Discover it® Student chrome

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Credit needed
Credit is fair and new.
Variable APR: 12.99% to 21.99%
Annual Fee

Card Summary

Discover it Student Chrome gives college students the opportunity to improve their credit score and earn rewards.

The Discover it Student chrome earns you 2% cashback on your first 1,000 purchases made at restaurants and gas stations in a quarter. You can also double the amount of cash back that you earn the second year.

Review of Discover It Student Chrome:

The card may be suitable for students looking to build their credit and earn cash back.
Students who are looking for a higher earning card and more bonus categories may not like this card.

The pros

All the cash you receive the first year is match.
Get 2% Cash Back at Gas Stations and Restaurants for the First $1,000 of combined Purchases each Quarter.

Card Summary - Cons

Base rewards rates of just 1%Caps bonus rewards.

It's great for: Students enrolled in college looking for credit.

This is not the place for: People who aren't averse to eating out or gas.

Rates and fees

Issuer Name
Penalty APR
Credit Needed
Credit is fair and new.
Balance Transfer Fee
3% Intro Balance Transfer Fee, Up to 5% on Future Balance Transfers.
Annual Fee
Cash Advance Fee
Variable APR: 12.99% to 21.99%
Foreign Transaction Fee


Unlimited Cashback Match, only at Discover. All the cash you earn in the first year will be automatically matched by Discover. You could convert $50 into $100. Or turn $100 into $200. You don't have to spend minimum or receive maximum rewards. Only a dollar for every dollar match.

Gas Stations and Restaurants offer 2% cashback on purchases up to $1,000 each quarter. You can also earn unlimited cashback on any other purchase - all you have to do is click. You can earn rewards and build your credit history to help you in the future.

Get your Credit Scorecard, which includes your FICO credit score, and other important information that will help you build your score.

There is no annual fee. There is no late fee for the first payment. Late payments do not incur an APR increase.

Refer-a-Friend: After becoming a Discover It Student cardmember, you will be able to earn a statement credit for each friend you refer. Refer a friend and over half a million students received Discover Cards.

You can turn on/off the Freeze It switch to prevent new purchases, cash advances and balance transfers within seconds. Receive an email alert when we locate your Social Security Number on one of the thousands of Dark Web websites. * Get activated for free. Nearly 99% of all credit card shops accept Discover.

Purchases for six months qualify for a 0% Intro APR. After that, the standard variable purchase rate of 12.99% to 21.99% is applied.

Comparative Analysis with Other Cards

Discover It Student Chrome vs. Discover It Student Cash Back

Both are Discover it cards so there are many similarities between these student credit cards.

Annual fee: Both cards do not have annual fees and both offer unlimited cash back at the end the first year.

Rewards: There are different rewards possibilities for the cards. The Discover It Student Chrome earns 2% cashback on purchases of up to $1,000 at restaurants and gas stations each quarter. After that, unlimited 1% cashback.

Sign-up bonus: When activated by Discover It Student Cash Back, you will receive 5% cashback on any rotating bonus category up to a maximum of quarterly. Rotating categories include grocery store, gas station, restaurant, and Amazon.com purchases. All other purchases earn Discover It Student Cash Back 1% cashback.

Discover It Student Chrome vs. Capital One's Journey Student Rewards

Annual fee: There is no annual fee for either card.

Rewards: The Discover It Student Chrome earns 2% cashback on purchases of up to $1,000 at restaurants and gas stations each quarter. After that, unlimited 1% cashback. Discover will match the amount of cash the cardholder earned during the first year.

Capital One's Journey Student Rewards cardholders earn an unlimited 1% cashback on all purchases. Cardholders also have the option to increase their cash back reward up to 1.25% per month by paying on time. Cardholders of Journey Student Rewards can also earn $5 each month on selected streaming subscriptions if they pay their bills on time.

Benefits: The Discover It Student Chrome benefits include FICO score access and identity alerts. You can also freeze your account in the event that the card is lost, stolen or damaged. The Journey Student Rewards benefits from Capital One include security alerts as well as $0 liability for fraud.


Do You Need to Discover It Student Chrome?

If you are:

You are a student who wants to improve your credit score.
Earn rewards when you spend at restaurants and gas stations.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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