Discover it® Chrome for Students

The Discover it® Chrome for Students offers cash back rewards for students — 2% cash back at grocery stores and restaurants all year long, up to $1,000 each quarter.

Discover will also double the total amount of cash back you earn in your first year, which is a great bonus. And if you get a GPA of at least 3.0, you’ll get a $20 good grades reward for up to 5 years.

There are some basic shopping and travel protections, like Purchase Protection and Auto Rental Insurance. You can also check your FICO 8 Credit Score for free at any time, based on your TransUnion credit report.

Discover is also known for having great customer support, so if you have any problems or questions they should be able to help. Overall it’s a very good option to help students improve their credit, offering rewards and favorable terms.

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Quick View

Quick View

  • Rewards
    • 2% Cash Back on Gas and Restaurants: Up to $1,000 each quarter
    • 1% Cash Back on all other purchases
    • Earn from 5-50% Cash Back when shopping through the ShopDiscover market
    • Rewards can be used directly at Amazon.com
  • Signup Bonus Double all cash back rewards earned in the first year of usage
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR 10.99% for 6 Months
  • Regular Balance Transfer APR 14.24%–23.24% Variable
  • Cash Advance APR 26.24% Variable
  • Penalty APR None
  • Late Fee $0 the first time; up to $37 after that
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Cash Back Rewards for Good Grades

    Get $20 cash back for every school year in which your GPA is 3.0 or higher. Available for up to 5 years. Cardholders must apply for this credit manually each year.

  • Free FICO® Credit Score

    View your FICO score any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.

  • Cash At Checkout

    When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.

  • Refer a Friend for Cash Back

    Get $50 cash back for every friend who successfully applies for a card using your referral link. Up to 10 per year.

Shopping

  • Price Protection

    If you find an item you bought being advertised for a lesser price within 90 days of purchase, you can be reimbursed for the difference.

Account Management

  • Personalize Your Card

    Choose from a number of different designs to personalize your card, including several chrome colors, a variety of designs, and a wide selection of NHL team logos.

  • Pay up until Midnight

    You have up until midnight of the due date to pay your bill, online or by phone.

  • Temporarily Freeze Your Account

    Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.

  • Card Replacement

    Free overnight shipping in the U.S. if you need your card replaced.

  • Spend Analyzer Financial Tool

    Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.

Security

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

  • Fraud Protection

    Your card account will be monitored 24/7 for suspicious activity.

  • Free Social Security Number Alerts

    Get alerts if your SSN is found on any thousands of risky websites.

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