Discover it Student Chrome
No fee
Discover
Discover it Student Chrome
4.3
(876 reviews)studentcashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026A student-friendly card with Cashback Match and good grades rewards.
Annual Fee
No annual fee
Purchase APR
16.49% – 25.49%
Rewards
1% base rate
Sign-Up Bonus
$100 value
Credit Score
Fair (580-669)
Foreign Txn Fee
None
Who Should Get This Card
The Discover it Student Chrome is best suited for those building credit who college students building credit. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- Cashback Match doubles year 1 rewards
- Good Grades Reward ($20)
- No annual fee
- College students building credit
Consider another card if you…
- Lower rewards rate
- Discover less widely accepted
- Low intro APR period (6 months)
Rewards Breakdown
2% dining & gas (up to $1,000/quarter), 1% everything else + Cashback Match
| Category | Rate |
|---|---|
| Gas Stations(A student card that earns real rewards: 2% cash back at gas stations and restaurants up to 1,000 dollars per quarter combined and 1% everywhere else. Discover matches all cash back earned in your first year — effectively doubling rewards. Free FICO score monitoring, no annual fee, and no foreign transaction fees make it a top first-card pick.) | 2% |
| Dining(A student card that earns real rewards: 2% cash back at gas stations and restaurants up to 1,000 dollars per quarter combined and 1% everywhere else. Discover matches all cash back earned in your first year — effectively doubling rewards. Free FICO score monitoring, no annual fee, and no foreign transaction fees make it a top first-card pick.) | 2% |
| Everything else | 1% |
Rewards Distribution
2%
top rate
Gas Stations2%40%
Dining2%40%
Everything else1%20%
Sign-Up Bonus
Cashback Match first year + $50 after first purchase in 3 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 16.49% – 25.49% |
| Intro APR (Purchases) | 0% for 6 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $41 |
Pros & Cons
Cashback Match doubles year 1 rewards
Good Grades Reward ($20)
No annual fee
Accepts limited credit history
Lower rewards rate
Discover less widely accepted
Low intro APR period (6 months)
The Bottom Line
The Good: The Discover it Student Chrome stands out for its cashback match doubles year 1 rewards. The welcome bonus worth $100 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Lower rewards rate.
Our Verdict: The Discover it Student Chrome scores 7/10 — a solid option for college students building credit. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Discover it Student Chrome?▾
The Discover it Student Chrome has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Discover it Student Chrome?▾
The Discover it Student Chrome currently offers a sign-up bonus worth approximately $100. Cashback Match first year + $50 after first purchase in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Discover it Student Chrome?▾
The Discover it Student Chrome earns 1% on all purchases, and up to 2% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Discover it Student Chrome?▾
The Discover it Student Chrome is recommended for applicants with fair (580-669) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Discover it Student Chrome charge a foreign transaction fee?▾
No — the Discover it Student Chrome has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Discover it Student Chrome?▾
The Discover it Student Chrome has a variable purchase APR of 16.49% – 25.49%, with a 0% intro APR for the first 6 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Discover it Student Chrome best for?▾
The Discover it Student Chrome is best for College students building credit. A key advantage: cashback match doubles year 1 rewards.
Customer Reviews
4.3
876 reviews
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Emma C.Verified CardholderNov 28, 2026
Perfect first credit card
Discover approved me as a freshman with no credit history. The Good Grades Reward is a nice bonus — $20 for maintaining a 3.0 GPA each year.
NY
Nathan Y.Verified CardholderSep 20, 2026
Good for students on a budget
2% on gas and dining covers my main expenses. The Cashback Match doubled my rewards first year which was awesome.
SL
Sophia L.Verified CardholderAug 12, 2026
Solid starter with room to grow
Using this while in school, plan to upgrade to the Discover it Cash Back after graduation. Great customer service too.
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