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Discover it® Chrome for Students

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Our rating
Min. credit level: No Credit
Annual Fee: $0
Regular APR: 14.74%–23.74% Variable
Intro Balance Transfer APR: 10.99% for 6 months
Intro Purchase APR: 0% for 6 months

Discover it® Chrome for Students

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

Highlights & Features


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


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 14.74%–23.74% Variable
Balance Transfer Fee 3% intro balance transfer fee (5% on later balance transfers)
How to Transfer a Balance on a Credit Card


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 26.74% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
Discover it® Chrome for Students


  • Cashback Match: Double all the cash back you’ve earned at the end of your first year automatically.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter, then 1%.
  • Free FICO® Credit Score on statements, online & by mobile app.
  • 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment and paying late won’t raise your APR.
  • Each Discover purchase is monitored for fraud, and you’re never responsible for unauthorized purchases on your Discover card.


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%).