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. |
| 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 earns an overall rating of 3.5. This card is a good option for students looking to build credit, primarily due to its accessible nature and reasonable rewards structure. Key strengths include the lack of an annual fee, Discover's reputation for customer service, and a solid rewards program, particularly the first-year cashback match. The 2% cash back on gas and restaurants caters well to student spending habits. However, the high regular APR is a notable weakness, potentially costing students who carry a balance. The rewards categories are also somewhat limited, and Discover's acceptance may be less widespread internationally. Considering its target audience and the value proposition it offers, the card provides a balanced set of benefits and drawbacks, making it a worthwhile choice for responsible student users.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Cashback on purchases
- Generous sign-up bonus
- No 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 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.
- You can use the Discover mobile app to set alerts, get your FICO Credit Score, plus see important details that help make up your score for free and more, all from your smartphone or tablet.
- 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 March 31, 2026.