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Why we like it: The Discover it Student Cash Back card offers up to 5% cash back across rotating quarterly categories — from dining out, groceries, and streaming services to specific retailers like Amazon, Walmart, and Target. If you max out the 5% rewards each quarter with $1,500 spent across rotating categories, you'll earn $300 in cash back. After that, you'll still earn 1% cash back on all other spending.
Let's say you max out the $1,500 cap each quarter ($6,000 annually), and spend the remaining $10,903 from your estimated annual budget on purchases that earn 1% cash back. In total, you'd earn about $409 in cash back each year: $300 from 5% rewards and $109 on everything else.
With the Discover it Student Cash Back card's Cashback Match welcome offer, you could also get an additional $409 at the end of your first year, for around $818 in overall cash back.
Read our full review of the Discover it Student Cash Back card

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