This card pays for itself with its generous signup bonus and decent earn rates, but be aware that you'll pay off the balance in full each month to avoid 17-26% interest. If your spending habits are predictable and you tend to focus on rotating categories like gas stations or grocery stores, this card can provide some extra cash back without requiring a high credit score. However, if you travel abroad frequently, it's not worth it due to the lack of foreign transaction fee waiver.
What you actually earn
Who this card is for
Students and young adults with limited or fair credit who spend around $500-$1,000 per month on essentials like groceries, gas, and entertainment will benefit from this card's straightforward rewards structure.
The compliance footnote
The it Student Cash Back carries a $0 annual fee with an APR range of 17.24–26.24% Variable. Foreign-transaction fee is none. The current signup offer is Cashback Match — doubles all cash back earned in year one. These terms are accurate as of 2026-05-06 and may change at the issuer's discretion. We earn a referral fee on approved applications referred via the Apply link, at no cost to you.