Expert Review

Editor's Overall Rating

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4

         

From the LendingTree editorial team, updated on Mar 25, 2025

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 17.24% - 26.24% Variable APR on purchases and 17.24% - 26.24% 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. 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 extra 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. 

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.