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Discover it® Student chrome

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Currently one of the best student card offers out there, the Discover it Chrome for Students helps young people establish credit while earning a little back. You’ll get 2% cash back on gas and at restaurants (which is doubled your first year), and Discover will even reward you for your good grades.

Our rating
Min. credit level: No Credit
Annual Fee: $0
Regular APR: 19.49% Variable
Intro Balance Transfer APR: 10.99% for 6 months
Intro Purchase APR: 0% for 6 months

Discover it® Student chrome

Our rating
No Credit Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 2% cash back, up to $1,000 spent per quarter (then 1%), at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases

INTRODUCTORY BONUS

Cashback Match: Double all cash back rewards earned in the first year of usage

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 10.99% for 6 months
Regular Balance Transfer APR 19.49% Variable
Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee $0 the first time; up to $39 after that
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.49% Variable
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Discover it® Student chrome

Highlights

  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 19.49%.
ABOUT THE ISSUER

Discover

Discover has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-347-3085 or

Try a different phone number
See all Issuer Cards

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 (then 1%).

Discover will also double the total amount of cash back you earn in your first year, which is a great bonus. That will give you a 4% cash back equivalent on gas and groceries until you hit the spending limit, and a 2% cash back equivalent for all other purchases.

Earn a GPA of at least 3.0, and you’ll get a $20 Good Grades Reward every year for up to five years. You can check your FICO Score 8 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 pretty good option to help students improve their credit, offering rewards, favorable terms and no annual fee.

There’s another student card from Discover that’s more rewarding, the Discover it® Student Cash Back (Review). It offers 5% cash back in a selection of rotating categories, on up to $1,500 in spending per quarter (then 1%).