Discover it® Student chrome


Rated 4/5 stars by our editorial team

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Why should I get this card?

If you drive or eat out, the cash rewards, intro 0% interest on purchases and no annual fee, make the Discover it® Student chrome a smart choice to build your credit history.

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  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
  • See Rates & Fees

Card Fees

  • Foreign Transaction Fee


  • Balance Transfer Fee


Additional Details

  • $0 Fraud Liability


  • Auto Rental Insurance


  • Extended Warranty Program


  • Roadside Assistance


  • Purchase Protection


  • Travel Assistance


  • Flight Accident Insurance


  • Lost Luggage Reimbursement


  • Concierge Service


Expert Reviews

Expert Reviews of the Discover it® Student chrome

  • Regular APR


  • Intro APR


  • Fees


  • Benefits


  • Overall Rating

    4.0 /5

From the Editorial Team

The Discover it® Student chrome was created for students - and only students. You must be enrolled in a college or university in order to get approved for this card. This card comes with everything you wish all cards came with – no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment. Cardholders will also enjoy an intro APR of 0% for 6 months on purchases and an intro APR of 10.99% for 6 months on balance transfers.

As an exclusive offer, you can earn double cash back at the end of your first year of cardmembership. Users will earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. That means students earn unlimited 1% cash back on purchases you're already making, such as text books and coffee for late night study sessions. Additionally, student cardholders will earn bonus cash back at gas stations and restaurants.

Card users have the ability to choose their payment due date and payments are considered on-time until midnight the day of. Discover offers great customer service that’s available any time of the day to answer your questions and is located in the U.S. 

The Bottom Line

The Discover it® Student chrome credit card has a slew of fee-free services and an excellent rewards program. If you’re trying to build your credit while in college, this is a great choice – just be sure to make your payments on time and keep your account active so you can redeem all cash back bonuses.

  • Why we like it

    Earning bonus cash back on every day purchases such as at gas stations and at restaurants is appealing enough for students to want this card. Card holders will also receive 1% cash back on all other purchases.

  • The Not so Good

    The minimum line of credit is a bit low, starting at $500.

Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Discover.

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