Review
Discover it® Student Chrome Review: Great First Card with Cashback Match
Looking for a great first credit card? The Discover it® Student Chrome card could be it! Read our review to find out how you can effectively double your cash back rewards in the first year.
| Annual Fee | $0.00 |
| Regular APR | Purchase APR: 16.49% variable to 25.49% variable. Cash Advance APR: 28.49% variable. Balance Transfer APR: then Purchase APR applies. |
| 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. |
| Rewards Rate | 2% cash back at gas, restaurants |
| Sign-up Bonus | Unlimited dollar-for-dollar match of cash back |
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...