The Discover it® Student Cash Back is geared toward college students, so it may be easier to qualify for if you’re a college student building credit for the first time. You also get the chance to earn rewards without an annual fee.

Rewards: Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly cap maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee: $0

Benefits and Drawbacks: The Discover it® Student Cash Back is a good option for college students who want to earn rewards and build credit. You can earn up to $75 in rewards in this card’s 5% cash back bonus categories each quarter, but you’ll also earn 1% cash back on all non-bonus purchases.

Through their Cashback Match program, Discover will also match all the rewards you earn at the end of your first year.

The only real drawback is that Discover isn’t as widely accepted as other cards overseas.