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 (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%).
Card Quick Facts

Card Quick Facts

  • 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.

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

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

Introductory Bonus

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

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.24%–24.24% Variable
Intro Purchase APR 0% for 6 months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee $0 the first time; up to $37 after that
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 10.99% for 6 months
Regular Balance Transfer APR 15.24%–24.24% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 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 8 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 a Statement Credit Bonus

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

  • 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.

  • 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.

  • $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.

  • Freeze It

    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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 0 reviews

The Insider

Ellen Sirull
Credit Card Return Protection Benefits: How to Use Them to Get a Refund
Ellen Sirull | Jun 19, 2019

Does your credit card offer return protection? If so, you can use it to get reimbursed for certain purchases that merchants won't accept for returns.

Read More
Sean Messier
Can You Apply for a Small Business Credit Card With Only Your EIN?
Sean Messier | Jun 19, 2019

Can you apply for a credit card with only an EIN? Absolutely — but that doesn't mean your personal credit won't play a role in the process.

Read More
Brendan Harkness
The Best Charge Cards: For Travelers, Foodies, and Business Owners
Brendan Harkness | Jun 13, 2019

Charge cards are different from credit cards: They need to be paid off in full each month, but you may get a higher spending limit. See our favorites here.

Read More