Discover it® Student chrome review

Published: July 1, 2020

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Published: July 1, 2020

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Ratings Policy
Student Rating:
4.2 rating
4.2 rating
4.2 / 5
Introductory Offer 4.6
Interest and Fees 4.7
Rewards Program 1.9
Features 3.0
Customer Experience 5.0

In a Nutshell:

The Discover it Student chrome card zooms to the top of the class because of its winning cash rewards program and user-friendly features.

Learn more about this card

12.99% – 21.99% (variable) (See rates and fees)

Annual Fee
$0 (See rates and fees)

Penalty APR
None (See rates and fees)

Introductory Offer
0% intro APR on new purchases for first 6 months (12.99% – 21.99% variable thereafter) (See rates and fees)

Estimated Yearly Rewards Value ($300 monthly spend)

Rewards Program

  • $20 statement credit every year for good grades (5 year limit)
  • Matches all the cash you’ve earned for the first year
  • 2% cash back on gas and restaurants (on up to $1,000 in purchases per quarter, 1% thereafter)
  • 1% cash back on general purchases

Customer Experience

Other Notable Features: No late fee on first late payment, no overlimit fee, no foreign transaction fee, free FICO® credit score, Spend Analyzer tool, customizable text alerts, free social security number alerts

As the end of the semester arrives and all the A’s start accumulating on your report card, you’re probably anticipating a pat on the back from you parents and a check in the mail from your grandmother. Now, you can look forward to a little something extra: a $20 statement credit for good grades from your Discover card.

The Discover it Student chrome card ranks high on our list of student cards, largely because of its generous cash rewards program. We also like Discover’s consumer-friendly features and useful tools that help students stay on top of their balances.

Easy on the penalties

Sometimes new cardholders need a little practice at paying their bills, so we like a card that cuts you some slack. With a 0-percent intro APR on new purchases for the first six months (12.99 – 21.99 percent variable APR thereafter) and no penalty fee for the first missed payment, Discover it Student chrome card gives you a nice cushion. Also, there’s no penalty APR. Some cards will hit you with an APR of up to 30 percent for missing a payment, which can really hurt if you end up carrying a balance.

High cash rewards

Discover it Student chrome card includes one of the most valuable rewards programs for students. In addition to the $20 statement credit for good grades, it matches your cash rewards at the end of the first year. Also, you get 2 percent back on restaurant and gas stations each quarter (up to $1,000 of purchases), and 1 percent back on general purchases. The program is very flexible – you can redeem any amount at any time and there’s no expiration on your rewards. If you have an account, you can even use your rewards to shop there.

Useful financial management tools

We grade student cards heavily on their ability to promote responsible credit card use. We’re impressed by the features that Discover provides to make credit management easier. Discover’s Spend Analyzer tool enables you to track your finances and set up payment plans. Discover also offers free email and text alerts, which you can set to remind you when payments are due. You can combine these tools to create a budget, and then send reminders to yourself to stay on track.

Some useful perks

If you’re looking to travel abroad, you’ll enjoy the fact that the card has no foreign transaction fee. Many cards charge 3 percent, which can really add up after a few transactions.

Decent APR

The Discover it Student chrome card offers a decent APR for a student card. Cardholders may qualify for an APR of 12.99 – 21.99 percent (variable), which is comparable to the rates that you would receive with a regular rewards card. Unfortunately, unlike other cards in the student category, there’s no zero-percent balance-transfer offer. If you’re looking to transfer a balance from another card, you may be better served by other offers.

Overall, we think that this is a great card for students, due to its valuable cash rewards program and its features that promote responsible financial management. The Discover it Student chrome card could be a handy tool for new cardholders trying to establish a strong credit history.

Why get the Discover it Student chrome card ?

  • You’re a college student looking to build up your credit history.
  • You want to earn high cash rewards on all spending.
  • You want a card that’s a little more forgiving if you miss a payment deadline.
  • You’re looking for high-quality customer service.

How to use the Discover it Student chrome card:

  • Stay on top of your payment deadlines – you’re only forgiven for the first missed payment. After that, you’ll owe a hefty penalty fee.
  • Take advantage of the Spend Analyzer tool and text alerts to pay your card on time and keep your balance in check.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

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