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Discover It Student
Karan Jakhar
The Rich Grad Student
Discover It Student
Secure Application
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Learn moreWhy we opened it!
This is an excellent starter credit card for students. Double your rewards in your first year!
It is a great way to learn that not every purchase earns the same rewards. Pay attention to the rotating bonus categories and use them strategically to maximize your cash back.
The card offers 5% cash back in rotating categories that are especially useful for graduate students. These often include grocery stores, gas stations, and Amazon.
You will likely start with a low credit limit (often under $1,000), but with on-time payments and low utilization, you can gradually earn higher limits and eventually upgrade to a regular Discover it card.
RGS Value Table
| Category | Cash Back |
|---|---|
| Signup Bonus | $0poor |
| Annual Fee | $0 |
| Annual Credits | $0 |
| Net Annual Fee | $0great |
| Travel | 1%poor |
| Grocery | 5% (up to)great |
| Gas | 5% (up to)rgs wallet |
| Dining | 5% (up to)rgs wallet |
| Pharmacy | 5% (up to)rgs wallet |
| Other Purchases | 1%poor |
| Lounge Benefits | Nonepoor |
| Partner Benefits | Nonepoor |
| Misc Benefits | Unlimited dollar-for-dollar match of the cash back earned at the end of the first yeargood |
Signup Bonus
Key MetricAnnual Fee
Annual Credits
Net Annual Fee
Key MetricTravel
Key MetricGrocery
Gas
Dining
Key MetricPharmacy
Other Purchases
Lounge Benefits
Partner Benefits
Misc Benefits
Table Key:
*Point valuations shown are example redemptions; actual values vary by route, dates, and availability. Results not typical or guaranteed.
Additional Information
**On up to $1500 combined per quarter
Personal advice only. We are not a bank, lender, or financial advisor. Offers change, and banks do not endorse this content. Always read your cardmember agreement and fee schedule before applying or using any card. Use these recommendations at your own risk. You must be 21 years or older, and this website is not intended for undergraduate students. When you choose to apply (and are approved) for a credit card through our site, we may receive compensation from our partners, which may influence how or where these products appear. We only recommend products we genuinely believe benefit graduate students and decline offers that do not align with that goal.
