Discover it® Student Chrome Review

Last Updated on May 13, 2026

Offer Rating

4.0/5

By Our Content Team

EDITOR

The Discover it® Student Chrome credit card is designed to help students build credit while enjoying cash back on dining and gas purchases. With its easy-to-use rewards program and $0 annual fee, it's a great option for students looking to earn while they spend.

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Rates & Fees

Discover it® Student Chrome

4.0 BCC Score

Apply Now

on Discover's secure site

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year

Rewards Rate

2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.

Intro APR

0% Intro APR for 6 months and 10.99% Intro APR for 6 months, then 16.49% - 25.49% Variable APR

Annual Fee

Credit Score Needed

Fair, New to Credit

Card Brand

Discover

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount
No credit score required to apply.
No annual fee and build credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% - 25.49% applies.
Terms and conditions apply.

Pros

Earn generous cash back rewards on every purchase
Discover will match all the cash back you’ve earned at the end of your first year
No annual fee, no foreign transaction fees, and award-winning customer service

Cons

There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
A quarterly cap on the 2% cash back applies

OUR EXPERT REVIEW

Why We Like It

The Discover it® Student Chrome credit card is designed for students, specifically those who spend a lot on gas and at restaurants. It comes with a stellar rewards rate: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases. On top of that, Discover will match all the cash back you’ve earned at the end of your first year. There's no signing up and no limit to how much is matched.

One of the things that makes it stand out among other credit cards for students is that the Discover it® Student Chrome card offers a nice intro APR period of 0% Intro APR for 6 months on purchases. After the intro period is up, the ongoing APR is 16.49% - 25.49% Variable APR. This card also comes with no annual fee, no foreign transaction fees, no late fee on the first late payment, and no APR change for paying late.

Discover is widely praised for going above and beyond for their cardholders. For example, with Discover it® Student Chrome, you'll enjoy 100% U.S. based customer service and a free Credit Scorecard with your FICO® Credit Score. All in all, this card is a great fit for students looking to build their credit and earn cash back at the same time!

Pros & Cons

Pros

Earn generous cash back rewards on every purchase
Discover will match all the cash back you’ve earned at the end of your first year
No annual fee, no foreign transaction fees, and award-winning customer service