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Discover it® Student chrome

Discover it® Student chrome


Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 27 Offer Ratings
Over the Past 60 Days!

(27) Over the Past 60 Days!

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  • Regular Purchase APR 12.99% - 21.99% Variable APR
  • Intro Purchase APR 0% Intro APR for 6 months
  • Intro BT APR 10.99% Intro APR for 6 months
  • Annual Fee $0
  • Credit Needed


  • Card Brand Discover

Card Details


  • INTRO OFFER: Unlimited Cashback Match – 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 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. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • See Rates & Fees

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Cash Advance Fee see terms

Penalty APR None

Ongoing Information

Rewards Rate 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

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

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, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment. 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 12.99% - 21.99% Variable APR on purchases and 12.99% - 21.99% 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 cardmembership. 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 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. 

Expert Reviews of the Discover it® Student chrome

  • 4.0

    Regular APR

  • 3.5

    Intro APR

  • 4.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

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.

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.

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.

Consumer Reviews

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