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Discover it® Chrome for Students

Cory Santos

| Last updated on September 25th, 2023

Discover it® Chrome for Students

Discover it® Chrome for Students
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Fair / No Credit Required
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None Annual Fee

Discover it® Chrome for Students

  • 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from date of account opening date Intro Purchase APR

At a Glance

The Discover it Chrome for Students is a student credit card and cash back rewards card that allows college students to earn 2% cash back on gas and restaurants, plus 1% cash back on everything else. In addition to not having to worry about an annual fee, students who maintain a GPA of 3.0 or higher will receive a $20 statement credit each school year.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
  • Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
  • Discover matches all the cash back you've earned at the end of your first year, automatically
  • Cash back rewards do not expired and can be redeemed at any time
  • 0% intro APR on purchases for 6 months
  • No annual fee, no late fee on first late payment. No APR change for paying late
  • Intro Purchase APR: 0% for 6 months from date of account opening date
  • Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer
  • Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
  • Return Payment Penalty Fee: Up to $41
  • You're planning on commuting to college
  • You plan to eat out rather than in the cafeteria
  • You want a card that rewards a good school year, as your GPA can get you extra savings
  • You want to take advantage of Cashback Match – only from Discover
  • You don’t want to pay an annual fee
Discover it® Chrome for Students

Discover it® Chrome for Students

Terms & Conditions

Discover It® Chrome for Students Review

The Discover It Chrome for Students is an excellent option for the commuter student who wants to learn about credit responsibly, while still earning great rewards. The card earns 2% back on the first $1,000 spent each quarter on both gas station or restaurant purchases and earn unlimited 1% cash back on every other purchase.

Discover Cashback Match

Discover automatically matches the cash back earned for the first year of membership. That means if you use your Discover It Chrome Card and earn $500 in cash back, Discover will give you a dollar for dollar match, giving you an impressive $1,000 cash back on your purchases automatically. Cash back rewards with Discover are simple and straightforward.

One of the great things about Discover’s student credit card offerings is that they are essentially the same as their non-student counterparts but with additional student-centric perks. The Chrome for Students Card, for example, has the same 2% cash back at gas and restaurants as the normal Discover It Chrome Gas & Restaurants Card; the same 1% back on all other purchases; and the same Discover Cashback Match – just with the addition of a good grade rebate. That card is essentially the same as the Citi Rewards+® Card – another excellent gas rewards credit card.

Student Perks

The student-centric perks mentioned above include Discover’s Good Grade Reward. If you keep your GPA above 3.0, Discover will reward you each school year with a $20 statement credit. Since this bonus is good for up to five academic years, the total reward has a value of up to $100 – just for studying. Students also receive access to their FICO credit score each month free of charge.

Most student cards are light on perks. Discover, however, does things differently. Students not only receive cash back on every purchase that is matched at the end of the first year, a good grades bonus, and free FICO score access, but also 0% introductory APR for the first six months on purchases.

Other perks include no foreign transaction fees and no annual fee. 0% intro APR for six months means you can pay for your textbooks and have an entire semester to pay back the cost.

Should You Apply for the Discover It Chrome for Students Card?

If you are a student that doesn’t live on campus and commutes to class, the Discover It Student Chrome is an excellent option to consider. Most student cards don’t offer much beyond the opportunity to build credit. The Chrome for Students, on the other hand, allows you to build a solid credit history while earning cash back for your commute – how great is that?

Discover’s Cashback Match ensures that all the cash back you earn from purchases when filling up the tank, enjoying Taco Tuesday, or even making purchases at the school bookstore is doubled after the first year The addition of a $20 statement credit for good grades each year means the bonuses never have to stop, however, with up to $100 earnable for excelling in the classroom.

Building credit while in school is an important financial step, and the Discover It Chrome for Students is a great way to establish responsible credit practices and work your way up to other, more lucrative credit card offers in the future. The Chase Freedom® Student Credit Card is another great student credit card to consider, as it offers cash back, a good grades discount, and no annual fee.

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