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Discover it® chrome vs Discover it® chrome for Students

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4.0/5.0 from 5 Offer Ratings
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Purchase Intro Rate 0% for 14 Months* 0%* for 6 Months
Balance Transfer Intro Rate 0% for 14 Months* 10.99% for 6 Months
Foreign Exchange Fee None None
Annual Fee $0 $0
Best For Cardholders looking to pay no interest for an entire year and earn cash back on every purchase. Students looking for 6 months no interest, no fees and bonus cash back on everyday purchases.
Card Details Discover it® chrome Credit Card Details Discover it® chrome for Students Credit Card Details

Comparison Summary

CompareCards: Discover it® chrome Vs Discover it® chrome for Students Showdown

The Discover it® chrome Vs the Discover it® chrome for Students credit cards are very similar, yet are best for two different types of people. The Discover it® chrome card fits better for people that are looking to get approved with fair credit, enjoy eating at restaurants and fill up gas constantly to commute to work. The Discover it® chrome for Students Card is great for smart and responsible students looking to take advantage of a great credit card for them and getting rewarded for the hours spent studying. These two cards have very similar structures like few fees (no annual, no foreign transaction, no overspend fee, no first time late payment fee) so it’s very low risk and meant for people with fair and average or even poor credit. 

CompareCards Verdict: If you’re someone interested in increasing your credit score, having free access to FICO, and want to and enjoy cash back rewards cards these two cards are worth a look.

Matchup: Discover it® chrome vs Discover it® chrome for Students

Double Cash Back Vs Good Grades Rewards

  • Understandably the good grades reward only applies to students but for perspective the student rewards gets stretched into 5 separate years, so there is high incentive to use the card for those 5 years. The Discover it® chrome Card is applied to only the first year. So your cash back bonus much reach over $120 in order to match the bonus rewards, and you have a limit of $1,000 per quarter. Winner: Discover it® chrome for Students Card

11.99% - 23.99% Variable APR vs 13.99% - 22.99% Variable APR

  • Interesting matchup here. The Discover it® chrome Card has an initial APR of 0% for 14 Months* but a continuing APR of 11.99% - 23.99% Variable on purchases. The Discover it® chrome for Students Card has an initial APR of 0%* for 6 Months but but an ongoing rate of 13.99% - 22.99% Variable on purchases. It’ll depend on how much you plan on using the card, and if you plan on paying it all off every month of aggregating debt. In the end the extra months of lower APR wins out. Winner: Discover it® chrome Card

Which Discover It® chrome Card is Better?

While these cards are extremely similar and that Discover it® chrome Card the first year is a great reward, there are other cash-backs cards - that have a little bit of better of rewards and sign-up bonuses. There is a lack of student specific credit cards so any offer with student incentives is already a great reward.

The Discover it® chrome for Students is a better card for prospective students, current students and parents of students and its bonus has a lot of longevity to it, while the Discover it® chrome only lasts the first year.

Taking demographics and student vs non-student out of the equation - The Discover it® chrome for Students card is the winner of this matchup.

Expert Review

CompareCards: Discover it® chrome Card Quick Review

The Discover it® chrome Card is one of our more reliable cards. I say that because it doesn't require a good credit score in order to have it, it's great as a starter card, and great for building up credit. 

The biggest feature this card has is that Discover automatically matches all the cash back you've earned at the end of your first year*. If you earn $100 in Discover It cash back rewards for the first year you have this card, it’ll automatically get doubled to $200!

This card makes things very simple, it’s a great cash back credit card that fits in everyone’s wallet, no matter what your demographic or your credit score. 

Whether you’re a college student, parent or grandparent - this card will help you save money, especially for the duration of the first year. You get 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed. Plus, 1% cash back on all your other purchases.

There is no annual fee. No over limit fee. No foreign transaction fee. No late fee on first late payment and paying late won’t raise your APR. Feel free to reap the benefits and double your rewards today!

Pros of the Discover it® chrome Card

  • Great for people who dine out at restaurants or commute using a motor vehicle and need to fill up on gas.
  • Great for people who enjoy get cash back rewards, and what to take advantage of getting double cash their first year.
  • Great for people who purchase overseas, or internationally.

Cons of the Discover it® chrome Card

  • While Discover is a good option for Asia, some European destinations don’t accept it.
  • There is no initial sign-up bonus, rather they leave the bonus for the end of the first year.
  • After the first year, there are other cards that offer a little bit better of options, without the double cash back this card loses a little value.

What’s the Best Way to Use the Discover it® chrome Card?

This card is meant for people just starting to build up their credit. The best way to use the Discover it® chrome Card your first year is to… use it for the first year. Pretty advanced stuff right? 

Unless this card is going to be your ‘go-to’ card don’t bother using this card for any other purchases than dining at restaurants or filling up on gas. After the first year this card loses it’s major benefit and there are other cards that can make up for it like the Citi® Double Cash Card – 18 month BT offer.

Is the Discover it® chrome Card for You?

if you’re just starting to build credit, this card is easily approved for people with fair credit. It’s great for younger people just entering the work force and are ready to build credit for the feature, as well as take advantage of doubling their rewards in the first year. Though, after that there are better credit cards out there.

CompareCards: Discover it® chrome for Students Card Quick Review

The Discover it® chrome for Students Card is one of the best cards for college students and young adults. Not only do they not have to worry about an annual fee, or an overspend fee. But it rewards students for having good grades!

Not a lot of credit cards offer a free $20 for having a GPA of 3.0 or higher for up to 5 years. That’s up to $120 in cash rewards, and incentive for students to continue working hard in school.

This card is perfect for starting to build your credit while you’re still in school. Cardholders enjoy 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed. 1% cash back on all your other purchases. A great way to utilize it is to purchase your text books, put it on the Discover it® chrome for Students Card and pay it off as soon as you can. This both improves your credit score and give you a head start for your future self. 

If you’re a student or a parent of a student, consider applying for this card to take advantage of the good grades rewards that comes with it!

Pros of the Discover it® chrome for Students Card

  • Great for people with fair/average credit.
  • Great for high school students, college students or parents of students that are looking to get started with building their credit and have incentive to maintain a high GPA in school.
  • Great for people interested in their FICO Credit Score, which you can check for free on monthly statements and online.

Cons of the Discover it® chrome for Students Card

  • Not for people with poor spending habits, it’s better to use for one larger purchase and paying it off as fast as possible, purchasing textbooks is a good example.
  • Not for people with excellent credit. There are better cards out there for people with established credit.
  • Not for people looking for a higher spend limit.

What’s the Best Way to Use the Discover it® chrome for Students Card?

This card is meant for students, and parents of young adults in school that want to get a head start in building credit as well as looking for a student rewards credit card.

The best way to use the Discover it® chrome for Students card is to purchase your college textbooks, and school supplies in one month, pay it off as quickly as possible, then use it sparingly throughout the rest of the semester. This way you can increase your credit, and not worry about incurring further debt.

This card is a great for rewarding students that work hard, getting a free $20 for a 3.0 GPA or higher is enough incentive to apply today, before the semester ends.

Is the Discover it® chrome for Students Card for You?

If you’ve got school on autopilot and are looking ahead to the future, this card can help you get started with building credit. Using it just for school purchases is a great way to build credit, and you can keep track of your credit with the FICO credit scores that you will receive monthly or online for free. Apply for the Discover it® chrome for Students Card today.

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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