Discover it Student
No annual fee, earning Cash, on the Discover network.
Card terms last verified against issuer pages on 2026-09-20.
The Discover it Student is a no annual fee card from Discover earning Cash. It earns 5x on airlines, 5x on gas, 5x on transit and 5x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Discover advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Airlines | 5x | |
| Gas | 5x | |
| Drugstore | 5x | Everything else |
| Transit | 5x | |
| EV Charging | 5x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Free FICO Credit ScoreFree access to your FICO credit score, updated monthly, with no impact to your credit score when you check it. Your FICO Credit Score, key factors and other credit information are based on data from TransUnion and may be different from other credit scores. | Once a year | — |
| Freeze it On/Off SwitchIf you misplace your card, you can prevent new purchases, cash advances, and balance transfers in seconds with the Freeze it on/off switch on our mobile app and website. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. | Once a year | — |
| Online Privacy ProtectionWe will help you regularly remove your personal info from select people-search websites that could sell your data. It is free, activate with the Discover app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. | Once a year | — |
| Free Social Security Number AlertsGet an alert if we find your Social Security Number on any of thousands of Dark Web sites. Activate for free. Free Social Security number alerts notify you if your Social Security Number is found on any of thousands of Dark Web sites. | Once a year | — |
| Cashback MatchUnlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we will match. So you could turn $50 cash back into $100. Or turn $100 cash back into $200. | Once a year | — |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- $0 Fraud Liability Guarantee — You are never responsible for unauthorized purchases on your Discover Card. An unauthorized purchase is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges.
Questions people ask about the Discover it Student
What is the annual fee on the Discover it Student?
The Discover it Student has no annual fee.
What does the Discover it Student earn?
5x on airlines, 5x on gas, 5x on drugstore, 5x on transit, and 5x on everything else, in Cash.
Does the Discover it Student charge foreign transaction fees?
No — the Discover it Student has no foreign transaction fee.
