Discover it® Chrome for Students review

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Advertiser Disclosure

Interest Rate: Purchases
14.49% ‐ 23.49% (Variable) (0% for the first 6 months)
Balance Transfer
14.49% ‐ 23.49% (Variable) (10.99% for the first 6 months)
Rewards
1 - 2% cashback
Signup Bonus
-


8.8/10
Informr score
The Discover it® Chrome for Students currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 17 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Discover it® Chrome for Students is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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 Cards

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.

- Compare Cards
CreditCards.com

The Discover it Student chrome card zooms to the top of the class because of its winning cash rewards program and user-friendly features.

- Robin Ratcliff, CreditCards.com
Cardcruncher

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.

- Cardcruncher
The Wirecutter

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.

- Sally French, The Wirecutter
Money Crashers

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.

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 14.49% ‐ 23.49% (Variable) (0% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.49% ‐ 23.49% (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 10%

Minimum of $5

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00
  • Maximum
  • No late fee on your first late payment
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
  • Get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
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
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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


Compare Cards

Offers a slew of fee-free services and an excellent rewards program

Compare Cards

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.

Read full review

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.

Read full review

Less

CreditCards.com

Generous cash rewards program

from CreditCards.com

The Discover it Student chrome card zooms to the top of the class because of its winning cash rewards program and user-friendly features.

Read full review

The Discover it Student chrome card zooms to the top of the class because of its winning cash rewards program and user-friendly features.

Read full review

Less

Cardcruncher

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 review

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 review

Less

The Wirecutter

Flexible alerts to help you establish good habits

from The Wirecutter

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.

Read full review

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.

Read full review

Less

Money Crashers

A great card for practical students

from Money Crashers

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.

Read full review

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.

Read full review

Less

CardRatings.com

An above-average option for the average college student

from CardRatings.com

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 review

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 review

Less

ValuePenguin

A good choice for young adults who spend a lot on gas and restaurant purchases

from ValuePenguin

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.

Read full review

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Credible

A good way to build your credit while earning cash back rewards

from Credible

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.

Read full review

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.

Read full review

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Wise Bread

Simple rewards for responsible spending

from Wise Bread

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.

Read full review

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.

Read full review

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Credit Fast

An excellent way to start building your credit

from Credit Fast

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.

Read full review

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.

Read full review

Less

User Reviews


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