legitimate income, including scholarships or stipends
- Use a U.S. address that matches bank records and college enrollment
- Don’t submit multiple credit card applications in the same month
- If denied, consider calling the Discover reconsideration line with additional documentation
Step-by-Step: How to Apply for the Discover it® Student Cash Back
- Go to the Discover Official Website Navigate to the student credit cards section at discover.com.
- Choose the Card and Click “Apply Now” Select “Discover it® Student Cash Back” and begin the secure application.
- Enter Personal & School Details Input name, address, SSN, school info, and expected graduation date.
- Report Income & Monthly Expenses Include any income (job, parental support, grants). Be honest—Discover may verify.
- Review, Submit & Wait for Instant Decision Most students receive a decision in under 60 seconds. In some cases, additional review may take 5-7 days.
Hidden Perks and Optimization Hacks
Most users only scratch the surface of this card’s full potential. Here’s how savvy students are maximizing rewards and benefits:
- Sync with Amazon.com: Link your Discover card and pay directly with cashback.
- Activate rotating categories early: Discover sends reminders but enrolling manually ensures you never miss a 5% window.
- Pay a few days early: Builds payment history and increases your available credit faster.
- Refer friends: Earn up to $100 per referral (limited-time promos can increase this).
- Freeze it® feature: Instantly lock your card via the app if you misplace it — a lifesaver on campus.
FAQs: Things Most Students Forget to Ask
1. Can international students apply?
Yes — if they have an SSN or ITIN. Discover has been known to approve students with thin credit files, especially if enrolled at accredited U.S. universities.
2. What happens if I miss a payment?
Your first late payment fee is waived, but your credit score may still be impacted. Set up auto-pay to avoid this.
3. Does this card graduate to a non-student version?
Yes — after graduation or a few years of use, Discover may transition your account to a regular cash back card with higher limits.
4. Can I redeem cashback for statement credit?
Absolutely. You can also redeem for gift cards, Amazon purchases, or even donate it.
5. What’s the best way to use Cashback Match?
Focus your spending on 5% categories, use the card consistently, and avoid interest by paying in full. Double the cashback is most powerful when you earn it strategically.
6. Is there a mobile app?
Yes — and it’s one of the top-rated credit card apps for students, with features like FICO tracking, freeze card, alerts, and spend breakdowns.
Alternatives Worth Considering
If Discover doesn’t approve you — or you want options — here are three solid alternatives:
| Card Name | Best For | Notable Features |
|---|---|---|
| Capital One Quicksilver Student | Flat-rate earners | 1.5% cashback on all purchases |
| Chase Freedom Student | Long-term banking relationships | $50 bonus + predictable path to upgrade |
| Deserve EDU Mastercard | International students | No SSN required + Amazon Prime Student offer |
Each has no annual fee and is designed for students starting their credit journey.
Final Thoughts: Is It Worth It?
For most students, the Discover it® Student Cash Back delivers unmatched value in its class:
- High cashback potential with first-year match
- Flexible redemption options
- Easy-to-use mobile tools
- Forgiving policies for beginners
However, it’s best for organized students who can activate categories on time and avoid interest charges. If you tend to carry balances, a lower APR student card might suit you better.
👉 Pro tip: Students like Jordan P., a sophomore at UCLA, reported earning $350+ in cashback during their first year by optimizing every bonus category and referring two friends. “It’s like getting paid to buy textbooks,” they joked.
