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Updated Jul 18, 2026 · research
Discover it Student Chrome Card Art
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Discover it Student Chrome

Earn rewards on every purchase and build credit with responsible use

Entry LevelPersonal
Discover
Credit profile: no credit check
$0
Annual fee
2% back gas stations and restaurants
Top rate
N/A
Foreign fee
N/A
Rating

Current Welcome Offer

0 cashback

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Earning Rates

Gas stations and restaurants
2%cash back

Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically.

All other purchases
1%cash back

unlimited 1% cash back on all other purchases.

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 TypeAmount
Annual Fee$0

APR Information

Purchase APR
16.49% - 25.49%0% intro APR for 6 months

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

1 benefits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Good Grades Reward

Students receive a $20 statement credit for maintaining a 3.0 GPA or higher each school year, up to five years. Proof of GPA must be submitted annually to claim it.

Frequently Asked Questions

Is there an annual fee for the Discover it® Student Chrome?
There is no annual fee for this card. The $0 annual fee applies every year.
What are the cash back earning rates?
Cardholders earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. They earn 1% cash back on all other purchases with no limit.
How does the Cashback Match work?
At the end of the first year as a new cardmember, Discover matches all cash back earned dollar for dollar. There is no minimum spending or maximum cap, and the match is automatic.
What is the Good Grades Reward?
Students get a $20 statement credit each school year with a GPA of 3.0 or higher. This applies for up to five consecutive years, but proof of GPA must be submitted to Discover each year.
Are there foreign transaction fees?
There are no foreign transaction fees on purchases made outside the United States. Note that Discover card acceptance may be limited internationally.
What are the introductory APR offers?
New cardholders get 0% intro APR on purchases for six months. There is also a 10.99% intro APR on balance transfers for six months.
How can I access my FICO score?
Cardholders view their FICO® Credit Score for free on monthly statements and in the Discover app. The score is based on TransUnion data using FICO® Score 8.
What credit score is needed to apply?
The card targets fair credit scores. It is designed for students building credit.

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.

Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

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

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