Discover
Discover it® Student Chrome
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Unlimited dollar-for-dollar cash back match |
| Rewards Rate | 2% and 1% cash back |
| 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 | Then 16.49% - 25.49% Standard Variable Purchase APR will apply. 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 4.2, placing it firmly in the 'Excellent' category. This card is an outstanding choice for its target audience: students looking to build credit responsibly while earning valuable rewards. Its strongest attributes include an exceptional fee structure (4.8) with no annual fee and no foreign transaction fees, coupled with Discover's superb reputation for customer service (4.7) and ease of approval for new credit users. The rewards program (4.3) is particularly strong in the first year, thanks to the unlimited dollar-for-dollar cash back match, effectively doubling all earnings. While the ongoing 2% cash back on gas and restaurants is solid for student spending, the first-year bonus significantly boosts its initial value. The primary drawback is the higher regular APR (2.3), which can become costly if balances are carried beyond the introductory period. However, for a student card emphasizing credit building and responsible use, this weakness is mitigated by the strong intro APR offers and the expectation of paying off balances in full. The card's overall value proposition for students, combining minimal costs, strong initial rewards, and excellent credit-building support, makes it a top-tier option despite its higher long-term interest rates.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Low credit score requirement
- Flexible redemption options
Things to consider
- High regular APR
- Limited rewards categories
- High balance transfer fee
- High cash advance 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.
Rewards
- Earn 2% cash back 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
- $0 Fraud Liability
- You're never responsible for unauthorized purchases on your Discover Card.
- 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.
- See if you’re pre-approved with no harm to your credit score
- Discover reports your credit history to all three major credit bureaus
- With Discover, redeem cash back for any amount
- Discover offers email and text alerts that you’ll be able to activate to stay informed of when your:
- Statement is available.
- Minimum payment is due
- Payment is posted
- Card is declined.
- Merchant refund is posted.
- Balance transfer is posted.
Additional Notes
Rates as of June 30, 2026.