Discover it Student Chrome Review
Discover · College students building credit
4.3 / 5 (3 reviews)
Annual Fee
No annual fee
Rewards
2% dining & gas (up to $1,000/quarter), 1% everything else + Cashback Match
Regular APR
16.49% – 25.49%
Credit Needed
Fair (580-669)
Our Expert Verdict
7/10
Editor's Score
A student-friendly card with Cashback Match and good grades rewards.
Pros
- Cashback Match doubles year 1 rewards
- Good Grades Reward ($20)
- No annual fee
- Accepts limited credit history
Cons
- Lower rewards rate
- Discover less widely accepted
- Low intro APR period (6 months)
Sign-Up Bonus
Cashback Match first year + $50 after first purchase in 3 months
Key Benefits & Perks
No annual fee
No foreign transaction fees
Cashback Match first year
$20 Good Grades Reward
Free FICO score
Rewards Breakdown
| Category | Rate |
|---|---|
| Gas Stations | 2% |
| Dining | 2% |
| Everything else | 1% |
User Reviews
Customer Reviews
4.3
3 reviews
5
1
4
2
3
0
2
0
1
0
EC
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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