Review
Discover it® Student Chrome Review: Top Cash Back for Building Student Credit
The Discover it® Student Chrome is an ideal starter card, boosting your rewards with a first-year cash back match and helping build credit responsibly. Discover if this $0 annual fee card is right for your student spending.
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 reward...