Discover it® Student Chrome
The Bottom Line
4.2
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Discover it® Student Chrome is a simple and reliable starter card for students who want easy cashback without tracking rotating categories. You earn 2% cashback at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus 1% cashback on everything else. With no annual fee, Discover’s Cashback Match that doubles your rewards in the first year, 0% intro APR on purchases, and helpful credit-building tools, it’s a great option for students who prefer straightforward rewards while building credit responsibly.
Discover it® Student Chrome
Apply now
On Discover's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 10.99%, 6 months
Regular APR
16.49% - 25.49% Variable APR
Credit Score
New To Credit
Rewards Earn 2% cashback at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn 1% cashback on all other purchases.
1% - 2% Cashback
Welcome Offer Enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.
Unlimited Cashback Match (first year)
Designed for Students: No credit score is required to apply, making it easy for students to get started.
Welcome Offer
- Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.
Rewards
- 2% Cashback Categories (on up to $1,000 in combined purchases each quarter):
- 2% Cashback at Gas Stations.
- 2% Cashback at Restaurants.
- 1% Cashback on All Other Purchases.
Redemption Options
- Flexible Redemption Options: Redeem rewards for cash at any time, in any amount, or use them for purchases at Amazon.com. Cashback never expires.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Low Intro APR on Balance Transfers: Enjoy 0% intro APR on purchases and 10.99% Intro APR on balance transfers for 6 months from account opening.
- Regular APR: After the introductory period, a variable APR of 16.49% - 25.49% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: 3% of the transfer amount, for balance transfers completed by the date specified in the terms and conditions.
- Regular Balance Transfer Fees: 5% of each transfer amount, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: N/A.
- Late Payment: No fee on your first late payment.
Additional Features
- Custom Card Design: Choose from 25 colorful designs when you apply for the Discover it® card.
- Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
- Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
- Credit Line Increase: When you graduate, you can update your income and housing information and may become eligible for a credit line increase.
- Freeze it® : Temporally block new purchases, cash advances, and balance transfers.
Terms and Conditions
Click Apply Now to see the terms and conditions.