Discover it® Student Chrome
Discover it® Student Chrome Review
The Discover it® Student Chrome credit card has a slew of fee-free services and an excellent rewards program. If you’re trying to build your credit while in college, this is a great choice – just be sure to make your payments on time and keep your account active so you can redeem all cash back bonuses.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Discover it® Student Chrome
SIGN-UP BONUS
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
REWARDS RATE
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Intro Purchase APR
0% Intro APR for 6 months
Rewards Rate
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Ongoing APR
18.24% - 27.24% Variable APR
Annual Fee
$0
Card Brand
Discover
Recommended Credit Score
Limited/FairHighlights
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
- Terms and conditions apply.
Additional Info
None
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
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Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Apr 01, 2024
Discover it® Student Chrome was created for students - and only students. You must be enrolled in a college or university in order to get approved for this card. This card comes with everything you wish all cards came with – no annual fee and no foreign transaction fees. Cardholders will also enjoy an intro APR of 0% Intro APR for 6 months on purchases and an intro APR of 10.99% Intro APR for 6 months on balance transfers. After that, the APR is 18.24% - 27.24% Variable APR on purchases and 18.24% - 27.24% Variable APR on balance transfers.
As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of card membership. Users will earn Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. That means students earn unlimited 1% cash back on purchases you're already making, such as text books and coffee for late night study sessions. Additionally, student cardholders will earn bonus cash back at gas stations and restaurants.
Card users have the ability to choose their payment due date and payments are considered on-time until midnight the day of. Discover offers great customer service that’s available any time of the day to answer your questions and is located in the U.S.
The Good
- Earning bonus cash back on every day purchases such as at gas stations and at restaurants is appealing enough for students to want this card. Card holders will also receive 1% cash back on all other purchases.
The Not So Good
- The minimum line of credit is a bit low, starting at $500.
The Bottom Line
The Discover it® Student Chrome credit card has a slew of fee-free services and an excellent rewards program. If you’re trying to build your credit while in college, this is a great choice – just be sure to make your payments on time and keep your account active so you can redeem all cash back bonuses.
Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Discover.
Related Card Offers
on Discover's secure site
Intro Purchase APR
0% Intro APR for 6 months on purchases
Rewards Rate
Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
Ongoing APR
18.24% - 27.24% Variable APR
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on Bank of America's secure site
Sign-Up Bonus
Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases
Build Credit
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO<sup>®</sup> Score for free within Online Banking or your Mobile Banking app.
See Our Review
on Capital One's secure site
Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
No Rotating Categories
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
APR
19.99% - 29.99% (Variable)
See Our Review