Discover it® Student Chrome
A student cash back credit card that earns 2% at restaurants and gas stations, with Cashback Match at the end of your first year. No annual fee.
Annual Fee
$0
Top Earning Rate
2% back gas stations
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
0 cashback
Card Offers
public
0 cashback
Earning Rates
Up to $1,000 in combined restaurant and gas station purchases each quarter, then 1%
Up to $1,000 in combined restaurant and gas station purchases each quarter, then 1%
Pros & Cons
Pros
- No annual fee
- Cashback Match at end of first year with no cap
- Good Grades $20 statement credit for GPA 3.0+ up to five years
- 2% cash back on gas stations and restaurants up to $1,000 quarterly
- Free monthly FICO score access
Cons
- 2% cash back capped at $1,000 combined quarterly for gas and restaurants
- 1% cash back on all other purchases
- Short six-month intro APR periods
- No sign-up bonus
- Discover network has limited international acceptance
Key Takeaways
- Earn 2% cash back at gas stations and restaurants up to $1,000 combined per quarter
- Discover matches all first-year cash back automatically
- No annual fee or foreign transaction fees
- $20 statement credit for GPA 3.0+ each school year up to five years
- Free FICO score on statements and app
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 18.24% - 27.24%0% intro APR for 6 months
- Balance Transfer APR
- 18.24% - 27.24%10.99% intro APR for 6 months
- Cash Advance APR
- 29.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
6 benefits (1 strong or better) including 1 hidden gems
Travel Credits
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
Is there an annual fee for the Discover it® Student Chrome?
What are the cash back earning rates?
How does the Cashback Match work?
What is the Good Grades Reward?
Are there foreign transaction fees?
What are the introductory APR offers?
How can I access my FICO score?
What credit score is needed to apply?
About This Card
This card suits college students with fair credit who spend on gas and restaurants and want to build credit. It fits good students eligible for the GPA-based reward.
The Discover it® Student Chrome is designed for college students looking to build credit and earn rewards. It earns 2% cash back at restaurants and gas stations (up to $1,000 in combined purchases each quarter, then 1%), and 1% on all other purchases. At the end of your first year, Discover automatically matches all the cash back you've earned — the Cashback Match offer. There is no annual fee and no foreign transaction fee, making it a solid starter card for students.
It stands out with an automatic first-year cash back match with no cap and a student-specific Good Grades statement credit not found on most entry-level cards.
Ready to Decide?
Apply for the Discover it® Student Chrome
0 cashback with no annual fee.
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 6 of 6 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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