The Discover Student Tropical Beach Card is one of the only student credit cards that offers a cash-back program. In fact, the cash-back rewards offered by this student credit card beat some of the rewards programs offered for adults with long-standing credit histories.

With the Discover Student Tropical Beach Card, students can earn up to 5-percent cash back in popular categories; and if that wasn't impressive enough, you can double that cash-back reward by cashing in your reward at participating merchants.

The website for the Discover Student Tropical Beach Card was very easy to navigate. With some student credit cards, you have to fill out the entire application before seeing the details regarding costs.

The Discover Student Tropical Beach Card, however, eliminates this problem by clearly displaying all of the information right in the open on the application page. The application itself shouldn’t take you but more than a few minutes, as it’s all pretty self explanatory. Discover usually keeps things simple and basic, which you have to appreciate.

While rewards programs are rare when it comes to student credit cards, cash-back programs are even harder to come by. Students can earn up to five-percent cash back and then double that to ten percent if they redeem their bonus at participating merchants.