Capital One, National AssociationNationwide

Discover It® Student Cash Back

No annual fee

Purchase APR: 16.49%–29.24% APR
Foreign transaction fee: None
Intro APR: 6 months
Targeted credit: No credit history · Fair–Good (620–719) · Excellent (720+)

Rewards rates

💳5% All purchases5% in rotating quarterly categories up to quarterly max (activation)activation required
💳1% All purchases1% cash back on all other purchases (first-year Cashback Match)

Welcome offer

$100
after $300 spend in the first 90 days · $100 statement credit after $300 spend in first 3 months

APR & fees: CFPB Terms of Credit Card Plans survey (as of 2025-12-31). Rewards: issuer public pages (collected 2026-08-31) — every figure above appears verbatim in the source; terms shown may lag issuer changes.

Informational comparison only — not financial advice and not an offer of credit. We don't check your credit or guarantee approval. Confirm current terms with the issuer at www.discover.com.