Discover it® Student Chrome
The Discover it® Student Chrome earns 2% at gas stations and restaurants on up to a quarterly cap and 1% elsewhere, with a first-year Cashback Match and no annual fee. Its regular APR is 16.49%–25.49% variable. Rates and terms come from our verified data partner with direct issuer relationships.
Is the Discover it® Student Chrome worth it?
The Discover it® Student Chrome earns 2% at gas stations and restaurants on up to a quarterly cap and 1% elsewhere, with a first-year Cashback Match and no annual fee. Its regular APR is 16.49%–25.49% variable. We source these terms from our verified data partner; they carry our ◆ Partner data label.
For students building credit, the appeal is simple: rewards on everyday gas and dining, no annual fee, and Discover’s first-year Cashback Match, which doubles everything you earn in year one.
The honest caveat: the bonus rewards are capped each quarter, and the regular APR is high, so pay the balance in full to avoid interest. Terms are partner-supplied and can change — confirm on the issuer’s site. This is not financial advice.
How does a rewards credit card work?
A rewards credit card earns a percentage back on what you spend, which the issuer credits as cash back, points, or miles. You pay no interest if you clear the statement balance each month; carry a balance and the variable APR applies. The card reports your payment history to the credit bureaus.
What are the pros and cons of the Discover it® Student Chrome?
The Discover it® Student Chrome stands out for earns 2% at gas stations and restaurants (up to a quarterly cap) and 1% elsewhere, though rates and terms are partner-supplied — not fetched from the issuer ourselves.
- Earns 2% at gas stations and restaurants (up to a quarterly cap) and 1% elsewhere
- First-year Cashback Match doubles all rewards
- No annual fee
- Rates and terms are partner-supplied — not fetched from the issuer ourselves
- Regular APR is 16.49%–25.49% variable
- Bonus rewards are capped each quarter
Who should get the Discover it® Student Chrome?
The Discover it® Student Chrome is best for students who spend on gas and dining.
- Students who spend on gas and dining
- First-time cardholders building credit
- Anyone who wants simple rewards with no annual fee
How does the Discover it® Student Chrome compare?
Among the 6 student credit cards we track, the Discover it® Student Chrome ranks #4 with a money8020 score of 85/100.
| Product | Score | Tier | Provider |
|---|---|---|---|
| Discover it® Student Cash Back | 96 | Essential | Discover |
| Capital One Savor Student Cash Rewards | 94 | Essential | Capital One |
| Capital One Quicksilver Student Cash Rewards | 85 | Strong | Capital One |
| Discover it® Student Chrome | 85 | Strong | Discover |
| Bank of America® Travel Rewards for Students | 82 | Strong | Bank of America |
See all student credit cards, ranked →
Common mistakes to avoid with a rewards credit card
- Carrying a balance — interest at the regular APR quickly erases any rewards.
- Chasing a sign-up bonus with spending you cannot pay off in full.
- Missing the intro-APR deadline and getting hit with the full variable rate.
- Overlooking an annual fee that outweighs the rewards for your spending.
Key takeaways
- Discover it® Student Chrome earns a money8020 score of 85/100, ranking #4 of 6 student credit cards.
- Earns 2% at gas stations and restaurants (up to a quarterly cap) and 1% elsewhere
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- Best for students who spend on gas and dining.
- Rate and terms sourced from our verified data partner.
Frequently asked questions about the Discover it® Student Chrome
Does the Discover it® Student Chrome have an annual fee?
Per our data partner, the card has no annual fee. Its regular APR is 16.49%–25.49% variable. This is not financial advice.
How does the Discover Cashback Match work?
Per our data partner, Discover automatically matches all the cash back you earn at the end of your first year, with no minimum spending or maximum rewards. Confirm current terms on the issuer's site. This is not financial advice.
Will applying for the Discover it® Student Chrome hurt my credit score?
Applying triggers a hard inquiry, which can dip your score a few points temporarily. Used responsibly — paying on time and keeping balances low — the card builds your credit over time.
Do the rewards on the Discover it® Student Chrome expire?
On most cards, rewards do not expire while the account is open and in good standing, though terms vary. Redeem regularly and check the issuer's rewards policy.
Sources
We sourced these figures from our verified data partner and independently confirmed the provider’s regulator status, last checked May 30, 2026. Primary sources: