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DISCOVER

Discover it® Student Chrome

Name: Discover it® Student Chrome
Brand: Discover
Availability: InStock

Annual Fee

Top Rate

At a Glance

Annual Fee

Foreign Transaction Fee

Network

—

Rewards Currency

Cash

Credit Required

Fair to Good

Earning Rates

2XGas Stations

2XDining

Benefits & Perks

Annual Credits

—FICO score monitoring

Insurance & Protections

Free monthly FICO credit score

Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.

$0 fraud liability on unauthorized purchases

Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.

Instant account freeze and unfreeze

Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.

Details & Terms

Payment Terms

Purchase APR	18.24%–27.24% (Variable)
Cash Advance APR	18.24%–27.24% (Variable)
Foreign Transaction Fee	$0

Card Family

Discover family

Card	Tier	Annual Fee	Note
Discover It Cashback	entry	$0	Non-student version with rotating categories
Discover It Student Cashback	entry	$0	Student version with rotating categories
Discover It Chrome	entry	$0

Reviews & Analysis

Pros and Cons

Pros

+No annual fee for students
+2% cash back at gas stations and restaurants (up to $1,000/quarter)
+First-year cash back match doubles all rewards
+No foreign transaction fees
+$20 annual good grades bonus for 3.0+ GPA
+Free FICO score tracking
+No co-signer required

Cons

-$1,000 quarterly cap on 2% categories
-Lower earning rate than rotating 5% category cards
-Discover network less accepted than Visa/Mastercard
-No welcome bonus beyond cash back match
-

Media & Resources

Card Design

Discover it® Student Chrome card art from issuer website

Discover it® Student Chrome card art variant 2

Discover it® Student Chrome card art variant 3

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Best Credit Cards for Gas Best Dining Credit Cards Browse all card categories →Browse all card benefits →Browse all credit cards →

DISCOVER

Discover it® Student Chrome

Annual Fee

Top Rate

At a Glance

Annual Fee

Foreign Transaction Fee

Network

—

Rewards Currency

Cash

Credit Required

Fair to Good

Earning Rates

2XGas Stations

2XDining

Benefits & Perks

Annual Credits

—FICO score monitoring

Insurance & Protections

Free monthly FICO credit score

Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.

$0 fraud liability on unauthorized purchases

Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.

Instant account freeze and unfreeze

Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.

Details & Terms

Payment Terms

Purchase APR	18.24%–27.24% (Variable)
Cash Advance APR	18.24%–27.24% (Variable)
Foreign Transaction Fee	$0

Card Family

Discover family

Card	Tier	Annual Fee	Note
Discover It Cashback	entry	$0	Non-student version with rotating categories
Discover It Student Cashback	entry	$0	Student version with rotating categories
Discover It Chrome	entry	$0

Reviews & Analysis

Pros and Cons

Pros

+No annual fee for students
+2% cash back at gas stations and restaurants (up to $1,000/quarter)
+First-year cash back match doubles all rewards
+No foreign transaction fees
+$20 annual good grades bonus for 3.0+ GPA
+Free FICO score tracking
+No co-signer required

Cons

-$1,000 quarterly cap on 2% categories
-Lower earning rate than rotating 5% category cards
-Discover network less accepted than Visa/Mastercard
-No welcome bonus beyond cash back match
-

Media & Resources

Card Design

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Best Credit Cards for Gas Best Dining Credit Cards Browse all card categories →Browse all card benefits →Browse all credit cards →

DISCOVER

Discover it® Student Chrome

Annual Fee

Top Rate

At a Glance

Annual Fee

Foreign Transaction Fee

Network

—

Rewards Currency

Cash

Credit Required

Fair to Good

Earning Rates

2XGas Stations

2XDining

Benefits & Perks

Annual Credits

—FICO score monitoring

Insurance & Protections

Free monthly FICO credit score

Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.

$0 fraud liability on unauthorized purchases

Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.

Instant account freeze and unfreeze

Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.

Details & Terms

Payment Terms

Purchase APR	18.24%–27.24% (Variable)
Cash Advance APR	18.24%–27.24% (Variable)
Foreign Transaction Fee	$0

Card Family

Discover family

Card	Tier	Annual Fee	Note
Discover It Cashback	entry	$0	Non-student version with rotating categories
Discover It Student Cashback	entry	$0	Student version with rotating categories
Discover It Chrome	entry	$0

Reviews & Analysis

Pros and Cons

Pros

+No annual fee for students
+2% cash back at gas stations and restaurants (up to $1,000/quarter)
+First-year cash back match doubles all rewards
+No foreign transaction fees
+$20 annual good grades bonus for 3.0+ GPA
+Free FICO score tracking
+No co-signer required

Cons

-$1,000 quarterly cap on 2% categories
-Lower earning rate than rotating 5% category cards
-Discover network less accepted than Visa/Mastercard
-No welcome bonus beyond cash back match
-

Media & Resources

Card Design

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Best Credit Cards for Gas Best Dining Credit Cards Browse all card categories →Browse all card benefits →Browse all credit cards →

Product changes available between family members without a new credit inquiry.

Limited to students only

Who It's Best For

Best For

✓Students who frequently fill up at gas stations
✓College students who spend on dining and restaurants
✓First-time credit card users building credit history
✓Students who maintain good grades for bonus rewards

Not Ideal For

✗Students with high spending over $1,000/quarter on gas and restaurants
✗Those seeking travel rewards or points
✗Students who prefer rotating 5% categories instead
✗International students due to limited Discover acceptance abroad

Product changes available between family members without a new credit inquiry.

Limited to students only

Who It's Best For

Best For

✓Students who frequently fill up at gas stations
✓College students who spend on dining and restaurants
✓First-time credit card users building credit history
✓Students who maintain good grades for bonus rewards

Not Ideal For

✗Students with high spending over $1,000/quarter on gas and restaurants
✗Those seeking travel rewards or points
✗Students who prefer rotating 5% categories instead
✗International students due to limited Discover acceptance abroad

Product changes available between family members without a new credit inquiry.

Limited to students only

Who It's Best For

Best For

✓Students who frequently fill up at gas stations
✓College students who spend on dining and restaurants
✓First-time credit card users building credit history
✓Students who maintain good grades for bonus rewards

Not Ideal For

✗Students with high spending over $1,000/quarter on gas and restaurants
✗Those seeking travel rewards or points
✗Students who prefer rotating 5% categories instead
✗International students due to limited Discover acceptance abroad