Starter card
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 5 reviews mentioning great rewards Show all
Reddit · r/CreditCards · Nov 30, 2025
PositiveSummary of a Reddit comment
Easy to get approved for as a student, offered a semester statement credit for a 3.0+ GPA, and converted smoothly into the regular version to remain the oldest credit line ten years later.
Reddit · r/personalfinance · Mar 12, 2026
PositiveSummary of a Reddit post
Cash back offers, student discounts, and zero fees make it an appealing first card, and setting up automatic payments after the first few purchases was straightforward.
Reddit · r/CreditCards · Jul 17, 2025
MixedSummary of a Reddit post
Rotating categories are a mixed bag after four years of ownership, though the 5% restaurant quarter is easy to max out and credit limit increases have been generous.
Reddit · r/CreditCards · Jan 15, 2025
MixedSummary of a Reddit post
Worth keeping for the quarters where the 5% calendar lines up, though after seven months of use everyday gas and restaurant spending often falls outside the rotating categories.
Reddit · r/CreditCards · Jun 6, 2026
MixedSummary of a Reddit post
Rotating 5% gas quarters are helpful when gas is your main expense, but non-bonus quarters drop back down to 1%.
Of the 21 reviews with a clear verdict, 48% are positive, 24% mixed and 29% negative. The praise mentioned most is easy to use. The most common complaint is poor support.
The praise reviewers mention most: easy to use (8 reviews), great rewards (5 reviews) and reliable (5 reviews). For example: Excellent starter-friendly first card that made building early credit history easy before qualifying for a second card.
The complaints reviewers mention most: poor support (3 reviews), account frozen (1 review) and hard to redeem (1 review). For example: Their Discover it Student card was lost in the mail and the account was closed for inactivity before they ever used it. They had no prior credit history and were left stressed about next steps.
It's how well reviewed Discover it Student Cash Back is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Starter card. Type: Student credit card. Fees: No annual fee. Rates & rewards: 5% cash back in quarterly categories when you activate; 1% on all other purchases.
21 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.