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Discover it® Student chrome Review: A Beginner Card That Packs on the Perks

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The Discover it® Student chrome card earns bonus cash back rewards on gas and restaurants spending and gives cardholders a potentially rich bonus. It also has perks and bonuses aimed directly at its target audience of students. Find out if this student credit card is right for you in this Discover it® chrome review.

  • Earns a potentially big sign-up bonus and you can secure rich rewards for gas and restaurants. The inclusion of no annual fee makes this a hard-to-ignore student credit card.

    • Great sign-up bonus offer
    • Gas and restaurant rewards
    • No annual fee
    • Credit score monitoring
    • Lackluster bonus category cash back rate
    • No credit score required to apply.
    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
    • No annual fee and build your credit with responsible use.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74% applies.
    • Click "Apply Now" to see terms and conditions.
Discover it® Student chrome
Apply Now for Discover it® Student chrome

On Discover's Secure Website.

Full Discover it® Student chrome review

This credit card is a good fit for: Students who do a lot of driving or dining out, as they can make the most of bonus cash back on gas and restaurant spending.

Top perks

Unlimited Cashback Match sign-up bonus

A huge selling point for the Discover it® Student chrome is that Discover will automatically match all the cash back you’ve earned at the end of your first year. This sign-up bonus is only available during the first year and for new cardholders, but it can be particularly lucrative since the match is unlimited.

Cash back at restaurants and gas stations

Cardholders earn 2% back for up to $1,000 in combined spending on those two categories every quarter. Other purchases earn 1% cash back.

No annual fee

The Discover it® Student chrome has no annual fee and this is very helpful for those on a student-sized budget.

0% intro APR on purchases

The Discover it® Student chrome offers a 0% intro APR on purchases for six months. That might not be long compared to the longest 0% intro APR cards, but it's a long period for student credit cards. The go-to variable rate applies after the 0% intro APR expires.

FICO® Score for free

It's critical for early-stage credit cardholders to learn about credit scores. Helpfully, Discover provides your FICO® Score and the factors affecting it as a free add on. You can access it via your online account management page, through the Discover app, or in every account statement.

No foreign transaction fee

The Discover it® Student chrome has no foreign transaction fee.

Alternatives to consider

  • If you want to earn more cash back: The Discover it® Student Cash Back has very similar benefits to the Discover it® Student chrome, except it earns an impressive 5% back in rotating quarterly bonus categories you activate, up to a spending cap of $1,500 per quarter. The typical student may earn more cash back with those bonus categories.
  • If you're an international student: The Deserve Edu Mastercard for Students doesn't require a Social Security number, making it one of the few cards international students can get. This card is no slouch when it comes to benefits, either, offering 1% cash back.

Read more: Best Credit Cards for Students

As of Jun. 21, 2022
Image for
Image for
Discover it® Student Cash Back

Deserve Edu Mastercard for Students

Rates & Fees

Credit Rating Requirement:

Fair/New to Credit Under(669) Info Icon Circle with letter I in it.

Credit Rating Requirement:

New/Rebuilding Under(579) Info Icon Circle with letter I in it.

Welcome Offer: Info Icon Circle with letter I in it.

Cashback Match

Welcome Offer:

N/A

Rewards Program: Info Icon Circle with letter I in it.

1% - 5% Cashback

Rewards Program:

1% cash back

Intro APR:

Purchases: 0% Intro APR, 6 months

Balance Transfers: 10.99% Intro APR, 6 months

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Regular APR:

13.74% - 22.74% Variable APR

Regular APR:

18.74%, variable

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • No credit score required to apply.
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74% applies.
  • Click "Apply Now" to see terms and conditions.

Highlights:

  • Earn 1% cash back on all purchases
  • Sign up for an Amazon Prime Student subscription and get reimbursed up to a life-time total of $59
  • Up to $5,000 credit limit
  • No credit history required
  • No social security number required for international students
  • No deposit or cosigner required
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What could be improved

Bonus cash back

It's a minor complaint, especially since student credit cards are typically light on rewards, but the bonus cash back on the Discover it® Student chrome could be better. And although gas stations and restaurants are a solid bonus category for students, restaurants are an area where students on a budget may not spend much.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

Given that it's designed to be your first credit card, the Discover it® Student chrome doesn't have a minimum credit score requirement. You can get approved for it even if you don't have a credit history yet.

This credit card is right for you if:

The Discover it® Student chrome is one of the best credit cards for students who need a secure payment method that they can use to build credit. It has all the perks you would need, it doesn't have any unnecessary fees, and it even earns cash back rewards on purchases.

Not only is this a fine starting-out card for students, it's also a good choice for others with a limited credit history or with a credit score that lands in the fair category.

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