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.
Discover it Student Cash Back Reviews
Starter card
How the signal works
The signal score
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.
What people mention
Often liked
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (21)
Add your reviewShowing 3 reviews mentioning great rewards Show all
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%.
Common questions about Discover it Student Cash Back
Is Discover it Student Cash Back worth it?
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.
What do people like about Discover it Student Cash Back?
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.
What are the most common complaints about Discover it Student Cash Back?
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.
What does the signal score of 59 mean?
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.
What are the specs of Discover it Student Cash Back?
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.
Where do these Discover it Student Cash Back reviews come from?
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.