Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Compare CardsIf you’re trying to build your credit while in college, this is a great choice – just be sure to make your payments on time and keep your account active so you can redeem all cash back bonuses.
- Robin Ratcliff, CreditCards.comThe Discover it Student chrome card zooms to the top of the class because of its winning cash rewards program and user-friendly features.
- CardcruncherThere are plenty of student credit cards on the market, but the Discover it Student Chrome is one of the few that will give you double rewards on gas and dining purchases. You'll earn 2% cash back on up to $1,000 spent each quarter in those categories, plus 1% back on all other purchases.
- Sally French, The WirecutterDiscover takes a more forgiving approach to how credit newbies manage (or mismanage) their accounts, potentially reducing the sting if you make a rookie mistake.
- Brian Martucci, Money CrashersA first credit card for students who commute to campus or regularly eat out at restaurants around town. With reasonable qualification standards, it’s also a great first credit card for students who need to build or improve their credit.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
19.49% (Variable) (0% for the first 6 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
19.49% (Variable) (10.99% for the first 6 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% 3% intro fee |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$39.00
|
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants |
2% cash back On up to $1000 in combined purchases every quarter. |
| Gas |
2% cash back On up to $1000 in combined purchases every quarter. |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | No |
| Additional Benefits |
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website. |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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Critic Reviews
Offers a slew of fee-free services and an excellent rewards program
If you’re trying to build your credit while in college, this is a great choice – just be sure to make your payments on time and keep your account active so you can redeem all cash back bonuses.
If you’re trying to build your credit while in college, this is a great choice – just be sure to make your payments on time and keep your account active so you can redeem all cash back bonuses.
Generous cash rewards program
The Discover it Student chrome card zooms to the top of the class because of its winning cash rewards program and user-friendly features.
The Discover it Student chrome card zooms to the top of the class because of its winning cash rewards program and user-friendly features.
For college students who spend a lot on dining and gas
There are plenty of student credit cards on the market, but the Discover it Student Chrome is one of the few that will give you double rewards on gas and dining purchases. You'll earn 2% cash back on up to $1,000 spent each quarter in those categories, plus 1% back on all other purchases.
Read full reviewThere are plenty of student credit cards on the market, but the Discover it Student Chrome is one of the few that will give you double rewards on gas and dining purchases. You'll earn 2% cash back on up to $1,000 spent each quarter in those categories, plus 1% back on all other purchases.
Read full review
Flexible alerts to help you establish good habits
Discover takes a more forgiving approach to how credit newbies manage (or mismanage) their accounts, potentially reducing the sting if you make a rookie mistake.
Discover takes a more forgiving approach to how credit newbies manage (or mismanage) their accounts, potentially reducing the sting if you make a rookie mistake.
A great card for practical students
A first credit card for students who commute to campus or regularly eat out at restaurants around town. With reasonable qualification standards, it’s also a great first credit card for students who need to build or improve their credit.
A first credit card for students who commute to campus or regularly eat out at restaurants around town. With reasonable qualification standards, it’s also a great first credit card for students who need to build or improve their credit.
An above-average option for the average college student
This card is designed specifically for students who don't have time to sign on to activate rewards every month. These students, however, spend money on food and gas, so having these categories offer bonus cash back if they use their Discover it® chrome for Students card is ideal.
Read full reviewThis card is designed specifically for students who don't have time to sign on to activate rewards every month. These students, however, spend money on food and gas, so having these categories offer bonus cash back if they use their Discover it® chrome for Students card is ideal.
Read full review
A good choice for young adults who spend a lot on gas and restaurant purchases
If your spending is mostly limited to gas and dining out, the Discover it® chrome for Students is a fine choice. It comes with enough bells and whistles to make it worthwhile, at least during its first cardmember year. If you’re looking for a card to purely maximize the rewards you earn from s...More
If your spending is mostly limited to gas and dining out, the Discover it® chrome for Students is a fine choice. It comes with enough bells and whistles to make it worthwhile, at least during its first cardmember year. If you’re looking for a card to purely maximize the rewards you earn from spending, however, we recommend looking at other options.
A good way to build your credit while earning cash back rewards
Between generous welcome offers, no minimum credit requirement, and cash back for all your purchases, the Discover it Chrome Card for College Students is a solid option for any student and even more so for students who spend money on gas and/or groceries.
Between generous welcome offers, no minimum credit requirement, and cash back for all your purchases, the Discover it Chrome Card for College Students is a solid option for any student and even more so for students who spend money on gas and/or groceries.
Simple rewards for responsible spending
For students who spend a lot in gas and restaurants, and can pay off their balance in full each month, the Discover it chrome for Students is an ideal card. By offering simple rewards and low fees, this can be the right card for responsible young adults.
For students who spend a lot in gas and restaurants, and can pay off their balance in full each month, the Discover it chrome for Students is an ideal card. By offering simple rewards and low fees, this can be the right card for responsible young adults.
An excellent way to start building your credit
The Discover It Chrome card is a straightforward rewards card that offers several nice perks. If you’re trying to build your credit, it may be worth a shot.
The Discover It Chrome card is a straightforward rewards card that offers several nice perks. If you’re trying to build your credit, it may be worth a shot.