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 reliable 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/CreditCards · Sep 27, 2026
PositiveSummary of a Reddit post
Worked great throughout all four years of college as a starter credit line, though the lack of product change options makes upgrading after graduation harder.
Reddit · r/CreditCards · Dec 22, 2025
PositiveSummary of a Reddit post
Handled almost all daily college spending for over two years while building a strong credit score, though limited international merchant acceptance requires a Visa or Mastercard backup for studying abroad.
Reddit · r/CreditCards · Jul 17, 2025
PositiveSummary of a Reddit comment
Replacement cards arrive automatically before expiration, and the student account remained open for roughly a decade after graduation before converting to the regular version.
Reddit · r/personalfinance · Apr 27, 2025
PositiveSummary of a Reddit comment
Excellent starter-friendly first card that made building early credit history easy before qualifying for a second card.
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.