Discover
Discover it® Student Chrome
Key Features
| Annual Fee | $0.00 |
| Intro APR | Purchase APR: 0% intro rate for 6 months, then 16.49% variable to 25.49% variable. Balance Transfer APR: 10.99% intro rate for 6 months, then Purchase APR applies. |
| Regular APR | Purchase APR: 16.49% variable to 25.49% variable. Cash Advance APR: 28.49% variable. Balance Transfer APR: then Purchase APR applies. |
| Other Fees | Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: 3% Intro fee of the amount transferred; 5% fee for future transfers. |
| Network | Discover |
About this card
The Discover it® Student Chrome card is a solid choice for students seeking to build credit, justifying an overall rating of 3.6. Its strengths lie in its accessibility for those with limited credit history, Discover's strong reputation for customer service, and a reasonable fee structure (no annual fee). The rewards program, while not exceptional, is decent with 2% cash back on gas and restaurants (capped quarterly) and an unlimited 1% on all other purchases, plus an excellent first-year cashback match. However, the relatively high regular APR and limited rewards categories are weaknesses. The card is particularly well-suited to its target audience, making it a good value proposition for students who can manage their spending responsibly. The positive reputation and beginner-friendly features contribute to a favorable overall assessment.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Cashback on purchases
- Generous sign-up bonus
- Low credit score requirement
Things to consider
- High regular APR
- Limited rewards categories
- Balance transfer fee
What this card offers
Sign-up bonuses
- Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.
- There is no limit to how much we'll match.
- So you could turn $50 cash back to $100.
- Or you could turn $100 cash back to $200.
Rewards
- Earn 2% Cashback Bonus® 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.
Other features
- No annual fee. No credit score required to apply
- 99% nationwide acceptance — Discover is accepted nationwide by 99% of places that take credit cards.
- Discover gives you a choice of several unique card designs when you apply to become a cardmember.
- Track and redeem cashback rewards
- Easily message us for customer service right from our app
- Free Social Security number alerts: Get an alert if we find your Social Security number on the dark web. Sign up to activate this free benefit.
- Freeze your account: If you misplace your card, you can prevent new purchases and cash advances in seconds with the on/off switch on our mobile app and website.
Additional Notes
Rates as of December 31, 2025.